SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
28.11 EUR
-0.17 (-0.6%)
Taking everything into account, SCR scores 4 out of 10 in our fundamental rating. SCR was compared to 46 industry peers in the Insurance industry. While SCR is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on SCR. Finally SCR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- SCR had positive earnings in the past year.
- SCR had a positive operating cash flow in the past year.
- Of the past 5 years SCR 4 years were profitable.
- SCR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- SCR has a better Return On Assets (2.71%) than 71.74% of its industry peers.
- SCR has a Return On Equity of 22.10%. This is amongst the best in the industry. SCR outperforms 82.61% of its industry peers.
- SCR has a Return On Invested Capital of 3.32%. This is in the better half of the industry: SCR outperforms 78.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.71% | ||
| ROE | 22.1% | ||
| ROIC | 3.32% |
ROA(3y)-0.63%
ROA(5y)-0.1%
ROE(3y)-4.88%
ROE(5y)-0.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of SCR (4.15%) is worse than 82.61% of its industry peers.
- In the last couple of years the Profit Margin of SCR has declined.
- SCR has a worse Operating Margin (6.88%) than 73.91% of its industry peers.
- SCR's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.88% | ||
| PM (TTM) | 4.15% | ||
| GM | N/A |
OM growth 3Y-19.97%
OM growth 5Y-12.19%
PM growth 3Y-78.6%
PM growth 5Y-60.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SCR is destroying value.
- SCR has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, SCR has less shares outstanding
- Compared to 1 year ago, SCR has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of SCR is 3.01, which is a good value as it means it would take SCR, 3.01 years of fcf income to pay off all of its debts.
- SCR has a Debt to FCF ratio (3.01) which is comparable to the rest of the industry.
- SCR has a Debt/Equity ratio of 0.80. This is a neutral value indicating SCR is somewhat dependend on debt financing.
- SCR has a Debt to Equity ratio of 0.80. This is in the lower half of the industry: SCR underperforms 67.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACC0.57
WACC5.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SCR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1461.11%, which is quite impressive.
- Measured over the past years, SCR shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -57.79% on average per year.
- The Revenue has decreased by -4.19% in the past year.
- The Revenue has been decreasing by -0.88% on average over the past years.
EPS 1Y (TTM)1461.11%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%287.69%
Revenue 1Y (TTM)-4.19%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
3.2 Future
- Based on estimates for the next years, SCR will show a very strong growth in Earnings Per Share. The EPS will grow by 170.33% on average per year.
- SCR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.66% yearly.
EPS Next Y15045.52%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPS Next 5Y170.33%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.66%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 5.74, the valuation of SCR can be described as very cheap.
- Based on the Price/Earnings ratio, SCR is valued cheaper than 100.00% of the companies in the same industry.
- SCR is valuated cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 6.55, the valuation of SCR can be described as very cheap.
- Based on the Price/Forward Earnings ratio, SCR is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of SCR to the average of the S&P500 Index (24.12), we can say SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.74 | ||
| Fwd PE | 6.55 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SCR is valued cheaply inside the industry as 93.48% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, SCR is valued cheaper than 80.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.36 | ||
| EV/EBITDA | 3.59 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- SCR's earnings are expected to grow with 434.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
5. Dividend
5.1 Amount
- SCR has a Yearly Dividend Yield of 6.37%, which is a nice return.
- SCR's Dividend Yield is rather good when compared to the industry average which is at 3.93. SCR pays more dividend than 91.30% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.91, SCR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
5.2 History
- The dividend of SCR has a limited annual growth rate of 0.57%.
Dividend Growth(5Y)0.57%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- SCR pays out 33.61% of its income as dividend. This is a sustainable payout ratio.
