SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
26.84 EUR
-0.06 (-0.22%)
We assign a fundamental rating of 4 out of 10 to SCR. SCR was compared to 48 industry peers in the Insurance industry. There are concerns on the financial health of SCR while its profitability can be described as average. SCR is valued quite cheap, while showing a decent growth score. This is a good combination! 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's Return On Assets of 2.71% is fine compared to the rest of the industry. SCR outperforms 75.00% of its industry peers.
- The Return On Equity of SCR (22.10%) is better than 83.33% of its industry peers.
- The Return On Invested Capital of SCR (3.32%) is better than 79.17% 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 83.33% of its industry peers.
- In the last couple of years the Profit Margin of SCR has declined.
- The Operating Margin of SCR (6.88%) is worse than 75.00% of its industry peers.
- In the last couple of years the Operating Margin of SCR has declined.
| 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
- SCR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, SCR has about the same amount of shares outstanding.
- SCR has less shares outstanding than it did 5 years ago.
- SCR has a worse debt/assets ratio than last year.
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.
- With a Debt to FCF ratio value of 3.01, SCR perfoms like the industry average, outperforming 47.92% of the companies in the same industry.
- A Debt/Equity ratio of 0.80 indicates that SCR is somewhat dependend on debt financing.
- SCR's Debt to Equity ratio of 0.80 is on the low side compared to the rest of the industry. SCR is outperformed by 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACC0.58
WACC5.76%
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.
- The earnings per share for SCR have been decreasing by -57.79% on average. This is quite bad
- 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.
- Based on estimates for the next years, SCR will show a decrease in Revenue. The Revenue will decrease by -0.66% on average per year.
EPS Next Y15126.15%
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- A Price/Earnings ratio of 5.48 indicates a rather cheap valuation of SCR.
- SCR's Price/Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 100.00% of the companies in the same industry.
- SCR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
- The Price/Forward Earnings ratio is 6.29, which indicates a rather cheap valuation of SCR.
- SCR's Price/Forward Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 100.00% of the companies in the same industry.
- SCR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.48 | ||
| Fwd PE | 6.29 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SCR is valued cheaply inside the industry as 93.75% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, SCR is valued a bit cheaper than the industry average as 79.17% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.16 | ||
| EV/EBITDA | 3.45 |
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 434.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.69%, SCR is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.17, SCR pays a better dividend. On top of this SCR pays more dividend than 91.67% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.81, SCR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.69% |
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
- 33.61% of the earnings are spent on dividend by SCR. This is a low number and sustainable payout ratio.
- SCR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.61%
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
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 15126.15% in the next year.