SCOR SE (SCR.PA) Fundamental Analysis & Valuation
EPA:SCR • FR0010411983
30 EUR
+0.2 (+0.67%)
Last: Mar 13, 2026, 05:29 PM
This SCR.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
SCR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. There are concerns on the financial health of SCR while its profitability can be described as average. SCR may be a bit undervalued, certainly considering the very reasonable score on growth SCR also has an excellent dividend rating.
1. SCR.PA Profitability Analysis
1.1 Basic Checks
- SCR had positive earnings in the past year.
- SCR had a positive operating cash flow in the past year.
- SCR had positive earnings in 4 of the past 5 years.
- Of the past 5 years SCR 4 years had a positive operating cash flow.
1.2 Ratios
- SCR has a better Return On Assets (2.71%) than 68.09% of its industry peers.
- Looking at the Return On Equity, with a value of 22.10%, SCR is in the better half of the industry, outperforming 78.72% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 3.32%, SCR is in the better half of the industry, outperforming 72.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.71% | ||
| ROE | 22.1% | ||
| ROIC | 3.32% |
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
- SCR has a worse Profit Margin (4.15%) than 76.60% of its industry peers.
- SCR's Profit Margin has improved in the last couple of years.
- The Operating Margin of SCR (6.88%) is worse than 76.60% of its industry peers.
- SCR's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.88% | ||
| PM (TTM) | 4.15% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y23.19%
PM growth 3YN/A
PM growth 5Y32.9%
GM growth 3YN/A
GM growth 5YN/A
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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- The Debt to FCF ratio of SCR is 3.01, which is a good value as it means it would take SCR, 3.01 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of SCR (3.01) is comparable to the rest of the industry.
- A Debt/Equity ratio of 0.80 indicates that SCR is somewhat dependend on debt financing.
- SCR has a Debt to Equity ratio of 0.80. This is in the lower half of the industry: SCR underperforms 65.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACC0.55
WACC6.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. SCR.PA Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 12301.15% over the past year.
- The Earnings Per Share has been growing by 24.18% 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 -5.78%.
- SCR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.58% yearly.
EPS 1Y (TTM)12301.15%
EPS 3YN/A
EPS 5Y24.18%
EPS Q2Q%-90.74%
Revenue 1Y (TTM)-5.78%
Revenue growth 3Y-3.35%
Revenue growth 5Y-2.58%
Sales Q2Q%-25.02%
3.2 Future
- The Earnings Per Share is expected to grow by 9.78% on average over the next years. This is quite good.
- The Revenue is expected to grow by 3.02% on average over the next years.
EPS Next Y14.38%
EPS Next 2Y10.15%
EPS Next 3Y15.44%
EPS Next 5Y9.78%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. SCR.PA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 8.06, the valuation of SCR can be described as reasonable.
- SCR's Price/Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 91.49% of the companies in the same industry.
- SCR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.71.
- SCR is valuated cheaply with a Price/Forward Earnings ratio of 7.05.
- Based on the Price/Forward Earnings ratio, SCR is valued cheaply inside the industry as 97.87% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 23.82. SCR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.06 | ||
| Fwd PE | 7.05 |
4.2 Price Multiples
- SCR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SCR is cheaper than 70.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.65 | ||
| 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 15.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
PEG (5Y)0.33
EPS Next 2Y10.15%
EPS Next 3Y15.44%
5. SCR.PA Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 6.02%, SCR is a good candidate for dividend investing.
- SCR's Dividend Yield is a higher than the industry average which is at 4.21.
- SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.02% |
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
- 33.61% of the earnings are spent on dividend by SCR. This is a low number and sustainable payout ratio.
- SCR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.61%
EPS Next 2Y10.15%
EPS Next 3Y15.44%
SCR.PA Fundamentals: All Metrics, Ratios and Statistics
EPA:SCR (3/13/2026, 5:29:22 PM)
30
+0.2 (+0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-04 2026-03-04/bmo
Earnings (Next)05-06 2026-05-06/bmo
Inst Owners49.4%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.38B
Revenue(TTM)15.01B
Net Income(TTM)958.00M
Analysts76.84
Price Target31.91 (6.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.02% |
Yearly Dividend1.81
Dividend Growth(5Y)0.57%
DP33.61%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.16%
Min EPS beat(2)7.05%
Max EPS beat(2)9.26%
EPS beat(4)4
Avg EPS beat(4)14.82%
Min EPS beat(4)7.05%
Max EPS beat(4)34.36%
EPS beat(8)4
Avg EPS beat(8)-52.13%
EPS beat(12)7
Avg EPS beat(12)-21.47%
EPS beat(16)8
Avg EPS beat(16)-98.74%
Revenue beat(2)2
Avg Revenue beat(2)6.52%
Min Revenue beat(2)5.61%
Max Revenue beat(2)7.42%
Revenue beat(4)4
Avg Revenue beat(4)8.1%
Min Revenue beat(4)5.61%
Max Revenue beat(4)11.75%
Revenue beat(8)8
Avg Revenue beat(8)6.18%
Revenue beat(12)12
Avg Revenue beat(12)15.5%
Revenue beat(16)16
Avg Revenue beat(16)26.93%
PT rev (1m)0.4%
PT rev (3m)-0.35%
EPS NQ rev (1m)-0.83%
EPS NQ rev (3m)5.19%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)-0.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-13.34%
Revenue NY rev (1m)-10.2%
Revenue NY rev (3m)-10.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.06 | ||
| Fwd PE | 7.05 | ||
| P/S | 0.23 | ||
| P/FCF | 4.65 | ||
| P/OCF | 4.48 | ||
| P/B | 1.24 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.72
EY12.4%
EPS(NY)4.26
Fwd EY14.18%
FCF(TTM)6.45
FCFY21.5%
OCF(TTM)6.7
OCFY22.34%
SpS128.66
BVpS24.17
TBVpS19.24
PEG (NY)0.56
PEG (5Y)0.33
Graham Number44.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.71% | ||
| ROE | 22.1% | ||
| ROCE | 4.51% | ||
| ROIC | 3.32% | ||
| ROICexc | 3.52% | ||
| ROICexgc | 4.36% | ||
| OM | 6.88% | ||
| PM (TTM) | 4.15% | ||
| GM | N/A | ||
| FCFM | 5.01% |
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5Y23.19%
PM growth 3YN/A
PM growth 5Y32.9%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 14.69 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 120.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC6.07%
ROIC/WACC0.55
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)12301.15%
EPS 3YN/A
EPS 5Y24.18%
EPS Q2Q%-90.74%
EPS Next Y14.38%
EPS Next 2Y10.15%
EPS Next 3Y15.44%
EPS Next 5Y9.78%
Revenue 1Y (TTM)-5.78%
Revenue growth 3Y-3.35%
Revenue growth 5Y-2.58%
Sales Q2Q%-25.02%
Revenue Next Year0.98%
Revenue Next 2Y0.83%
Revenue Next 3Y2.88%
Revenue Next 5Y3.02%
EBIT growth 1Y48.87%
EBIT growth 3YN/A
EBIT growth 5Y20.01%
EBIT Next Year-14.33%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.11%
OCF growth 3YN/A
OCF growth 5YN/A
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 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 4 / 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 grow by 14.38% in the next year.