SCOR SE (SCR.PA) Stock Fundamental Analysis

EPA:SCR • FR0010411983

29.6 EUR
-0.16 (-0.54%)
Last: Feb 23, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall SCR gets a fundamental rating of 4 out of 10. We evaluated SCR against 46 industry peers in the Insurance industry. SCR has a medium profitability rating, but doesn't score so well on its financial health evaluation. SCR is valued quite cheap, while showing a decent growth score. This is a good combination! Finally SCR also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

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.
  • 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.
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 0 1B -1B 2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.71%, SCR is in the better half of the industry, outperforming 71.74% of the companies in the same industry.
  • With an excellent Return On Equity value of 22.10%, SCR belongs to the best of the industry, outperforming 82.61% of the companies in the same industry.
  • SCR has a Return On Invested Capital of 3.32%. This is in the better half of the industry: SCR outperforms 78.26% of its industry peers.
Industry RankSector 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
SCR.PA Yearly ROA, ROE, ROICSCR.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

  • SCR has a worse Profit Margin (4.15%) than 80.43% of its industry peers.
  • In the last couple of years the Profit Margin of SCR has declined.
  • Looking at the Operating Margin, with a value of 6.88%, SCR is doing worse than 71.74% of the companies in the same industry.
  • SCR's Operating Margin has declined in the last couple of years.
Industry RankSector 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
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 0 5 -5

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
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

  • 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 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.
  • SCR's Debt to Equity ratio of 0.80 is on the low side compared to the rest of the industry. SCR is outperformed by 67.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 3.01
Altman-Z N/A
ROIC/WACC0.57
WACC5.86%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 1461.11% over the past year.
  • 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 -4.19%.
  • SCR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.88% yearly.
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 172.23% on average over the next years. This is a very strong growth
  • The Revenue is expected to decrease by -0.55% on average over the next years.
EPS Next Y15126.15%
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
EPS Next 5Y172.23%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.55%

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.
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

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.04 indicates a rather cheap valuation of SCR.
  • 97.83% of the companies in the same industry are more expensive than SCR, based on the Price/Earnings ratio.
  • SCR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • Based on the Price/Forward Earnings ratio of 6.93, the valuation of SCR can be described as very cheap.
  • 100.00% of the companies in the same industry are more expensive than SCR, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.75, SCR is valued rather cheaply.
Industry RankSector Rank
PE 6.04
Fwd PE 6.93
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 93.48% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, SCR is valued a bit cheaper than 76.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.59
EV/EBITDA 3.74
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

  • 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 434.51% in the coming years.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1092.92%
EPS Next 3Y434.51%

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

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.20%, SCR is a good candidate for dividend investing.
  • SCR's Dividend Yield is rather good when compared to the industry average which is at 4.18. SCR pays more dividend than 86.96% of the companies in the same industry.
  • SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 6.2%

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 1 2 3

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 2Y1092.92%
EPS Next 3Y434.51%
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 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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Find the best dividend stocksShow peers with best dividend

SCOR SE

EPA:SCR (2/23/2026, 7:00:00 PM)

29.6

-0.16 (-0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-31
Earnings (Next)03-04
Inst Owners50.12%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.31B
Revenue(TTM)23.08B
Net Income(TTM)958.00M
Analysts76.84
Price Target31.79 (7.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.2%
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)-1.4%
PT rev (3m)-0.32%
EPS NQ rev (1m)5.19%
EPS NQ rev (3m)2.22%
EPS NY rev (1m)0%
EPS NY rev (3m)2.23%
Revenue NQ rev (1m)-6.29%
Revenue NQ rev (3m)-13.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.44%
Valuation
Industry RankSector Rank
PE 6.04
Fwd PE 6.93
P/S 0.23
P/FCF 4.59
P/OCF 4.42
P/B 1.22
P/tB 1.54
EV/EBITDA 3.74
EPS(TTM)4.9
EY16.55%
EPS(NY)4.27
Fwd EY14.42%
FCF(TTM)6.45
FCFY21.79%
OCF(TTM)6.7
OCFY22.64%
SpS128.66
BVpS24.17
TBVpS19.24
PEG (NY)0
PEG (5Y)N/A
Graham Number51.62
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)-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-Score7
Asset Turnover0.65
Health
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 3.01
Debt/EBITDA 1.92
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 14.69
Cash Conversion 66.41%
Profit Quality 120.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.86%
ROIC/WACC0.57
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 Y15126.15%
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
EPS Next 5Y172.23%
Revenue 1Y (TTM)-4.19%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.55%
EBIT growth 1Y48.87%
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-10.38%
FCF growth 3Y-27.74%
FCF growth 5Y4.24%
OCF growth 1Y-10.16%
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 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 15126.15% in the next year.