SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
26.88 EUR
+0.04 (+0.15%)
Taking everything into account, SCR scores 4 out of 10 in our fundamental rating. SCR was compared to 47 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.
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 (1.74%) is better than 76.60% of its industry peers.
SCR's Return On Equity of 15.11% is fine compared to the rest of the industry. SCR outperforms 61.70% of its industry peers.
SCR has a Return On Invested Capital of 2.50%. This is in the better half of the industry: SCR outperforms 76.60% 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
Looking at the Profit Margin, with a value of 2.70%, SCR is doing worse than 78.72% of the companies in the same industry.
In the last couple of years the Profit Margin of SCR has declined.
SCR has a Operating Margin of 5.25%. This is in the lower half of the industry: SCR underperforms 72.34% of its industry peers.
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.
SCR has less shares outstanding than it did 5 years ago.
SCR has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.81 indicates that SCR is somewhat dependend on debt financing.
SCR has a Debt to Equity ratio (0.81) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.44
WACC5.66%
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 -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
SCR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 171.10% yearly.
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.
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
The Price/Earnings ratio is 5.49, which indicates a rather cheap valuation of SCR.
SCR's Price/Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 97.87% of the companies in the same industry.
SCR is valuated cheaply when we compare the Price/Earnings ratio to 25.65, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.15, the valuation of SCR can be described as very cheap.
SCR's Price/Forward Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 97.87% of the companies in the same industry.
SCR is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.45, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.49 | ||
| Fwd PE | 6.15 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 89.36% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.21 |
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 6.68%, which is a nice return.
Compared to an average industry Dividend Yield of 4.53, SCR pays a better dividend. On top of this SCR pays more dividend than 91.49% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, SCR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.68% |
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 (11/25/2025, 12:05:03 PM)
26.88
+0.04 (+0.15%)
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 Cap4.82B
Revenue(TTM)15.93B
Net Income(TTM)624.00M
Analysts76.67
Price Target31.89 (18.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.68% |
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)6.03%
EPS NQ rev (3m)13.79%
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 | 5.49 | ||
| Fwd PE | 6.15 | ||
| P/S | 0.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.17 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | 4.21 |
EPS(TTM)4.9
EY18.23%
EPS(NY)4.37
Fwd EY16.26%
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
WACC5.66%
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 5.49 and the Price/Book (PB) ratio is 1.17.
How financially healthy is SCOR SE?
The financial health rating of SCOR SE (SCR.PA) is 1 / 10.