SCOR SE (SCR.PA)
FR0010411983 - Common Stock
Overall SCR gets a fundamental rating of 3 out of 10. We evaluated SCR against 36 industry peers in the Insurance industry. SCR has a bad profitability rating. Also its financial health evaluation is rather negative. SCR is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
SCR had positive earnings in the past year.
In the past year SCR had a positive cash flow from operations.
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
SCR's Return On Assets of -0.46% is on the low side compared to the rest of the industry. SCR is outperformed by 91.43% of its industry peers.
Looking at the Return On Equity, with a value of -3.34%, SCR is doing worse than 91.43% of the companies in the same industry.
The Return On Invested Capital of SCR (0.65%) is worse than 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.46% | ||
| ROE | -3.34% | ||
| ROIC | 0.65% |
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
In the last couple of years the Profit Margin of SCR has grown nicely.
With a Operating Margin value of 1.29%, SCR is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of SCR has grown nicely.
SCR does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.29% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y44.07%
OM growth 5Y17.46%
PM growth 3Y54.79%
PM growth 5Y19.9%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SCR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 2.52, which is a good value as it means it would take SCR, 2.52 years of fcf income to pay off all of its debts.
SCR's Debt to FCF ratio of 2.52 is fine compared to the rest of the industry. SCR outperforms 65.71% of its industry peers.
SCR has a Debt/Equity ratio of 0.73. This is a neutral value indicating SCR is somewhat dependend on debt financing.
SCR has a Debt to Equity ratio of 0.73. This is in the lower half of the industry: SCR underperforms 77.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | 2.52 | ||
| Altman-Z | N/A |
ROIC/WACC0.12
WACC5.48%
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 328.83% over the past year.
SCR shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.85% yearly.
SCR shows a decrease in Revenue. In the last year, the revenue decreased by -8.98%.
SCR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.35% yearly.
EPS 1Y (TTM)328.83%
EPS 3Y56.5%
EPS 5Y9.85%
EPS growth Q2Q153.95%
Revenue 1Y (TTM)-8.98%
Revenue growth 3Y-2.19%
Revenue growth 5Y0.35%
Revenue growth Q2Q-16.43%
3.2 Future
Based on estimates for the next years, SCR will show a decrease in Earnings Per Share. The EPS will decrease by -0.67% on average per year.
SCR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.92% yearly.
EPS Next Y-5.92%
EPS Next 2Y2.17%
EPS Next 3Y3.98%
EPS Next 5Y-0.67%
Revenue Next Year1.71%
Revenue Next 2Y2.56%
Revenue Next 3Y3.98%
Revenue Next 5Y-0.92%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.96, which indicates a rather cheap valuation of SCR.
SCR's Price/Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 85.71% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.20. SCR is valued rather cheaply when compared to this.
SCR is valuated cheaply with a Price/Forward Earnings ratio of 6.67.
80.00% of the companies in the same industry are more expensive than SCR, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.63. SCR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.96 | ||
| Fwd PE | 6.67 |
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 91.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.61
EPS Next 2Y2.17%
EPS Next 3Y3.98%
5. Dividend
5.1 Amount
SCR has a Yearly Dividend Yield of 6.15%, which is a nice return.
Compared to an average industry Dividend Yield of 5.28, SCR pays a bit more dividend than its industry peers.
SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.15% |
5.2 History
The dividend of SCR has a limited annual growth rate of 1.53%.
Dividend Growth(5Y)1.53%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The earnings of SCR are negative and hence is the payout ratio. SCR will probably not be able to sustain this dividend level.
DP-171.62%
EPS Next 2Y2.17%
EPS Next 3Y3.98%
SCOR SE
EPA:SCR (4/26/2024, 12:52:02 PM)
30.3
+0.04 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap5.44B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.15% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.96 | ||
| Fwd PE | 6.67 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.61
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.46% | ||
| ROE | -3.34% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 1.29% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.77
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)328.83%
EPS 3Y56.5%
EPS 5Y
EPS growth Q2Q
EPS Next Y-5.92%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.98%
Revenue growth 3Y-2.19%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y