SCOR SE (SCR.PA) Stock Fundamental Analysis
EPA:SCR - Euronext Paris - Matif - FR0010411983 - Common Stock - Currency: EUR
Taking everything into account, SCR scores 3 out of 10 in our fundamental rating. SCR was compared to 33 industry peers in the Insurance industry. Both the profitability and financial health of SCR have multiple concerns. SCR has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
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.
Of the past 5 years SCR 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SCR (1.53%) is better than 72.73% of its industry peers.
The Return On Equity of SCR (12.09%) is worse than 66.67% of its industry peers.
SCR has a Return On Invested Capital of 3.05%. This is amongst the best in the industry. SCR outperforms 84.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 12.09% | ||
| ROIC | 3.05% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 2.19%, SCR is doing worse than 81.82% of the companies in the same industry.
SCR's Profit Margin has declined in the last couple of years.
SCR has a worse Operating Margin (5.93%) than 75.76% of its industry peers.
SCR's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.93% | ||
| PM (TTM) | 2.19% | ||
| GM | N/A |
OM growth 3Y-13.4%
OM growth 5Y-7.94%
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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
The Debt to FCF ratio of SCR is 2.13, which is a good value as it means it would take SCR, 2.13 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.13, SCR is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
SCR has a Debt/Equity ratio of 0.72. This is a neutral value indicating SCR is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.72, SCR is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
Although SCR does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 2.13 | ||
| Altman-Z | N/A |
ROIC/WACC0.53
WACC5.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SCR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -99.17%.
The earnings per share for SCR have been decreasing by -55.29% on average. This is quite bad
Looking at the last year, SCR shows a decrease in Revenue. The Revenue has decreased by -0.56% in the last year.
Measured over the past years, SCR shows a decrease in Revenue. The Revenue has been decreasing by -0.90% on average per year.
EPS 1Y (TTM)-99.17%
EPS 3Y-74.67%
EPS 5Y-55.29%
EPS Q2Q%43.96%
Revenue 1Y (TTM)-0.56%
Revenue growth 3Y-3.64%
Revenue growth 5Y-0.9%
Sales Q2Q%2.48%
3.2 Future
The Earnings Per Share is expected to grow by 153.41% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by -0.93% on average over the next years.
EPS Next Y10125.34%
EPS Next 2Y953%
EPS Next 3Y374.16%
EPS Next 5Y153.41%
Revenue Next Year4.04%
Revenue Next 2Y5.84%
Revenue Next 3Y-0.93%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 698.00 indicates a quite expensive valuation of SCR.
Based on the Price/Earnings ratio, SCR is valued more expensive than 87.88% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.07, SCR is valued quite expensively.
Based on the Price/Forward Earnings ratio of 6.83, the valuation of SCR can be described as very cheap.
Based on the Price/Forward Earnings ratio, SCR is valued cheaper than 96.97% of the companies in the same industry.
SCR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.05.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 698 | ||
| Fwd PE | 6.83 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 93.94% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.32 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as SCR's earnings are expected to grow with 374.16% in the coming years.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y953%
EPS Next 3Y374.16%
5. Dividend
5.1 Amount
SCR has a Yearly Dividend Yield of 6.82%, which is a nice return.
Compared to an average industry Dividend Yield of 4.64, SCR pays a better dividend. On top of this SCR pays more dividend than 87.88% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, SCR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.82% |
5.2 History
The dividend of SCR decreases each year by -3.46%.
Dividend Growth(5Y)-3.46%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
59.89% of the earnings are spent on dividend by SCR. This is a bit on the high side, but may be sustainable.
DP59.89%
EPS Next 2Y953%
EPS Next 3Y374.16%
EPA:SCR (3/26/2025, 5:36:15 PM)
27.92
-0.2 (-0.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners44.94%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap5.01B
Analysts76.84
Price Target27.87 (-0.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.82% |
Yearly Dividend1.42
Dividend Growth(5Y)-3.46%
DP59.89%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-144.7%
Min EPS beat(2)-282.85%
Max EPS beat(2)-6.55%
EPS beat(4)0
Avg EPS beat(4)-79.3%
Min EPS beat(4)-282.85%
Max EPS beat(4)-4.76%
EPS beat(8)3
Avg EPS beat(8)-36.84%
EPS beat(12)5
Avg EPS beat(12)-115.52%
EPS beat(16)9
Avg EPS beat(16)-22.41%
Revenue beat(2)2
Avg Revenue beat(2)5.7%
Min Revenue beat(2)3.55%
Max Revenue beat(2)7.84%
Revenue beat(4)4
Avg Revenue beat(4)4.47%
Min Revenue beat(4)2.82%
Max Revenue beat(4)7.84%
Revenue beat(8)8
Avg Revenue beat(8)20.44%
Revenue beat(12)12
Avg Revenue beat(12)33.78%
Revenue beat(16)15
Avg Revenue beat(16)40.29%
PT rev (1m)0%
PT rev (3m)2.27%
EPS NQ rev (1m)-6.56%
EPS NQ rev (3m)-6.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 698 | ||
| Fwd PE | 6.83 | ||
| P/S | 0.2 | ||
| P/FCF | 3.32 | ||
| P/OCF | 3.28 | ||
| P/B | 1.12 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.04
EY0.14%
EPS(NY)4.09
Fwd EY14.65%
FCF(TTM)8.4
FCFY30.09%
OCF(TTM)8.52
OCFY30.53%
SpS137.7
BVpS24.94
TBVpS20.03
PEG (NY)0.07
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 12.09% | ||
| ROCE | 4.15% | ||
| ROIC | 3.05% | ||
| ROICexc | 3.2% | ||
| ROICexgc | 4.02% | ||
| OM | 5.93% | ||
| PM (TTM) | 2.19% | ||
| GM | N/A | ||
| FCFM | 6.1% |
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-13.4%
OM growth 5Y-7.94%
PM growth 3Y-78.6%
PM growth 5Y-60.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.7
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 2.13 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.09% | ||
| Interest Coverage | 14.64 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 278.56% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC5.75%
ROIC/WACC0.53
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)-99.17%
EPS 3Y-74.67%
EPS 5Y-55.29%
EPS Q2Q%43.96%
EPS Next Y10125.34%
EPS Next 2Y953%
EPS Next 3Y374.16%
EPS Next 5Y153.41%
Revenue 1Y (TTM)-0.56%
Revenue growth 3Y-3.64%
Revenue growth 5Y-0.9%
Sales Q2Q%2.48%
Revenue Next Year4.04%
Revenue Next 2Y5.84%
Revenue Next 3Y-0.93%
Revenue Next 5YN/A
EBIT growth 1Y951.16%
EBIT growth 3Y-16.55%
EBIT growth 5Y-8.76%
EBIT Next Year307.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y43.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.37%
OCF growth 3YN/A
OCF growth 5YN/A