SCOR SE (SCR.PA) Fundamental Analysis & Valuation

EPA:SCR • FR0010411983

Current stock price

30.3 EUR
-0.38 (-1.24%)
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.
  • In the past year SCR had a positive cash flow from operations.
  • SCR had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years SCR had a positive operating cash flow.
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

  • SCR has a better Return On Assets (3.51%) than 74.47% of its industry peers.
  • SCR has a better Return On Equity (28.64%) than 93.62% of its industry peers.
  • The Return On Invested Capital of SCR (4.08%) is better than 80.85% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for SCR is in line with the industry average of 2.85%.
  • The last Return On Invested Capital (4.08%) for SCR is above the 3 year average (2.19%), which is a sign of increasing profitability.
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 74.47% of its industry peers.
  • In the last couple of years the Profit Margin of SCR has grown nicely.
  • With a Operating Margin value of 8.79%, SCR is not doing good in the industry: 65.96% of the companies in the same industry are doing better.
  • 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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2

2. SCR.PA Health Analysis

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.
  • The number of shares outstanding for SCR has been reduced compared to 5 years ago.
  • Compared to 1 year ago, SCR has a worse debt to assets ratio.
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

  • SCR has a debt to FCF ratio of 3.03. This is a good value and a sign of high solvency as SCR would need 3.03 years to pay back of all of its debts.
  • SCR has a Debt to FCF ratio (3.03) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.77 indicates that SCR is somewhat dependend on debt financing.
  • The Debt to Equity ratio of SCR (0.77) is worse than 68.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 3.03
Altman-Z N/A
ROIC/WACC0.68
WACC6.01%
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

  • The Earnings Per Share has grown by an impressive 15766.67% over the past year.
  • The Earnings Per Share has been growing by 30.45% on average over the past years. This is a very strong growth
  • SCR shows a decrease in Revenue. In the last year, the revenue decreased by -4.45%.
  • The Revenue has been decreasing by -2.56% on average over the past years.
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

  • SCR is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.50% yearly.
  • The Revenue is expected to grow by 3.02% on average over the next years.
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.
  • 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.
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

  • The Price/Earnings ratio is 6.37, which indicates a rather cheap valuation of SCR.
  • Based on the Price/Earnings ratio, SCR is valued cheaper than 95.74% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. SCR is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 7.12, which indicates a rather cheap valuation of SCR.
  • 95.74% of the companies in the same industry are more expensive than SCR, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.42. SCR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.37
Fwd PE 7.12
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

  • SCR's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SCR is cheaper than 95.74% of the companies in the same industry.
  • SCR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SCR is cheaper than 76.60% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.81
EV/EBITDA 3.02
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 6.19%, SCR is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.59, SCR pays a better dividend. On top of this SCR pays more dividend than 85.11% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, SCR pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.19%

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

  • 25.39% of the earnings are spent on dividend by SCR. This is a low number and 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 (3/20/2026, 7:00:00 PM)

30.3

-0.38 (-1.24%)

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 Cap5.43B
Revenue(TTM)22.67B
Net Income(TTM)1.27B
Analysts76.84
Price Target31.91 (5.31%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.19%
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)0.4%
PT rev (3m)-0.35%
EPS NQ rev (1m)-0.47%
EPS NQ rev (3m)-0.47%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)-0.24%
Revenue NQ rev (1m)0.56%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)-10.2%
Revenue NY rev (3m)-10.2%
Valuation
Industry RankSector Rank
PE 6.37
Fwd PE 7.12
P/S 0.24
P/FCF 4.81
P/OCF 4.64
P/B 1.23
P/tB 1.74
EV/EBITDA 3.02
EPS(TTM)4.76
EY15.71%
EPS(NY)4.26
Fwd EY14.04%
FCF(TTM)6.31
FCFY20.81%
OCF(TTM)6.52
OCFY21.53%
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
WACC6.01%
ROIC/WACC0.68
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.


What is the profitability of SCR stock?

SCOR SE (SCR.PA) has a profitability rating of 6 / 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 decline by -10.6% in the next year.