SCOR SE (SCR.PA) Stock Fundamental Analysis
EPA:SCR - Euronext Paris - Matif - FR0010411983 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to SCR. SCR was compared to 38 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
In the past year SCR was profitable.
In the past year SCR had a positive cash flow from operations.
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
The Return On Assets of SCR (0.22%) is worse than 84.21% of its industry peers.
SCR has a Return On Equity of 1.83%. This is amonst the worse of the industry: SCR underperforms 84.21% of its industry peers.
The Return On Invested Capital of SCR (1.27%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 1.83% | ||
| ROIC | 1.27% |
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
With a Profit Margin value of 0.35%, SCR is not doing good in the industry: 86.84% of the companies in the same industry are doing better.
SCR's Profit Margin has declined in the last couple of years.
SCR has a Operating Margin of 2.70%. This is amonst the worse of the industry: SCR underperforms 81.58% of its industry peers.
SCR's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.7% | ||
| PM (TTM) | 0.35% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SCR is destroying value.
Compared to 1 year ago, SCR has about the same amount of shares outstanding.
Compared to 5 years ago, SCR has less shares outstanding
Compared to 1 year ago, SCR has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SCR is 4.06, which is a neutral value as it means it would take SCR, 4.06 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SCR (4.06) is comparable to the rest of the industry.
SCR has a Debt/Equity ratio of 0.78. This is a neutral value indicating SCR is somewhat dependend on debt financing.
SCR's Debt to Equity ratio of 0.78 is on the low side compared to the rest of the industry. SCR is outperformed by 71.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 4.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.22
WACC5.7%
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 172.97% 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 -0.68% in the past year.
SCR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.88% yearly.
EPS 1Y (TTM)172.97%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%173.26%
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.18%
3.2 Future
SCR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 169.15% yearly.
Based on estimates for the next years, SCR will show a small growth in Revenue. The Revenue will grow by 0.87% on average per year.
EPS Next Y13484.5%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPS Next 5Y169.15%
Revenue Next Year-2.88%
Revenue Next 2Y0.47%
Revenue Next 3Y0.87%
Revenue Next 5YN/A
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
Based on the Price/Earnings ratio of 9.41, the valuation of SCR can be described as reasonable.
SCR's Price/Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 92.11% of the companies in the same industry.
When comparing the Price/Earnings ratio of SCR to the average of the S&P500 Index (26.87), we can say SCR is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.42, the valuation of SCR can be described as very cheap.
Based on the Price/Forward Earnings ratio, SCR is valued cheaply inside the industry as 94.74% of the companies are valued more expensively.
SCR is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.34, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.41 | ||
| Fwd PE | 6.42 |
4.2 Price Multiples
SCR's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SCR is cheaper than 89.47% 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 71.05% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.85 | ||
| EV/EBITDA | 7.25 |
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 444.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.22%, SCR is a good candidate for dividend investing.
SCR's Dividend Yield is rather good when compared to the industry average which is at 4.28. SCR pays more dividend than 89.47% of the companies in the same industry.
SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
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
390.36% of the earnings are spent on dividend by SCR. This is not a sustainable payout ratio.
SCR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP390.36%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPA:SCR (8/15/2025, 7:00:00 PM)
28.52
+0.1 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners47.28%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap5.12B
Analysts76.67
Price Target31.34 (9.89%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
Yearly Dividend1.81
Dividend Growth(5Y)0.57%
DP390.36%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-86.77%
Min EPS beat(2)-182.14%
Max EPS beat(2)8.6%
EPS beat(4)1
Avg EPS beat(4)-115.73%
Min EPS beat(4)-282.85%
Max EPS beat(4)8.6%
EPS beat(8)3
Avg EPS beat(8)-46.59%
EPS beat(12)4
Avg EPS beat(12)-136.91%
EPS beat(16)8
Avg EPS beat(16)-50.62%
Revenue beat(2)2
Avg Revenue beat(2)5.21%
Min Revenue beat(2)2.78%
Max Revenue beat(2)7.63%
Revenue beat(4)4
Avg Revenue beat(4)5.45%
Min Revenue beat(4)2.78%
Max Revenue beat(4)7.84%
Revenue beat(8)8
Avg Revenue beat(8)5.76%
Revenue beat(12)12
Avg Revenue beat(12)22.78%
Revenue beat(16)15
Avg Revenue beat(16)33.58%
PT rev (1m)0.44%
PT rev (3m)4.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)2.28%
Revenue NQ rev (3m)2.28%
Revenue NY rev (1m)-5.33%
Revenue NY rev (3m)-6.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.41 | ||
| Fwd PE | 6.42 | ||
| P/S | 0.22 | ||
| P/FCF | 5.85 | ||
| P/OCF | 5.66 | ||
| P/B | 1.13 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | 7.25 |
EPS(TTM)3.03
EY10.62%
EPS(NY)4.44
Fwd EY15.58%
FCF(TTM)4.88
FCFY17.11%
OCF(TTM)5.03
OCFY17.65%
SpS132.27
BVpS25.22
TBVpS17.78
PEG (NY)0
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 1.83% | ||
| ROCE | 1.73% | ||
| ROIC | 1.27% | ||
| ROICexc | 1.36% | ||
| ROICexgc | 1.65% | ||
| OM | 2.7% | ||
| PM (TTM) | 0.35% | ||
| GM | N/A | ||
| FCFM | 3.69% |
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
ROICexcg growth 3Y-11.91%
ROICexcg 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-Score4
Asset Turnover0.64
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 4.06 | ||
| Debt/EBITDA | 4.08 | ||
| Cap/Depr | 12.56% | ||
| Cap/Sales | 0.12% | ||
| Interest Coverage | 6.21 | ||
| Cash Conversion | 104.64% | ||
| Profit Quality | 1054.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC5.7%
ROIC/WACC0.22
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)172.97%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%173.26%
EPS Next Y13484.5%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPS Next 5Y169.15%
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.18%
Revenue Next Year-2.88%
Revenue Next 2Y0.47%
Revenue Next 3Y0.87%
Revenue Next 5YN/A
EBIT growth 1Y-72.09%
EBIT growth 3Y-22.86%
EBIT growth 5Y-12.97%
EBIT Next Year307.5%
EBIT Next 3YN/A
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%