SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - EPA:SCR - FR0010411983 - Common Stock
27.86 EUR
+0.14 (+0.51%)
Taking everything into account, SCR scores 4 out of 10 in our fundamental rating. SCR was compared to 39 industry peers in the Insurance industry. SCR may be in some trouble as it scores bad on both profitability and 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.
Of the past 5 years SCR 4 years were profitable.
In the past 5 years SCR always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.74%, SCR is in the better half of the industry, outperforming 71.79% of the companies in the same industry.
The Return On Equity of SCR (15.11%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 2.50%, SCR is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
| 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
The Profit Margin of SCR (2.70%) is worse than 84.62% of its industry peers.
In the last couple of years the Profit Margin of SCR has declined.
With a Operating Margin value of 5.25%, SCR is not doing good in the industry: 79.49% of the companies in the same industry are doing better.
SCR's Operating Margin has declined in the last couple of years.
| 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
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.
The debt/assets ratio for SCR is higher compared to a year ago.
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.
SCR has a worse Debt to Equity ratio (0.81) than 64.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.43
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.
The earnings per share for SCR have been decreasing by -57.79% on average. This is quite bad
SCR shows a decrease in Revenue. In the last year, the revenue decreased by -0.68%.
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)-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 171.10% on average over the next years. This is a very strong growth
Based on estimates for the next years, SCR will show a decrease in Revenue. The Revenue will decrease by -0.37% on average per year.
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
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
The Price/Earnings ratio is 5.69, which 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 97.44% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SCR to the average of the S&P500 Index (25.89), we can say SCR is valued rather cheaply.
SCR is valuated cheaply with a Price/Forward Earnings ratio of 6.37.
Based on the Price/Forward Earnings ratio, SCR is valued cheaper than 97.44% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.69 | ||
| Fwd PE | 6.37 |
4.2 Price Multiples
89.74% 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 | 4.32 |
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.
A more expensive valuation may be justified as SCR's earnings are expected to grow with 439.43% in the coming years.
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 6.78%, which is a nice return.
Compared to an average industry Dividend Yield of 4.62, SCR pays a better dividend. On top of this SCR pays more dividend than 92.31% 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 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.78% |
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
The dividend of SCR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP0%
EPS Next 2Y1107.18%
EPS Next 3Y439.43%
EPA:SCR (11/14/2025, 7:00:00 PM)
27.86
+0.14 (+0.51%)
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 Cap5.00B
Revenue(TTM)15.93B
Net Income(TTM)624.00M
Analysts76.67
Price Target32.85 (17.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.78% |
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)4.54%
PT rev (3m)5.31%
EPS NQ rev (1m)16.06%
EPS NQ rev (3m)11.47%
EPS NY rev (1m)2.92%
EPS NY rev (3m)9.64%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)2.58%
Revenue NY rev (3m)-0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.69 | ||
| Fwd PE | 6.37 | ||
| P/S | 0.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.21 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | 4.32 |
EPS(TTM)4.9
EY17.59%
EPS(NY)4.37
Fwd EY15.69%
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
WACC5.75%
ROIC/WACC0.43
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 5.69 and the Price/Book (PB) ratio is 1.21.
How financially healthy is SCOR SE?
The financial health rating of SCOR SE (SCR.PA) is 1 / 10.