SCOR SE (SDRC.DE) Stock Fundamental Analysis
Europe - FRA:SDRC - FR0010411983 - Common Stock
30.14 EUR
+0.12 (+0.4%)
Overall SDRC gets a fundamental rating of 4 out of 10. We evaluated SDRC against 40 industry peers in the Insurance industry. SDRC has a bad profitability rating. Also its financial health evaluation is rather negative. SDRC is valued quite cheap, while showing a decent growth score. This is a good combination! SDRC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SDRC was profitable.
Of the past 5 years SDRC 4 years were profitable.
SDRC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SDRC has a better Return On Assets (1.74%) than 75.00% of its industry peers.
SDRC has a Return On Equity of 15.11%. This is comparable to the rest of the industry: SDRC outperforms 60.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.40%, SDRC is in the better half of the industry, outperforming 72.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 15.11% | ||
| ROIC | 2.4% |
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
SDRC has a Profit Margin of 2.70%. This is amonst the worse of the industry: SDRC underperforms 80.00% of its industry peers.
SDRC's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 5.25%, SDRC is doing worse than 75.00% of the companies in the same industry.
SDRC's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.25% | ||
| PM (TTM) | 2.7% | ||
| 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), SDRC is destroying value.
The number of shares outstanding for SDRC remains at a similar level compared to 1 year ago.
SDRC has less shares outstanding than it did 5 years ago.
SDRC has a worse debt/assets ratio than last year.
2.2 Solvency
SDRC has a Debt/Equity ratio of 0.81. This is a neutral value indicating SDRC is somewhat dependend on debt financing.
SDRC has a Debt to Equity ratio of 0.81. This is in the lower half of the industry: SDRC underperforms 65.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.41
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 has grown by an impressive 172.97% over the past year.
SDRC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -57.79% yearly.
The Revenue has decreased by -6.34% in the past year.
SDRC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.88% yearly.
EPS 1Y (TTM)172.97%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%173.26%
Revenue 1Y (TTM)-6.34%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.18%
3.2 Future
The Earnings Per Share is expected to grow by 170.20% on average over the next years. This is a very strong growth
SDRC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.33% yearly.
EPS Next Y14370.98%
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
EPS Next 5Y170.2%
Revenue Next Year-5.77%
Revenue Next 2Y-1.6%
Revenue Next 3Y-0.98%
Revenue Next 5Y-0.33%
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 9.95, which indicates a very decent valuation of SDRC.
Based on the Price/Earnings ratio, SDRC is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of SDRC to the average of the S&P500 Index (27.86), we can say SDRC is valued rather cheaply.
A Price/Forward Earnings ratio of 6.88 indicates a rather cheap valuation of SDRC.
Based on the Price/Forward Earnings ratio, SDRC is valued cheaply inside the industry as 97.50% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, SDRC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.95 | ||
| Fwd PE | 6.88 |
4.2 Price Multiples
87.50% of the companies in the same industry are more expensive than SDRC, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.62 |
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.
SDRC's earnings are expected to grow with 437.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.01%, SDRC is a good candidate for dividend investing.
SDRC's Dividend Yield is rather good when compared to the industry average which is at 4.55. SDRC pays more dividend than 92.50% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, SDRC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
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
5.3 Sustainability
SDRC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP0%
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
FRA:SDRC (10/2/2025, 7:00:00 PM)
30.14
+0.12 (+0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners49.04%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap5.41B
Analysts76.67
Price Target31.57 (4.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
Yearly Dividend1.81
Dividend Growth(5Y)0.57%
DP0%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.81%
Min EPS beat(2)9.26%
Max EPS beat(2)34.36%
EPS beat(4)3
Avg EPS beat(4)-32.48%
Min EPS beat(4)-182.14%
Max EPS beat(4)34.36%
EPS beat(8)3
Avg EPS beat(8)-55.89%
EPS beat(12)6
Avg EPS beat(12)-35.39%
EPS beat(16)8
Avg EPS beat(16)-94.76%
Revenue beat(2)2
Avg Revenue beat(2)9.58%
Min Revenue beat(2)7.42%
Max Revenue beat(2)11.75%
Revenue beat(4)4
Avg Revenue beat(4)7.4%
Min Revenue beat(4)2.78%
Max Revenue beat(4)11.75%
Revenue beat(8)8
Avg Revenue beat(8)5.93%
Revenue beat(12)12
Avg Revenue beat(12)16.09%
Revenue beat(16)16
Avg Revenue beat(16)27.18%
PT rev (1m)-0.35%
PT rev (3m)1.54%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)-8.28%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)6.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-8.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.95 | ||
| Fwd PE | 6.88 | ||
| P/S | 0.23 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.31 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | 4.62 |
EPS(TTM)3.03
EY10.05%
EPS(NY)4.38
Fwd EY14.54%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS128.97
BVpS23.02
TBVpS18.09
PEG (NY)0
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 15.11% | ||
| ROCE | 3.4% | ||
| ROIC | 2.4% | ||
| ROICexc | 2.54% | ||
| ROICexgc | 3.15% | ||
| OM | 5.25% | ||
| PM (TTM) | 2.7% | ||
| GM | N/A | ||
| FCFM | N/A |
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-ScoreN/A
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 2.32 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC5.78%
ROIC/WACC0.41
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)172.97%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%173.26%
EPS Next Y14370.98%
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
EPS Next 5Y170.2%
Revenue 1Y (TTM)-6.34%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.18%
Revenue Next Year-5.77%
Revenue Next 2Y-1.6%
Revenue Next 3Y-0.98%
Revenue Next 5Y-0.33%
EBIT growth 1Y-13.9%
EBIT growth 3Y-22.86%
EBIT growth 5Y-12.97%
EBIT Next Year278.01%
EBIT Next 3Y62.25%
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%