SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - EPA:SCR - FR0010411983 - Common Stock
26.4 EUR
-3.8 (-12.58%)
Taking everything into account, SCR scores 4 out of 10 in our fundamental rating. SCR was compared to 43 industry peers in the Insurance industry. SCR has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on SCR. SCR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SCR had positive earnings in the past year.
Of the past 5 years SCR 4 years were profitable.
Each year in the past 5 years SCR had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SCR (1.74%) is better than 76.74% of its industry peers.
SCR's Return On Equity of 15.11% is fine compared to the rest of the industry. SCR outperforms 60.47% of its industry peers.
SCR has a better Return On Invested Capital (2.50%) than 76.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 15.11% | ||
| ROIC | 2.5% |
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
SCR has a worse Profit Margin (2.70%) than 83.72% of its industry peers.
In the last couple of years the Profit Margin of SCR has declined.
SCR's Operating Margin of 5.25% is on the low side compared to the rest of the industry. SCR is outperformed by 79.07% of its industry peers.
SCR's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.25% | ||
| PM (TTM) | 2.7% | ||
| 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.
The number of shares outstanding for SCR has been reduced compared to 5 years ago.
The debt/assets ratio for SCR is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.81 indicates that SCR is somewhat dependend on debt financing.
The Debt to Equity ratio of SCR (0.81) is worse than 65.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.44
WACC5.68%
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 172.97%, 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 -6.34% in the past year.
The Revenue has been decreasing by -0.88% on average over the past years.
EPS 1Y (TTM)172.97%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%173.26%
Revenue 1Y (TTM)-6.34%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.18%
3.2 Future
SCR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 170.20% yearly.
SCR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.33% yearly.
EPS Next Y14370.98%
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
EPS Next 5Y170.2%
Revenue Next Year-5.77%
Revenue Next 2Y-1.6%
Revenue Next 3Y-0.98%
Revenue Next 5Y-0.33%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.71 indicates a reasonable valuation of SCR.
Compared to the rest of the industry, the Price/Earnings ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 90.70% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.19. SCR is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.03, the valuation of SCR can be described as very cheap.
Based on the Price/Forward Earnings ratio, SCR is valued cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SCR to the average of the S&P500 Index (22.50), we can say SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.71 | ||
| Fwd PE | 6.03 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SCR is valued cheaper than 86.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.63 |
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.
A more expensive valuation may be justified as SCR's earnings are expected to grow with 437.15% in the coming years.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.99%, SCR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.57, SCR pays a better dividend. On top of this SCR pays more dividend than 86.05% 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 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.99% |
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's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP0%
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
EPA:SCR (10/31/2025, 5:29:57 PM)
26.4
-3.8 (-12.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners49.04%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap4.74B
Revenue(TTM)23.13B
Net Income(TTM)624.00M
Analysts76.67
Price Target31.42 (19.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.99% |
Yearly Dividend1.81
Dividend Growth(5Y)0.57%
DP0%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.81%
Min EPS beat(2)9.26%
Max EPS beat(2)34.36%
EPS beat(4)3
Avg EPS beat(4)-32.48%
Min EPS beat(4)-182.14%
Max EPS beat(4)34.36%
EPS beat(8)3
Avg EPS beat(8)-55.89%
EPS beat(12)6
Avg EPS beat(12)-35.39%
EPS beat(16)8
Avg EPS beat(16)-94.76%
Revenue beat(2)2
Avg Revenue beat(2)9.58%
Min Revenue beat(2)7.42%
Max Revenue beat(2)11.75%
Revenue beat(4)4
Avg Revenue beat(4)7.4%
Min Revenue beat(4)2.78%
Max Revenue beat(4)11.75%
Revenue beat(8)8
Avg Revenue beat(8)5.93%
Revenue beat(12)12
Avg Revenue beat(12)16.09%
Revenue beat(16)16
Avg Revenue beat(16)27.18%
PT rev (1m)0%
PT rev (3m)0.73%
EPS NQ rev (1m)9.46%
EPS NQ rev (3m)0.4%
EPS NY rev (1m)0%
EPS NY rev (3m)6.53%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)-0.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-8.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.71 | ||
| Fwd PE | 6.03 | ||
| P/S | 0.2 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.15 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | 4.63 |
EPS(TTM)3.03
EY11.48%
EPS(NY)4.38
Fwd EY16.6%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS128.97
BVpS23.02
TBVpS18.09
PEG (NY)0
PEG (5Y)N/A
Graham Number39.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 15.11% | ||
| ROCE | 3.4% | ||
| ROIC | 2.5% | ||
| ROICexc | 2.66% | ||
| ROICexgc | 3.29% | ||
| OM | 5.25% | ||
| PM (TTM) | 2.7% | ||
| GM | N/A | ||
| FCFM | N/A |
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-ScoreN/A
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 2.32 | ||
| 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
WACC5.68%
ROIC/WACC0.44
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)172.97%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%173.26%
EPS Next Y14370.98%
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
EPS Next 5Y170.2%
Revenue 1Y (TTM)-6.34%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.18%
Revenue Next Year-5.77%
Revenue Next 2Y-1.6%
Revenue Next 3Y-0.98%
Revenue Next 5Y-0.33%
EBIT growth 1Y-13.9%
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-39.53%
FCF growth 3Y-27.74%
FCF growth 5Y4.24%
OCF growth 1Y-38.99%
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 of SCOR SE (SCR.PA) stock?
ChartMill assigns a valuation rating of 7 / 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 3 / 10.
Can you provide the PE and PB ratios for SCR stock?
The Price/Earnings (PE) ratio for SCOR SE (SCR.PA) is 8.71 and the Price/Book (PB) ratio is 1.15.
How financially healthy is SCOR SE?
The financial health rating of SCOR SE (SCR.PA) is 1 / 10.