SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
27.04 EUR
+0.14 (+0.52%)
SCR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. SCR has a medium profitability rating, but doesn't score so well on its financial health evaluation. SCR may be a bit undervalued, certainly considering the very reasonable score on growth Finally SCR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- SCR had positive earnings in the past year.
- SCR had a positive operating cash flow in the past year.
- SCR had positive earnings in 4 of the past 5 years.
- In the past 5 years SCR always reported a positive cash flow from operatings.
1.2 Ratios
- With a decent Return On Assets value of 2.71%, SCR is doing good in the industry, outperforming 75.00% of the companies in the same industry.
- SCR's Return On Equity of 22.10% is amongst the best of the industry. SCR outperforms 83.33% of its industry peers.
- With a decent Return On Invested Capital value of 3.32%, SCR is doing good in the industry, outperforming 79.17% of the companies in the same industry.
| 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 Profit Margin of 4.15%. This is amonst the worse of the industry: SCR underperforms 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 75.00% of the companies in the same industry.
- In the last couple of years the Operating Margin of SCR has declined.
| 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's Debt to FCF ratio of 3.01 is in line compared to the rest of the industry. SCR outperforms 47.92% of 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.
- The Debt to Equity ratio of SCR (0.80) is worse than 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACC0.58
WACC5.76%
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.
- SCR shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -57.79% yearly.
- 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
- The Earnings Per Share is expected to grow by 170.33% on average over the next years. This is a very strong growth
- The Revenue is expected to decrease by -0.66% on average over the next years.
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.
- 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
- A Price/Earnings ratio of 5.52 indicates a rather cheap valuation of SCR.
- Based on the Price/Earnings ratio, SCR is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- SCR is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 6.30, the valuation of SCR can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 100.00% of the companies listed in the same industry.
- SCR is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.52 | ||
| Fwd PE | 6.3 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SCR is valued cheaper than 93.75% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of SCR indicates a somewhat cheap valuation: SCR is cheaper than 79.17% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.19 | ||
| EV/EBITDA | 3.46 |
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
- With a Yearly Dividend Yield of 6.42%, SCR is a good candidate for dividend investing.
- SCR's Dividend Yield is rather good when compared to the industry average which is at 4.19. SCR pays more dividend than 91.67% of the companies in the same industry.
- SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.42% |
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 2Y1095.64%
EPS Next 3Y434.72%
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.