SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
28.02 EUR
-0.52 (-1.82%)
Taking everything into account, SCR scores 4 out of 10 in our fundamental rating. SCR was compared to 46 industry peers in the Insurance industry. While SCR is still in line with the averages on profitability rating, there are concerns on its financial health. SCR is valued quite cheap, while showing a decent growth score. This is a good combination! Finally SCR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SCR was profitable.
In the past year SCR had a positive cash flow from operations.
SCR had positive earnings in 4 of the past 5 years.
SCR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of SCR (2.71%) is better than 71.74% of its industry peers.
Looking at the Return On Equity, with a value of 22.10%, SCR belongs to the top of the industry, outperforming 82.61% of the companies in the same industry.
SCR's Return On Invested Capital of 3.32% is fine compared to the rest of the industry. SCR outperforms 78.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.71% | ||
| ROE | 22.1% | ||
| ROIC | 3.32% |
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
Looking at the Profit Margin, with a value of 4.15%, SCR is doing worse than 82.61% of the companies in the same industry.
SCR's Profit Margin has declined in the last couple of years.
SCR has a worse Operating Margin (6.88%) than 73.91% of its industry peers.
SCR's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.88% | ||
| PM (TTM) | 4.15% | ||
| 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.
SCR has a worse debt/assets ratio than last year.
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.
SCR has a Debt to FCF ratio (3.01) which is in line with its industry peers.
SCR has a Debt/Equity ratio of 0.80. This is a neutral value indicating 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 67.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACC0.57
WACC5.84%
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 -4.19%.
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)-4.19%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
3.2 Future
Based on estimates for the next years, SCR will show a very strong growth in Earnings Per Share. The EPS will grow by 170.33% on average per year.
Based on estimates for the next years, SCR will show a decrease in Revenue. The Revenue will decrease by -0.66% on average per year.
EPS Next Y15045.52%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPS Next 5Y170.33%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.66%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 5.72 indicates a rather cheap valuation of SCR.
Compared to the rest of the industry, the Price/Earnings ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 97.83% of the companies listed in the same industry.
SCR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
With a Price/Forward Earnings ratio of 6.53, the valuation of SCR can be described as very cheap.
97.83% of the companies in the same industry are more expensive than SCR, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of SCR to the average of the S&P500 Index (24.04), we can say SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.72 | ||
| Fwd PE | 6.53 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SCR is valued cheaply inside the industry as 93.48% of the companies are valued more expensively.
80.43% of the companies in the same industry are more expensive than SCR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.34 | ||
| EV/EBITDA | 3.62 |
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 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 6.37%, which is a nice return.
SCR's Dividend Yield is rather good when compared to the industry average which is at 3.93. SCR pays more dividend than 91.30% of the companies in the same industry.
SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
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 2Y1095.64%
EPS Next 3Y434.72%
EPA:SCR (1/13/2026, 7:00:00 PM)
28.02
-0.52 (-1.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners50.12%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.03B
Revenue(TTM)23.08B
Net Income(TTM)958.00M
Analysts76.67
Price Target32.02 (14.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
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%
PT rev (3m)1.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.42%
EPS NY rev (1m)0.63%
EPS NY rev (3m)4.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.62%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.72 | ||
| Fwd PE | 6.53 | ||
| P/S | 0.22 | ||
| P/FCF | 4.34 | ||
| P/OCF | 4.18 | ||
| P/B | 1.16 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | 3.62 |
EPS(TTM)4.9
EY17.49%
EPS(NY)4.29
Fwd EY15.31%
FCF(TTM)6.45
FCFY23.02%
OCF(TTM)6.7
OCFY23.92%
SpS128.66
BVpS24.17
TBVpS19.24
PEG (NY)0
PEG (5Y)N/A
Graham Number51.62
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)-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-Score7
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Debt/EBITDA | 1.92 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 14.69 | ||
| Cash Conversion | 66.41% | ||
| Profit Quality | 120.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC5.84%
ROIC/WACC0.57
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 5Y170.33%
Revenue 1Y (TTM)-4.19%
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-0.66%
EBIT growth 1Y48.87%
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-10.38%
FCF growth 3Y-27.74%
FCF growth 5Y4.24%
OCF growth 1Y-10.16%
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 for SCR stock?
ChartMill assigns a valuation rating of 9 / 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 15045.52% in the next year.