SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
27.24 EUR
+0.04 (+0.15%)
We assign a fundamental rating of 4 out of 10 to SCR. SCR was compared to 48 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
- 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.
- Each year in the past 5 years SCR had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 2.71%, SCR is doing good in the industry, outperforming 68.75% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 22.10%, SCR belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
- SCR has a Return On Invested Capital of 3.32%. This is in the better half of the industry: SCR outperforms 77.08% 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
- SCR has a worse Profit Margin (4.15%) than 83.33% of its industry peers.
- SCR's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 6.88%, SCR is doing worse than 72.92% of the companies in the same industry.
- 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.
- SCR has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for SCR has been reduced compared to 5 years ago.
- Compared to 1 year ago, SCR has a worse debt to assets ratio.
2.2 Solvency
- SCR has a debt to FCF ratio of 3.01. This is a good value and a sign of high solvency as SCR would need 3.01 years to pay back of 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 worse Debt to Equity ratio (0.80) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACC0.58
WACC5.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 1461.11% over the past year.
- SCR shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -57.79% yearly.
- The Revenue has decreased by -4.19% in the past year.
- Measured over the past years, SCR shows a decrease in Revenue. The Revenue has been decreasing by -0.88% on average per year.
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
- The Earnings Per Share is expected to grow by 170.33% 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 -0.66% yearly.
EPS Next Y15126.15%
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- SCR is valuated cheaply with a Price/Earnings ratio of 5.56.
- 97.92% of the companies in the same industry are more expensive than SCR, based on the Price/Earnings ratio.
- SCR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.39.
- A Price/Forward Earnings ratio of 6.38 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 97.92% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.72. SCR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.56 | ||
| Fwd PE | 6.38 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SCR is valued cheaply inside the industry as 91.67% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, SCR is valued a bit cheaper than 79.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.22 | ||
| EV/EBITDA | 3.48 |
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 434.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
5. Dividend
5.1 Amount
- SCR has a Yearly Dividend Yield of 6.69%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.17, SCR pays a better dividend. On top of this SCR pays more dividend than 89.58% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, SCR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.69% |
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 pays out 33.61% of its income as dividend. This is a sustainable payout ratio.
- The dividend of SCR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.61%
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
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 15126.15% in the next year.