SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
26.66 EUR
0 (0%)
SCR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. SCR has a bad profitability rating. Also its financial health evaluation is rather negative. SCR may be a bit undervalued, certainly considering the very reasonable score on growth SCR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SCR had positive earnings in the past year.
Of the past 5 years SCR 4 years were profitable.
SCR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SCR's Return On Assets of 1.74% is fine compared to the rest of the industry. SCR outperforms 70.83% of its industry peers.
The Return On Equity of SCR (15.11%) is comparable to the rest of the industry.
SCR's Return On Invested Capital of 2.50% is fine compared to the rest of the industry. SCR outperforms 70.83% 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 83.33% of its industry peers.
SCR's Profit Margin has declined in the last couple of years.
SCR has a worse Operating Margin (5.25%) than 79.17% of its industry peers.
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
SCR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, SCR has about the same amount of shares outstanding.
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
SCR has a Debt/Equity ratio of 0.81. This is a neutral value indicating SCR is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.81, SCR is not doing good in the industry: 64.58% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.44
WACC5.68%
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.
SCR shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -57.79% yearly.
SCR shows a decrease in Revenue. In the last year, the revenue decreased by -0.68%.
SCR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.88% yearly.
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
The Revenue is expected to decrease by -0.37% on average over the next years.
EPS Next Y14793.43%
EPS Next 2Y1107.18%
EPS Next 3Y439.43%
EPS Next 5Y171.11%
Revenue Next Year-3.34%
Revenue Next 2Y-0.31%
Revenue Next 3Y-0.01%
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
A Price/Earnings ratio of 5.44 indicates a rather cheap valuation of SCR.
100.00% 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 26.41, SCR is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.10, the valuation of SCR can be described as very cheap.
100.00% 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 35.40, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 6.1 |
4.2 Price Multiples
89.58% of the companies in the same industry are more expensive than SCR, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.19 |
4.3 Compensation for Growth
The 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 439.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1107.18%
EPS Next 3Y439.43%
5. Dividend
5.1 Amount
SCR has a Yearly Dividend Yield of 6.55%, which is a nice return.
SCR's Dividend Yield is rather good when compared to the industry average which is at 4.47. SCR pays more dividend than 91.67% of the companies in the same industry.
SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.55% |
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 2Y1107.18%
EPS Next 3Y439.43%
EPA:SCR (12/4/2025, 7:00:00 PM)
26.66
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners49.04%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap4.78B
Revenue(TTM)15.93B
Net Income(TTM)624.00M
Analysts76.67
Price Target31.89 (19.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.55% |
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)1.49%
PT rev (3m)1.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.13%
EPS NY rev (1m)2.92%
EPS NY rev (3m)2.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)2.58%
Revenue NY rev (3m)2.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 6.1 | ||
| P/S | 0.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.16 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | 4.19 |
EPS(TTM)4.9
EY18.38%
EPS(NY)4.37
Fwd EY16.4%
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
WACC5.68%
ROIC/WACC0.44
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 Y14793.43%
EPS Next 2Y1107.18%
EPS Next 3Y439.43%
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-3.34%
Revenue Next 2Y-0.31%
Revenue Next 3Y-0.01%
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 5.44 and the Price/Book (PB) ratio is 1.16.
How financially healthy is SCOR SE?
The financial health rating of SCOR SE (SCR.PA) is 1 / 10.