SCOR SE (SDRC.DE) Stock Fundamental Analysis

FRA:SDRC • FR0010411983

30.34 EUR
-0.6 (-1.94%)
Last: Mar 2, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, SDRC scores 4 out of 10 in our fundamental rating. SDRC was compared to 46 industry peers in the Insurance industry. Both the profitability and financial health of SDRC have multiple concerns. SDRC scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally SDRC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • SDRC had positive earnings in the past year.
  • SDRC had a positive operating cash flow in the past year.
  • Of the past 5 years SDRC 4 years were profitable.
  • SDRC had a positive operating cash flow in each of the past 5 years.
SDRC.DE Yearly Net Income VS EBIT VS OCF VS FCFSDRC.DE 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

  • With a decent Return On Assets value of 2.71%, SDRC is doing good in the industry, outperforming 71.74% of the companies in the same industry.
  • SDRC has a better Return On Equity (22.10%) than 78.26% of its industry peers.
  • With a decent Return On Invested Capital value of 3.18%, SDRC is doing good in the industry, outperforming 76.09% of the companies in the same industry.
Industry RankSector Rank
ROA 2.71%
ROE 22.1%
ROIC 3.18%
ROA(3y)-0.63%
ROA(5y)-0.1%
ROE(3y)-4.88%
ROE(5y)-0.74%
ROIC(3y)N/A
ROIC(5y)N/A
SDRC.DE Yearly ROA, ROE, ROICSDRC.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

  • SDRC has a worse Profit Margin (4.15%) than 80.43% of its industry peers.
  • In the last couple of years the Profit Margin of SDRC has declined.
  • SDRC has a Operating Margin of 6.88%. This is in the lower half of the industry: SDRC underperforms 76.09% of its industry peers.
  • In the last couple of years the Operating Margin of SDRC has declined.
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
SDRC.DE Yearly Profit, Operating, Gross MarginsSDRC.DE 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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SDRC is destroying value.
  • The number of shares outstanding for SDRC remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for SDRC has been reduced compared to 5 years ago.
  • Compared to 1 year ago, SDRC has a worse debt to assets ratio.
SDRC.DE Yearly Shares OutstandingSDRC.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
SDRC.DE Yearly Total Debt VS Total AssetsSDRC.DE 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

  • The Debt to FCF ratio of SDRC is 3.01, which is a good value as it means it would take SDRC, 3.01 years of fcf income to pay off all of its debts.
  • SDRC has a Debt to FCF ratio of 3.01. This is comparable to the rest of the industry: SDRC outperforms 47.83% of its industry peers.
  • A Debt/Equity ratio of 0.80 indicates that SDRC is somewhat dependend on debt financing.
  • SDRC has a Debt to Equity ratio of 0.80. This is in the lower half of the industry: SDRC underperforms 67.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 3.01
Altman-Z N/A
ROIC/WACC0.54
WACC5.91%
SDRC.DE Yearly LT Debt VS Equity VS FCFSDRC.DE 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
SDRC.DE Yearly Current Assets VS Current LiabilitesSDRC.DE 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

  • SDRC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1461.11%, which is quite impressive.
  • The earnings per share for SDRC have been decreasing by -57.79% on average. This is quite bad
  • Looking at the last year, SDRC shows a decrease in Revenue. The Revenue has decreased by -4.19% in the last year.
  • The Revenue has been decreasing by -0.88% on average over the past years.
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

  • SDRC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 172.23% yearly.
  • SDRC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.55% yearly.
EPS Next Y15126.15%
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
EPS Next 5Y172.23%
Revenue Next Year-12.02%
Revenue Next 2Y-5.74%
Revenue Next 3Y-3.65%
Revenue Next 5Y-0.55%

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.
SDRC.DE Yearly Revenue VS EstimatesSDRC.DE 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
SDRC.DE Yearly EPS VS EstimatesSDRC.DE 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

