SCOR SE (SCR.PA) Stock Fundamental Analysis
EPA:SCR - Euronext Paris - Matif - FR0010411983 - Common Stock - Currency: EUR
We assign a fundamental rating of 3 out of 10 to SCR. SCR was compared to 33 industry peers in the Insurance industry. Both the profitability and financial health of SCR have multiple concerns. SCR has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
SCR had negative earnings in the past year.
In the past year SCR had a positive cash flow from operations.
Of the past 5 years SCR 4 years were profitable.
Of the past 5 years SCR 4 years had a positive operating cash flow.
1.2 Ratios
SCR's Return On Assets of 1.53% is fine compared to the rest of the industry. SCR outperforms 75.00% of its industry peers.
The Return On Equity of SCR (12.09%) is worse than 61.11% of its industry peers.
SCR has a better Return On Invested Capital (3.05%) than 86.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 12.09% | ||
| ROIC | 3.05% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 2.19%, SCR is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of SCR has declined.
SCR has a Operating Margin of 5.93%. This is in the lower half of the industry: SCR underperforms 69.44% of its industry peers.
SCR's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.93% | ||
| PM (TTM) | 2.19% | ||
| GM | N/A |
OM growth 3Y-13.4%
OM growth 5Y-7.94%
PM growth 3Y-78.6%
PM growth 5Y-60.26%
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.
There is no outstanding debt for SCR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
SCR has a debt to FCF ratio of 2.13. This is a good value and a sign of high solvency as SCR would need 2.13 years to pay back of all of its debts.
The Debt to FCF ratio of SCR (2.13) is better than 75.00% of its industry peers.
A Debt/Equity ratio of 0.72 indicates that SCR is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.72, SCR is doing worse than 63.89% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for SCR, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 2.13 | ||
| Altman-Z | N/A |
ROIC/WACC0.53
WACC5.81%
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 -123.58%.
SCR shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -60.26% yearly.
The Revenue has decreased by -0.56% in the past year.
The Revenue has been decreasing by -0.90% on average over the past years.
EPS 1Y (TTM)-123.58%
EPS 3Y-79.12%
EPS 5Y-60.26%
EPS Q2Q%-85.62%
Revenue 1Y (TTM)-0.56%
Revenue growth 3Y-3.64%
Revenue growth 5Y-0.9%
Sales Q2Q%-19.36%
3.2 Future
The Earnings Per Share is expected to grow by 42.17% on average over the next years. This is a very strong growth
Based on estimates for the next years, SCR will show a decrease in Revenue. The Revenue will decrease by -0.93% on average per year.
EPS Next Y459.06%
EPS Next 2Y142.77%
EPS Next 3Y79.08%
EPS Next 5Y42.17%
Revenue Next Year4.04%
Revenue Next 2Y5.84%
Revenue Next 3Y-0.93%
Revenue Next 5YN/A
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 stable: in the next years the growth will be about the same 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 6.24, the valuation of SCR can be described as very cheap.
Based on the Price/Forward Earnings ratio, SCR is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.24 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 100.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.04 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SCR's 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 79.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y142.77%
EPS Next 3Y79.08%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.74%, SCR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.64, SCR pays a better dividend. On top of this SCR pays more dividend than 86.11% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, SCR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.74% |
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
59.89% of the earnings are spent on dividend by SCR. This is a bit on the high side, but may be sustainable.
DP59.89%
EPS Next 2Y142.77%
EPS Next 3Y79.08%
EPA:SCR (3/7/2025, 7:00:00 PM)
25.52
-1.18 (-4.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners44.94%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap4.58B
Analysts76.84
Price Target27.87 (9.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.74% |
Yearly Dividend1.42
Dividend Growth(5Y)-3.46%
DP59.89%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-144.7%
Min EPS beat(2)-282.85%
Max EPS beat(2)-6.55%
EPS beat(4)0
Avg EPS beat(4)-79.3%
Min EPS beat(4)-282.85%
Max EPS beat(4)-4.76%
EPS beat(8)3
Avg EPS beat(8)-36.84%
EPS beat(12)5
Avg EPS beat(12)-115.52%
EPS beat(16)9
Avg EPS beat(16)-22.41%
Revenue beat(2)2
Avg Revenue beat(2)5.7%
Min Revenue beat(2)3.55%
Max Revenue beat(2)7.84%
Revenue beat(4)4
Avg Revenue beat(4)4.47%
Min Revenue beat(4)2.82%
Max Revenue beat(4)7.84%
Revenue beat(8)8
Avg Revenue beat(8)20.44%
Revenue beat(12)12
Avg Revenue beat(12)33.78%
Revenue beat(16)15
Avg Revenue beat(16)40.29%
PT rev (1m)0%
PT rev (3m)2.27%
EPS NQ rev (1m)-6.56%
EPS NQ rev (3m)-6.56%
EPS NY rev (1m)0.18%
EPS NY rev (3m)-2.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.48%
Revenue NY rev (3m)-1.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.24 | ||
| P/S | 0.19 | ||
| P/FCF | 3.04 | ||
| P/OCF | 2.99 | ||
| P/B | 1.02 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.14
EYN/A
EPS(NY)4.09
Fwd EY16.03%
FCF(TTM)8.4
FCFY32.92%
OCF(TTM)8.52
OCFY33.4%
SpS137.7
BVpS24.94
TBVpS20.03
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 12.09% | ||
| ROCE | 4.15% | ||
| ROIC | 3.05% | ||
| ROICexc | 3.2% | ||
| ROICexgc | 4.02% | ||
| OM | 5.93% | ||
| PM (TTM) | 2.19% | ||
| GM | N/A | ||
| FCFM | 6.1% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-13.4%
OM growth 5Y-7.94%
PM growth 3Y-78.6%
PM growth 5Y-60.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.7
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 2.13 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.09% | ||
| Interest Coverage | 14.64 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 278.56% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC5.81%
ROIC/WACC0.53
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-123.58%
EPS 3Y-79.12%
EPS 5Y-60.26%
EPS Q2Q%-85.62%
EPS Next Y459.06%
EPS Next 2Y142.77%
EPS Next 3Y79.08%
EPS Next 5Y42.17%
Revenue 1Y (TTM)-0.56%
Revenue growth 3Y-3.64%
Revenue growth 5Y-0.9%
Sales Q2Q%-19.36%
Revenue Next Year4.04%
Revenue Next 2Y5.84%
Revenue Next 3Y-0.93%
Revenue Next 5YN/A
EBIT growth 1Y951.16%
EBIT growth 3Y-16.55%
EBIT growth 5Y-8.76%
EBIT Next Year307.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y43.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.37%
OCF growth 3YN/A
OCF growth 5YN/A