SCOR SE (SCR.PA) Fundamental Analysis & Valuation

EPA:SCR • FR0010411983

Current stock price

30.35 EUR
+0.55 (+1.85%)
Last:

This SCR.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SCR.PA Profitability Analysis

1.1 Basic Checks

  • In the past year SCR was profitable.
  • SCR had a positive operating cash flow in the past year.
  • Of the past 5 years SCR 4 years were profitable.
  • SCR had a positive operating cash flow in 4 of the past 5 years.
SCR.PA Yearly Net Income VS EBIT VS OCF VS FCFSCR.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

1.2 Ratios

  • The Return On Assets of SCR (2.71%) is better than 70.21% 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 RankSector 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
SCR.PA Yearly ROA, ROE, ROICSCR.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20 -30

1.3 Margins

  • Looking at the Profit Margin, with a value of 4.15%, 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 grown nicely.
  • 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 RankSector 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
SCR.PA Yearly Profit, Operating, Gross MarginsSCR.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5

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2

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.
  • There is no outstanding debt for SCR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
SCR.PA Yearly Shares OutstandingSCR.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
SCR.PA Yearly Total Debt VS Total AssetsSCR.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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.
  • A Debt/Equity ratio of 0.80 indicates that SCR is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.80, SCR is not doing good in the industry: 68.09% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 3.01
Altman-Z N/A
ROIC/WACC0.55
WACC6.07%
SCR.PA Yearly LT Debt VS Equity VS FCFSCR.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SCR.PA Yearly Current Assets VS Current LiabilitesSCR.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SCR.PA Growth Analysis

3.1 Past

  • SCR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15766.67%, which is quite impressive.
  • SCR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 30.45% yearly.
  • Looking at the last year, SCR shows a decrease in Revenue. The Revenue has decreased by -5.78% in the last year.
  • SCR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.58% yearly.
EPS 1Y (TTM)15766.67%
EPS 3YN/A
EPS 5Y30.45%
EPS Q2Q%-10.77%
Revenue 1Y (TTM)-5.78%
Revenue growth 3Y-3.35%
Revenue growth 5Y-2.58%
Sales Q2Q%-9.61%

3.2 Future

  • Based on estimates for the next years, SCR will show a small growth in Earnings Per Share. The EPS will grow by 4.50% on average per year.
  • SCR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.02% yearly.
EPS Next Y-10.6%
EPS Next 2Y-2.62%
EPS Next 3Y6.34%
EPS Next 5Y4.51%
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.
  • 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.
SCR.PA Yearly Revenue VS EstimatesSCR.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
SCR.PA Yearly EPS VS EstimatesSCR.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0 2 4 6

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6

4. SCR.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.38, the valuation of SCR can be described as very cheap.
  • 95.74% of the companies in the same industry are more expensive than SCR, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.71. SCR is valued rather cheaply when compared to this.
  • SCR is valuated cheaply with a Price/Forward Earnings ratio of 7.13.
  • 95.74% 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 (23.83), we can say SCR is valued rather cheaply.
Industry RankSector Rank
PE 6.38
Fwd PE 7.13
SCR.PA Price Earnings VS Forward Price EarningsSCR.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • SCR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SCR is cheaper than 78.72% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.7
EV/EBITDA N/A
SCR.PA Per share dataSCR.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2Y-2.62%
EPS Next 3Y6.34%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. SCR.PA Dividend Analysis

5.1 Amount

  • SCR has a Yearly Dividend Yield of 6.38%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.14, SCR pays a better dividend. On top of this SCR pays more dividend than 89.36% 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 1.91.
Industry RankSector Rank
Dividend Yield 6.38%

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
SCR.PA Yearly Dividends per shareSCR.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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 2Y-2.62%
EPS Next 3Y6.34%
SCR.PA Yearly Income VS Free CF VS DividendSCR.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B
SCR.PA Dividend Payout.SCR.PA Dividend Payout, showing the Payout Ratio.SCR.PA Dividend Payout.PayoutRetained Earnings

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SCR.PA Fundamentals: All Metrics, Ratios and Statistics

SCOR SE

EPA:SCR (3/10/2026, 5:27:46 PM)

30.35

+0.55 (+1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-04
Earnings (Next)05-06
Inst Owners49.4%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.44B
Revenue(TTM)15.01B
Net Income(TTM)958.00M
Analysts76.84
Price Target31.91 (5.14%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.38%
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%
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 RankSector Rank
PE 6.38
Fwd PE 7.13
P/S 0.24
P/FCF 4.7
P/OCF 4.53
P/B 1.26
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)4.76
EY15.68%
EPS(NY)4.26
Fwd EY14.02%
FCF(TTM)6.45
FCFY21.25%
OCF(TTM)6.7
OCFY22.08%
SpS128.66
BVpS24.17
TBVpS19.24
PEG (NY)N/A
PEG (5Y)0.21
Graham Number50.88
Profitability
Industry RankSector 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 RankSector 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)15766.67%
EPS 3YN/A
EPS 5Y30.45%
EPS Q2Q%-10.77%
EPS Next Y-10.6%
EPS Next 2Y-2.62%
EPS Next 3Y6.34%
EPS Next 5Y4.51%
Revenue 1Y (TTM)-5.78%
Revenue growth 3Y-3.35%
Revenue growth 5Y-2.58%
Sales Q2Q%-9.61%
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 Fundamental Analysis 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 decline by -10.6% in the next year.