  • Based on the Price/Earnings ratio of 6.19, the valuation of SDRC can be described as very cheap.
  • Based on the Price/Earnings ratio, SDRC is valued cheaply inside the industry as 95.65% of the companies are valued more expensively.
  • SDRC is valuated cheaply when we compare the Price/Earnings ratio to 27.13, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 7.11 indicates a rather cheap valuation of SDRC.
  • Based on the Price/Forward Earnings ratio, SDRC is valued cheaply inside the industry as 97.83% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 28.11. SDRC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.19
Fwd PE 7.11
SDRC.DE Price Earnings VS Forward Price EarningsSDRC.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SDRC is valued cheaper than 95.65% of the companies in the same industry.
  • SDRC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SDRC is cheaper than 73.91% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.7
EV/EBITDA 3.86
SDRC.DE Per share dataSDRC.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • SDRC'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 SDRC'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%

More info and screens

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

8

5. Dividend

5.1 Amount

  • SDRC has a Yearly Dividend Yield of 5.92%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.03, SDRC pays a better dividend. On top of this SDRC pays more dividend than 86.96% of the companies listed in the same industry.
  • SDRC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.92%

5.2 History

  • The dividend of SDRC has a limited annual growth rate of 0.57%.
Dividend Growth(5Y)0.57%
Div Incr Years1
Div Non Decr Years1
SDRC.DE Yearly Dividends per shareSDRC.DE Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 1 2 3

5.3 Sustainability

  • 33.61% of the earnings are spent on dividend by SDRC. This is a low number and sustainable payout ratio.
  • SDRC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.61%
EPS Next 2Y1092.92%
EPS Next 3Y434.51%
SDRC.DE Yearly Income VS Free CF VS DividendSDRC.DE 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
SDRC.DE Dividend Payout.SDRC.DE Dividend Payout, showing the Payout Ratio.SDRC.DE Dividend Payout.PayoutRetained Earnings

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SCOR SE

FRA:SDRC (3/2/2026, 7:00:00 PM)

30.34

-0.6 (-1.94%)

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 Cap5.44B
Revenue(TTM)23.08B
Net Income(TTM)958.00M
Analysts76.84
Price Target31.91 (5.17%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.92%
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)-0.64%
PT rev (3m)0.8%
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)-8.58%
Revenue NY rev (3m)-8.98%
Valuation
Industry RankSector Rank
PE 6.19
Fwd PE 7.11
P/S 0.24
P/FCF 4.7
P/OCF 4.53
P/B 1.26
P/tB 1.58
EV/EBITDA 3.86
EPS(TTM)4.9
EY16.15%
EPS(NY)4.27
Fwd EY14.07%
FCF(TTM)6.45
FCFY21.26%
OCF(TTM)6.7
OCFY22.09%
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 3.18%
ROICexc 3.37%
ROICexgc 4.17%
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
WACC5.91%
ROIC/WACC0.54
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-12.02%
Revenue Next 2Y-5.74%
Revenue Next 3Y-3.65%
Revenue Next 5Y-0.55%
EBIT growth 1Y48.87%
EBIT growth 3Y-22.86%
EBIT growth 5Y-12.97%
EBIT Next Year317.65%
EBIT Next 3Y49.84%
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 / SDRC.DE FAQ

What is the ChartMill fundamental rating of SCOR SE (SDRC.DE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to SDRC.DE.


What is the valuation status for SDRC stock?

ChartMill assigns a valuation rating of 9 / 10 to SCOR SE (SDRC.DE). This can be considered as Undervalued.


Can you provide the profitability details for SCOR SE?

SCOR SE (SDRC.DE) has a profitability rating of 3 / 10.


Can you provide the financial health for SDRC stock?

The financial health rating of SCOR SE (SDRC.DE) is 2 / 10.


Is the dividend of SCOR SE sustainable?

The dividend rating of SCOR SE (SDRC.DE) is 8 / 10 and the dividend payout ratio is 33.61%.