SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
28.42 EUR
-0.02 (-0.07%)
Taking everything into account, SCR scores 4 out of 10 in our fundamental rating. SCR was compared to 47 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. Finally SCR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SCR had positive earnings in the past year.
SCR had positive earnings in 4 of the past 5 years.
In the past 5 years SCR always reported a positive cash flow from operatings.
1.2 Ratios
SCR has a better Return On Assets (1.74%) than 66.67% of its industry peers.
The Return On Equity of SCR (15.11%) is comparable to the rest of the industry.
The Return On Invested Capital of SCR (2.50%) is better than 71.11% 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's Profit Margin of 2.70% is on the low side compared to the rest of the industry. SCR is outperformed by 82.22% of its industry peers.
SCR's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 5.25%, 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 Operating Margin of SCR has declined.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SCR 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.
Compared to 1 year ago, SCR has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 0.81 indicates that SCR is somewhat dependend on debt financing.
SCR has a Debt to Equity ratio of 0.81. This is in the lower half of the industry: SCR underperforms 64.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.43
WACC5.85%
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 1461.11%, which is quite impressive.
Measured over the past years, SCR shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -57.79% on average per year.
SCR shows a decrease in Revenue. In the last year, the revenue decreased by -0.68%.
The Revenue has been decreasing by -0.88% on average over the past years.
EPS 1Y (TTM)1461.11%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%287.69%
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
3.2 Future
The Earnings Per Share is expected to grow by 171.11% on average over the next years. This is a very strong growth
SCR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.37% yearly.
EPS Next Y15045.52%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPS Next 5Y171.11%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.37%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
SCR is valuated cheaply with a Price/Earnings ratio of 5.80.
97.78% of the companies in the same industry are more expensive than SCR, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.92, SCR is valued rather cheaply.
The Price/Forward Earnings ratio is 6.63, which indicates a rather cheap valuation of SCR.
SCR's Price/Forward Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 95.56% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.8 | ||
| Fwd PE | 6.63 |
4.2 Price Multiples
SCR's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SCR is cheaper than 91.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.41 |
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 434.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
5. Dividend
5.1 Amount
SCR has a Yearly Dividend Yield of 6.33%, which is a nice return.
SCR's Dividend Yield is rather good when compared to the industry average which is at 3.90. SCR pays more dividend than 88.89% of the companies in the same industry.
SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.33% |
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 2Y1095.64%
EPS Next 3Y434.72%
EPA:SCR (12/24/2025, 7:00:00 PM)
28.42
-0.02 (-0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners50.14%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.10B
Revenue(TTM)15.93B
Net Income(TTM)624.00M
Analysts76.67
Price Target32.02 (12.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.33% |
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)0.43%
PT rev (3m)1.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.06%
EPS NY rev (1m)1.69%
EPS NY rev (3m)4.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)-0.44%
Revenue NY rev (3m)2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.8 | ||
| Fwd PE | 6.63 | ||
| P/S | 0.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.23 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | 4.41 |
EPS(TTM)4.9
EY17.24%
EPS(NY)4.29
Fwd EY15.09%
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 Number50.38
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
WACC5.85%
ROIC/WACC0.43
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)1461.11%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%287.69%
EPS Next Y15045.52%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPS Next 5Y171.11%
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.37%
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 8 / 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 5.8 and the Price/Book (PB) ratio is 1.23.
How financially healthy is SCOR SE?
The financial health rating of SCOR SE (SCR.PA) is 1 / 10.