SCOR SE (SCR.PA) Fundamental Analysis & Valuation

EPA:SCR • FR0010411983

Current stock price

30.92 EUR
+0.24 (+0.78%)
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

  • SCR had positive 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.
  • In the past 5 years SCR always reported a positive cash flow from operatings.
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

  • With a decent Return On Assets value of 3.51%, SCR is doing good in the industry, outperforming 76.19% of the companies in the same industry.
  • SCR's Return On Equity of 28.64% is amongst the best of the industry. SCR outperforms 95.24% of its industry peers.
  • SCR's Return On Invested Capital of 4.08% is amongst the best of the industry. SCR outperforms 83.33% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SCR is in line with the industry average of 3.02%.
  • 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

  • With a Profit Margin value of 5.59%, SCR is not doing good in the industry: 69.05% of the companies in the same industry are doing better.
  • SCR's Profit Margin has improved in the last couple of years.
  • SCR has a Operating Margin of 8.79%. This is comparable to the rest of the industry: SCR outperforms 40.48% of its industry peers.
  • In the last couple of years the Operating Margin of SCR has grown nicely.
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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SCR is destroying value.
  • SCR has about the same amout of shares outstanding than it did 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.
  • SCR has a Debt to FCF ratio of 3.03. This is comparable to the rest of the industry: SCR outperforms 45.24% of its industry peers.
  • SCR has a Debt/Equity ratio of 0.77. This is a neutral value indicating SCR is somewhat dependend on debt financing.
  • SCR has a Debt to Equity ratio of 0.77. This is in the lower half of the industry: SCR underperforms 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 3.03
Altman-Z N/A
ROIC/WACC0.69
WACC5.91%
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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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.
  • SCR shows a decrease in Revenue. In the last year, the revenue decreased by -4.45%.
  • 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.
  • 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 Year-1.31%
Revenue Next 2Y-0.2%
Revenue Next 3Y1.05%
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

  • SCR is valuated cheaply with a Price/Earnings ratio of 6.50.
  • SCR's Price/Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 97.62% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.17, SCR is valued rather cheaply.
  • A Price/Forward Earnings ratio of 7.27 indicates a rather cheap valuation of SCR.
  • 95.24% of the companies in the same industry are more expensive than SCR, based on the Price/Forward Earnings ratio.
  • SCR is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.5
Fwd PE 7.27
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

  • 97.62% 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 76.19% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.9
EV/EBITDA 3.07
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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7

5. SCR.PA Dividend Analysis

5.1 Amount

  • SCR has a Yearly Dividend Yield of 6.29%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.54, SCR pays a better dividend. On top of this SCR pays more dividend than 85.71% 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 6.29%

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 (4/2/2026, 7:00:00 PM)

30.92

+0.24 (+0.78%)

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 Cap5.55B
Revenue(TTM)22.67B
Net Income(TTM)1.27B
Analysts77
Price Target33.57 (8.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.29%
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)-5.9%
EPS NQ rev (3m)-6.34%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.78%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)-2.27%
Revenue NY rev (3m)-12.23%
Valuation
Industry RankSector Rank
PE 6.5
Fwd PE 7.27
P/S 0.24
P/FCF 4.9
P/OCF 4.74
P/B 1.25
P/tB 1.77
EV/EBITDA 3.07
EPS(TTM)4.76
EY15.39%
EPS(NY)4.26
Fwd EY13.76%
FCF(TTM)6.31
FCFY20.39%
OCF(TTM)6.52
OCFY21.1%
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
WACC5.91%
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 Year-1.31%
Revenue Next 2Y-0.2%
Revenue Next 3Y1.05%
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 6.5 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.