SCOR SE (SCR.PA) Fundamental Analysis & Valuation

EPA:SCR • FR0010411983

Current stock price

30.9 EUR
+0.34 (+1.11%)
Last:

This SCR.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. SCR.PA Profitability Analysis

1.1 Basic Checks

  • In the past year SCR was profitable.
  • SCR had a positive operating cash flow in the past year.
  • 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.
SCR.PA Yearly Net Income VS EBIT VS OCF VS FCFSCR.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

1.2 Ratios

  • The Return On Assets of SCR (3.51%) is better than 76.74% of its industry peers.
  • SCR has a better Return On Equity (28.64%) than 95.35% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 4.08%, SCR belongs to the top of the industry, outperforming 83.72% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for SCR is in line with the industry average of 2.95%.
  • The 3 year average ROIC (2.19%) for SCR is below the current ROIC(4.08%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.51%
ROE 28.64%
ROIC 4.08%
ROA(3y)1.55%
ROA(5y)0.27%
ROE(3y)12.2%
ROE(5y)2.34%
ROIC(3y)2.19%
ROIC(5y)N/A
SCR.PA Yearly ROA, ROE, ROICSCR.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20 -30

1.3 Margins

  • The Profit Margin of SCR (5.59%) is worse than 69.77% of its industry peers.
  • In the last couple of years the Profit Margin of SCR has grown nicely.
  • Looking at the Operating Margin, with a value of 8.79%, SCR is doing worse than 60.47% of the companies in the same industry.
  • SCR's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 8.79%
PM (TTM) 5.59%
GM N/A
OM growth 3YN/A
OM growth 5Y23.72%
PM growth 3YN/A
PM growth 5Y32.87%
GM growth 3YN/A
GM growth 5YN/A
SCR.PA Yearly Profit, Operating, Gross MarginsSCR.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SCR.PA Health Analysis

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.
  • The number of shares outstanding for SCR remains at a similar level compared to 1 year ago.
  • SCR has less shares outstanding than it did 5 years ago.
  • SCR has a worse debt/assets ratio than last year.
SCR.PA Yearly Shares OutstandingSCR.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SCR.PA Yearly Total Debt VS Total AssetsSCR.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • The Debt to FCF ratio of SCR is 3.03, which is a good value as it means it would take SCR, 3.03 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of SCR (3.03) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.77 indicates that SCR is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.77, SCR is not doing good in the industry: 67.44% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 3.03
Altman-Z N/A
ROIC/WACC0.69
WACC5.9%
SCR.PA Yearly LT Debt VS Equity VS FCFSCR.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SCR.PA Yearly Current Assets VS Current LiabilitesSCR.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SCR.PA Growth Analysis

3.1 Past

  • SCR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15766.67%, which is quite impressive.
  • SCR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 30.45% yearly.
  • Looking at the last year, SCR shows a decrease in Revenue. The Revenue has decreased by -4.45% in the last year.
  • SCR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.56% yearly.
EPS 1Y (TTM)15766.67%
EPS 3YN/A
EPS 5Y30.45%
EPS Q2Q%-10.77%
Revenue 1Y (TTM)-4.45%
Revenue growth 3Y-3.31%
Revenue growth 5Y-2.56%
Sales Q2Q%-9.61%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.50% on average over the next years.
  • SCR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.02% yearly.
EPS Next Y-10.6%
EPS Next 2Y-2.62%
EPS Next 3Y6.34%
EPS Next 5Y4.51%
Revenue Next Year0.98%
Revenue Next 2Y0.83%
Revenue Next 3Y2.88%
Revenue Next 5Y3.02%

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 accelerating: in the next years the growth will be better than in the last years.
SCR.PA Yearly Revenue VS EstimatesSCR.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
SCR.PA Yearly EPS VS EstimatesSCR.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0 2 4 6

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7

4. SCR.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.49 indicates a rather cheap 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 97.67% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.35, SCR is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.26, the valuation of SCR can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 95.35% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.61. SCR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.49
Fwd PE 7.26
SCR.PA Price Earnings VS Forward Price EarningsSCR.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 97.67% of the companies in the same industry are more expensive than SCR, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SCR indicates a somewhat cheap valuation: SCR is cheaper than 76.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.9
EV/EBITDA 3.04
SCR.PA Per share dataSCR.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • SCR has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2Y-2.62%
EPS Next 3Y6.34%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. SCR.PA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.23%, SCR is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.47, 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 1.89.
Industry RankSector Rank
Dividend Yield 6.23%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
SCR.PA Yearly Dividends per shareSCR.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • SCR pays out 25.39% of its income as dividend. This is a sustainable payout ratio.
DP25.39%
EPS Next 2Y-2.62%
EPS Next 3Y6.34%
SCR.PA Yearly Income VS Free CF VS DividendSCR.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B
SCR.PA Dividend Payout.SCR.PA Dividend Payout, showing the Payout Ratio.SCR.PA Dividend Payout.PayoutRetained Earnings