- The dividend of SCR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.61%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPA:SCR (1/15/2026, 4:10:50 PM)
28.11
-0.17 (-0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)03-02 2026-03-02/amc
Inst Owners50.12%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.04B
Revenue(TTM)23.08B
Net Income(TTM)958.00M
Analysts76.67
Price Target32.02 (13.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
Yearly Dividend1.81
Dividend Growth(5Y)0.57%
DP33.61%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.16%
Min EPS beat(2)7.05%
Max EPS beat(2)9.26%
EPS beat(4)4
Avg EPS beat(4)14.82%
Min EPS beat(4)7.05%
Max EPS beat(4)34.36%
EPS beat(8)4
Avg EPS beat(8)-52.13%
EPS beat(12)7
Avg EPS beat(12)-21.47%
EPS beat(16)8
Avg EPS beat(16)-98.74%
Revenue beat(2)2
Avg Revenue beat(2)6.52%
Min Revenue beat(2)5.61%
Max Revenue beat(2)7.42%
Revenue beat(4)4
Avg Revenue beat(4)8.1%
Min Revenue beat(4)5.61%
Max Revenue beat(4)11.75%
Revenue beat(8)8
Avg Revenue beat(8)6.18%
Revenue beat(12)12
Avg Revenue beat(12)15.5%
Revenue beat(16)16
Avg Revenue beat(16)26.93%
PT rev (1m)0%
PT rev (3m)1.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.42%
EPS NY rev (1m)0.63%
EPS NY rev (3m)4.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.62%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.74 | ||
| Fwd PE | 6.55 | ||
| P/S | 0.22 | ||
| P/FCF | 4.36 | ||
| P/OCF | 4.19 | ||
| P/B | 1.16 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | 3.59 |
EPS(TTM)4.9
EY17.43%
EPS(NY)4.29
Fwd EY15.26%
FCF(TTM)6.45
FCFY22.95%
OCF(TTM)6.7
OCFY23.84%
SpS128.66
BVpS24.17
TBVpS19.24
PEG (NY)0
PEG (5Y)N/A
Graham Number51.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.71% | ||
| ROE | 22.1% | ||
| ROCE | 4.51% | ||
| ROIC | 3.32% | ||
| ROICexc | 3.52% | ||
| ROICexgc | 4.36% | ||
| OM | 6.88% | ||
| PM (TTM) | 4.15% | ||
| GM | N/A | ||
| FCFM | 5.01% |
ROA(3y)-0.63%
ROA(5y)-0.1%
ROE(3y)-4.88%
ROE(5y)-0.74%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-11.91%
ROICexgc growth 5Y-6.82%
ROICexc growth 3Y-13.22%
ROICexc growth 5Y-8.16%
OM growth 3Y-19.97%
OM growth 5Y-12.19%
PM growth 3Y-78.6%
PM growth 5Y-60.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Debt/EBITDA | 1.92 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 14.69 | ||
| Cash Conversion | 66.41% | ||
| Profit Quality | 120.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC5.84%
ROIC/WACC0.57
Cap/Depr(3y)19.46%
Cap/Depr(5y)36.14%
Cap/Sales(3y)0.27%
Cap/Sales(5y)0.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1461.11%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%287.69%
EPS Next Y15045.52%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPS Next 5Y170.33%
Revenue 1Y (TTM)-4.19%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.66%
EBIT growth 1Y48.87%
EBIT growth 3Y-22.86%
EBIT growth 5Y-12.97%
EBIT Next Year278.01%
EBIT Next 3Y62.25%
EBIT Next 5YN/A
FCF growth 1Y-10.38%
FCF growth 3Y-27.74%
FCF growth 5Y4.24%
OCF growth 1Y-10.16%
OCF growth 3Y-27.87%
OCF growth 5Y1.43%
SCOR SE / SCR.PA FAQ
What is the ChartMill fundamental rating of SCOR SE (SCR.PA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SCR.PA.
What is the valuation status for SCR stock?
ChartMill assigns a valuation rating of 9 / 10 to SCOR SE (SCR.PA). This can be considered as Undervalued.
What is the profitability of SCR stock?
SCOR SE (SCR.PA) has a profitability rating of 4 / 10.
How financially healthy is SCOR SE?
The financial health rating of SCOR SE (SCR.PA) is 2 / 10.
What is the expected EPS growth for SCOR SE (SCR.PA) stock?
The Earnings per Share (EPS) of SCOR SE (SCR.PA) is expected to grow by 15045.52% in the next year.