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. Both the profitability and financial health of SCR have multiple concerns. SCR is valued correctly, 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.
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
SCR has a worse Return On Assets (0.22%) than 82.50% of its industry peers.
SCR has a worse Return On Equity (1.83%) than 82.50% of its industry peers.
With a Return On Invested Capital value of 1.27%, SCR perfoms like the industry average, outperforming 55.00% of the companies in the same 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
The Profit Margin of SCR (0.35%) is worse than 85.00% of its industry peers.
In the last couple of years the Profit Margin of SCR has declined.
SCR has a worse Operating Margin (2.70%) than 85.00% 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.
SCR has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for SCR has been reduced compared to 5 years ago.
SCR has a worse debt/assets ratio than last year.
2.2 Solvency
SCR has a debt to FCF ratio of 4.06. This is a neutral value as SCR would need 4.06 years to pay back of 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.
Looking at the Debt to Equity ratio, with a value of 0.78, SCR is doing worse than 72.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 4.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.22
WACC5.77%
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 -98.81%.
The earnings per share for SCR have been decreasing by -57.79% on average. This is quite bad
Looking at the last year, SCR shows a decrease in Revenue. The Revenue has decreased by -3.25% in the last year.
The Revenue has been decreasing by -0.88% on average over the past years.
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 170.11% on average per year.
Based on estimates for the next years, SCR will show a small growth in Revenue. The Revenue will grow by 3.02% on average per year.
EPS Next Y13484.5%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPS Next 5Y170.11%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 561.40, the valuation of SCR can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of SCR indicates a rather expensive valuation: SCR more expensive than 87.50% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SCR to the average of the S&P500 Index (26.86), we can say SCR is valued expensively.
SCR is valuated cheaply with a Price/Forward Earnings ratio of 6.32.
SCR's Price/Forward Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 100.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.43, SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 561.4 | ||
| Fwd PE | 6.32 |
4.2 Price Multiples
SCR's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SCR is cheaper than 90.00% of the companies in the same industry.
SCR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SCR is cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.75 | ||
| EV/EBITDA | 7.08 |
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
With a Yearly Dividend Yield of 6.43%, SCR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.54, SCR pays a better dividend. On top of this SCR pays more dividend than 92.50% of the companies listed in the same industry.
SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.43% |
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.
The dividend of SCR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP390.36%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPA:SCR (6/27/2025, 4:47:58 PM)
28.07
+0.47 (+1.7%)
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 Cap5.03B
Analysts76.84
Price Target31.2 (11.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.43% |
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 | 561.4 | ||
| Fwd PE | 6.32 | ||
| P/S | 0.21 | ||
| P/FCF | 5.75 | ||
| P/OCF | 5.58 | ||
| P/B | 1.11 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | 7.08 |
EPS(TTM)0.05
EY0.18%
EPS(NY)4.44
Fwd EY15.83%
FCF(TTM)4.88
FCFY17.38%
OCF(TTM)5.03
OCFY17.94%
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
WACC5.77%
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 5Y170.11%
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%