SCOR SE (SCR.PA)
FR0010411983 - Common Stock
We assign a fundamental rating of 2 out of 10 to SCR. SCR was compared to 29 industry peers in the Insurance industry. Both the profitability and financial health of SCR have multiple concerns. SCR does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year SCR has reported negative net income.
SCR had positive earnings in 4 of the past 5 years.
SCR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SCR's Return On Assets of 0.78% is on the low side compared to the rest of the industry. SCR is outperformed by 62.96% of its industry peers.
SCR has a worse Return On Equity (6.19%) than 74.07% of its industry peers.
The Return On Invested Capital of SCR (2.11%) is better than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 6.19% | ||
| ROIC | 2.11% |
ROA(3y)-0.34%
ROA(5y)0.08%
ROE(3y)-2.53%
ROE(5y)0.57%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SCR has a worse Profit Margin (1.15%) than 81.48% of its industry peers.
SCR's Profit Margin has improved in the last couple of years.
SCR has a Operating Margin of 4.79%. This is amonst the worse of the industry: SCR underperforms 81.48% of its industry peers.
SCR's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.79% | ||
| PM (TTM) | 1.15% | ||
| GM | N/A |
OM growth 3Y44.14%
OM growth 5Y17.49%
PM growth 3Y54.79%
PM growth 5Y19.9%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SCR is destroying value.
Compared to 1 year ago, SCR has about the same amount of shares outstanding.
Compared to 5 years ago, SCR has less shares outstanding
The debt/assets ratio for SCR has been reduced compared to a year ago.
2.2 Solvency
SCR has a Debt/Equity ratio of 0.72. This is a neutral value indicating SCR is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.72, SCR is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.4
WACC5.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SCR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -107.09%.
SCR shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.85% yearly.
SCR shows a decrease in Revenue. In the last year, the revenue decreased by -2.62%.
Measured over the past years, SCR shows a small growth in Revenue. The Revenue has been growing by 0.35% on average per year.
EPS 1Y (TTM)-107.09%
EPS 3Y56.5%
EPS 5Y9.85%
EPS Q2Q%-179.27%
Revenue 1Y (TTM)-2.62%
Revenue growth 3Y-2.19%
Revenue growth 5Y0.35%
Sales Q2Q%2.36%
3.2 Future
Based on estimates for the next years, SCR will show a decrease in Earnings Per Share. The EPS will decrease by -1.09% on average per year.
SCR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.92% yearly.
EPS Next Y-81.31%
EPS Next 2Y-6.95%
EPS Next 3Y-2.83%
EPS Next 5Y-1.09%
Revenue Next Year0.82%
Revenue Next 2Y2.31%
Revenue Next 3Y3.93%
Revenue Next 5Y-0.92%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for SCR. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 5.78, the valuation of SCR can be described as very cheap.
92.59% of the companies in the same industry are more expensive than SCR, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of SCR to the average of the S&P500 Index (23.45), we can say SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.78 |
4.2 Price Multiples
SCR's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SCR is cheaper than 92.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.27 |
4.3 Compensation for Growth
A cheap valuation may be justified as SCR's earnings are expected to decrease with -2.83% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.95%
EPS Next 3Y-2.83%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.75%, SCR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.23, SCR pays a better dividend. On top of this SCR pays more dividend than 81.48% of the companies listed in the same industry.
SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.75% |
5.2 History
The dividend of SCR decreases each year by -3.46%.
Dividend Growth(5Y)-3.46%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
SCR's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP0%
EPS Next 2Y-6.95%
EPS Next 3Y-2.83%
SCOR SE
EPA:SCR (1/2/2025, 7:00:00 PM)
24.18
+0.54 (+2.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners48.47%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap4.34B
Analysts73.68
Price Target27.54 (13.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.75% |
Dividend Growth(5Y)-3.46%
DP0%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-232.5%
Min EPS beat(2)-282.85%
Max EPS beat(2)-182.14%
EPS beat(4)0
Avg EPS beat(4)-119.07%
Min EPS beat(4)-282.85%
Max EPS beat(4)-4.76%
EPS beat(8)3
Avg EPS beat(8)-39.61%
EPS beat(12)4
Avg EPS beat(12)-136.59%
EPS beat(16)8
Avg EPS beat(16)-42.15%
Revenue beat(2)2
Avg Revenue beat(2)5.31%
Min Revenue beat(2)2.78%
Max Revenue beat(2)7.84%
Revenue beat(4)4
Avg Revenue beat(4)4.25%
Min Revenue beat(4)2.78%
Max Revenue beat(4)7.84%
Revenue beat(8)8
Avg Revenue beat(8)19.19%
Revenue beat(12)12
Avg Revenue beat(12)33.2%
Revenue beat(16)15
Avg Revenue beat(16)39.86%
PT rev (1m)2.39%
PT rev (3m)5.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-38.79%
EPS NY rev (1m)0%
EPS NY rev (3m)-41.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.78 | ||
| P/S | 0.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.97 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | 4.27 |
EPS(TTM)-0.36
EYN/A
EPS(NY)4.18
Fwd EY17.29%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS134.28
BVpS24.94
TBVpS20.03
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 6.19% | ||
| ROCE | 3.27% | ||
| ROIC | 2.11% | ||
| ROICexc | 2.22% | ||
| ROICexgc | 2.78% | ||
| OM | 4.79% | ||
| PM (TTM) | 1.15% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)-0.34%
ROA(5y)0.08%
ROE(3y)-2.53%
ROE(5y)0.57%
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
ROICexcg growth 3Y58.74%
ROICexcg growth 5Y25.57%
ROICexc growth 3Y54.81%
ROICexc growth 5Y24.09%
OM growth 3Y44.14%
OM growth 5Y17.49%
PM growth 3Y54.79%
PM growth 5Y19.9%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.68
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 2.35 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC5.3%
ROIC/WACC0.4
Cap/Depr(3y)21.7%
Cap/Depr(5y)48.49%
Cap/Sales(3y)0.37%
Cap/Sales(5y)0.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-107.09%
EPS 3Y56.5%
EPS 5Y9.85%
EPS Q2Q%-179.27%
EPS Next Y-81.31%
EPS Next 2Y-6.95%
EPS Next 3Y-2.83%
EPS Next 5Y-1.09%
Revenue 1Y (TTM)-2.62%
Revenue growth 3Y-2.19%
Revenue growth 5Y0.35%
Sales Q2Q%2.36%
Revenue Next Year0.82%
Revenue Next 2Y2.31%
Revenue Next 3Y3.93%
Revenue Next 5Y-0.92%
EBIT growth 1Y261.76%
EBIT growth 3Y40.98%
EBIT growth 5Y17.91%
EBIT Next Year-54.89%
EBIT Next 3Y-0.85%
EBIT Next 5YN/A
FCF growth 1Y236.51%
FCF growth 3Y19.26%
FCF growth 5Y12.33%
OCF growth 1Y196%
OCF growth 3Y14.42%
OCF growth 5Y10.68%