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SCR.PA Fundamentals: All Metrics, Ratios and Statistics

SCOR SE

EPA:SCR (4/1/2026, 1:55:05 PM)

30.9

+0.34 (+1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-04
Earnings (Next)05-06
Inst Owners49.4%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.54B
Revenue(TTM)22.67B
Net Income(TTM)1.27B
Analysts76.84
Price Target33.57 (8.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.23%
Yearly Dividend1.8
Dividend Growth(5Y)N/A
DP25.39%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.56%
Min EPS beat(2)7.05%
Max EPS beat(2)22.07%
EPS beat(4)4
Avg EPS beat(4)18.19%
Min EPS beat(4)7.05%
Max EPS beat(4)34.36%
EPS beat(8)5
Avg EPS beat(8)-48.77%
EPS beat(12)7
Avg EPS beat(12)-25%
EPS beat(16)8
Avg EPS beat(16)-98.14%
Revenue beat(2)2
Avg Revenue beat(2)9.74%
Min Revenue beat(2)5.61%
Max Revenue beat(2)13.87%
Revenue beat(4)4
Avg Revenue beat(4)9.66%
Min Revenue beat(4)5.61%
Max Revenue beat(4)13.87%
Revenue beat(8)8
Avg Revenue beat(8)7.56%
Revenue beat(12)12
Avg Revenue beat(12)7.06%
Revenue beat(16)16
Avg Revenue beat(16)19.5%
PT rev (1m)5.2%
PT rev (3m)4.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.47%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)-0.78%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-10.2%
Valuation
Industry RankSector Rank
PE 6.49
Fwd PE 7.26
P/S 0.24
P/FCF 4.9
P/OCF 4.74
P/B 1.25
P/tB 1.77
EV/EBITDA 3.04
EPS(TTM)4.76
EY15.4%
EPS(NY)4.26
Fwd EY13.77%
FCF(TTM)6.31
FCFY20.41%
OCF(TTM)6.52
OCFY21.11%
SpS126.39
BVpS24.68
TBVpS17.43
PEG (NY)N/A
PEG (5Y)0.21
Graham Number51.41
Profitability
Industry RankSector Rank
ROA 3.51%
ROE 28.64%
ROCE 5.56%
ROIC 4.08%
ROICexc 4.34%
ROICexgc 5.22%
OM 8.79%
PM (TTM) 5.59%
GM N/A
FCFM 4.99%
ROA(3y)1.55%
ROA(5y)0.27%
ROE(3y)12.2%
ROE(5y)2.34%
ROIC(3y)2.19%
ROIC(5y)N/A
ROICexc(3y)2.32%
ROICexc(5y)N/A
ROICexgc(3y)2.79%
ROICexgc(5y)N/A
ROCE(3y)2.98%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y29.31%
ROICexc growth 3YN/A
ROICexc growth 5Y27.37%
OM growth 3YN/A
OM growth 5Y23.72%
PM growth 3YN/A
PM growth 5Y32.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.63
Health
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 3.03
Debt/EBITDA 1.53
Cap/Depr 15.35%
Cap/Sales 0.17%
Interest Coverage 17.03
Cash Conversion 52.09%
Profit Quality 89.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.9%
ROIC/WACC0.69
Cap/Depr(3y)14.52%
Cap/Depr(5y)18.6%
Cap/Sales(3y)0.21%
Cap/Sales(5y)0.31%
Profit Quality(3y)7395.37%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15766.67%
EPS 3YN/A
EPS 5Y30.45%
EPS Q2Q%-10.77%
EPS Next Y-10.6%
EPS Next 2Y-2.62%
EPS Next 3Y6.34%
EPS Next 5Y4.51%
Revenue 1Y (TTM)-4.45%
Revenue growth 3Y-3.31%
Revenue growth 5Y-2.56%
Sales Q2Q%-9.61%
Revenue Next Year0.98%
Revenue Next 2Y0.83%
Revenue Next 3Y2.88%
Revenue Next 5Y3.02%
EBIT growth 1Y211.25%
EBIT growth 3YN/A
EBIT growth 5Y20.55%
EBIT Next Year-14.33%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y29.26%
FCF growth 3Y38.04%
FCF growth 5Y5.8%
OCF growth 1Y29.57%
OCF growth 3Y32.76%
OCF growth 5Y3.44%

SCOR SE / SCR.PA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SCOR SE (SCR.PA) stock?

ChartMill assigns a fundamental rating of 5 / 10 to SCR.PA.


What is the valuation status for SCR stock?

ChartMill assigns a valuation rating of 7 / 10 to SCOR SE (SCR.PA). This can be considered as Undervalued.


How profitable is SCOR SE (SCR.PA) stock?

SCOR SE (SCR.PA) has a profitability rating of 6 / 10.


What are the PE and PB ratios of SCOR SE (SCR.PA) stock?

The Price/Earnings (PE) ratio for SCOR SE (SCR.PA) is 6.49 and the Price/Book (PB) ratio is 1.25.


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 decline by -10.6% in the next year.