SCOR SE (SCR.PA) Stock Fundamental Analysis
EPA:SCR - Euronext Paris - Matif - FR0010411983 - Common Stock - Currency: EUR
Overall SCR gets a fundamental rating of 3 out of 10. We evaluated SCR against 40 industry peers in the Insurance industry. SCR may be in some trouble as it scores bad on both profitability and health. SCR has a valuation in line with the averages, but it does not seem to be growing. 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.
Of the past 5 years SCR 4 years were profitable.
Each year in the past 5 years SCR had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SCR (0.22%) is worse than 85.00% of its industry peers.
SCR's Return On Equity of 1.83% is on the low side compared to the rest of the industry. SCR is outperformed by 85.00% of its industry peers.
SCR has a Return On Invested Capital of 1.27%. This is comparable to the rest of the industry: SCR outperforms 55.00% of its industry peers.
| 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
SCR has a Profit Margin of 0.35%. This is amonst the worse of the industry: SCR underperforms 87.50% of its industry peers.
In the last couple of years the Profit Margin of SCR has declined.
SCR has a Operating Margin of 2.70%. This is amonst the worse of the industry: SCR underperforms 87.50% of its industry peers.
In the last couple of years the Operating Margin of SCR has declined.
| 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.
The number of shares outstanding for SCR remains at a similar level compared to 1 year ago.
SCR has less shares outstanding than it did 5 years ago.
SCR has a worse debt/assets ratio than last year.
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.
SCR has a Debt to FCF ratio (4.06) which is in line with its industry peers.
A Debt/Equity ratio of 0.78 indicates that SCR is somewhat dependend on debt financing.
SCR has a Debt to Equity ratio of 0.78. This is in the lower half of the industry: SCR underperforms 72.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 4.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.22
WACC5.78%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SCR have decreased strongly by -98.81% in the last 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.
SCR shows a decrease in Revenue. In the last year, the revenue decreased by -3.25%.
Measured over the past years, SCR shows a decrease in Revenue. The Revenue has been decreasing by -0.88% on average per year.
EPS 1Y (TTM)-98.81%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%1.82%
Revenue 1Y (TTM)-3.25%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-0.91%
3.2 Future
Based on estimates for the next years, SCR will show a very strong growth in Earnings Per Share. The EPS will grow by 169.15% 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 Y13484.5%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPS Next 5Y169.15%
Revenue Next Year2.59%
Revenue Next 2Y2.62%
Revenue Next 3Y3.02%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
The Price/Earnings ratio is 547.60, which means the current valuation is very expensive for SCR.
Compared to the rest of the industry, the Price/Earnings ratio of SCR indicates a rather expensive valuation: SCR more expensive than 90.00% of the companies listed in the same industry.
SCR is valuated expensively when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.16, the valuation of SCR can be described as very cheap.
Based on the Price/Forward Earnings ratio, SCR is valued cheaper than 97.50% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.70. SCR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 547.6 | ||
| Fwd PE | 6.16 |
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 87.50% of the companies listed 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 77.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.61 | ||
| EV/EBITDA | 7.1 |
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)0.04
PEG (5Y)N/A
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
5. Dividend
5.1 Amount
SCR has a Yearly Dividend Yield of 6.52%, which is a nice return.
SCR's Dividend Yield is rather good when compared to the industry average which is at 4.58. SCR pays more dividend than 90.00% of the companies in the same industry.
SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.52% |
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 390.36% of its income as dividend. 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 (7/2/2025, 5:35:30 PM)
27.38
-0.34 (-1.23%)
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 Cap4.91B
Analysts76.84
Price Target31.2 (13.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.52% |
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)2.65%
PT rev (3m)11.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-33.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.36%
Revenue NQ rev (1m)2.28%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 547.6 | ||
| Fwd PE | 6.16 | ||
| P/S | 0.21 | ||
| P/FCF | 5.61 | ||
| P/OCF | 5.44 | ||
| P/B | 1.09 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | 7.1 |
EPS(TTM)0.05
EY0.18%
EPS(NY)4.44
Fwd EY16.23%
FCF(TTM)4.88
FCFY17.82%
OCF(TTM)5.03
OCFY18.39%
SpS132.27
BVpS25.22
TBVpS17.78
PEG (NY)0.04
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
WACC5.78%
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)-98.81%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%1.82%
EPS Next Y13484.5%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPS Next 5Y169.15%
Revenue 1Y (TTM)-3.25%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-0.91%
Revenue Next Year2.59%
Revenue Next 2Y2.62%
Revenue Next 3Y3.02%
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%