SCOR SE (SDRC.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SDRC - FR0010411983 - Common Stock
26.72 EUR
+0.36 (+1.37%)
We assign a fundamental rating of 4 out of 10 to SDRC. SDRC was compared to 50 industry peers in the Insurance industry. Both the profitability and financial health of SDRC have multiple concerns. SDRC may be a bit undervalued, certainly considering the very reasonable score on growth Finally SDRC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SDRC had positive earnings in the past year.
SDRC had positive earnings in 4 of the past 5 years.
Each year in the past 5 years SDRC had a positive operating cash flow.
1.2 Ratios
SDRC's Return On Assets of 1.74% is fine compared to the rest of the industry. SDRC outperforms 68.00% of its industry peers.
SDRC's Return On Equity of 15.11% is in line compared to the rest of the industry. SDRC outperforms 54.00% of its industry peers.
SDRC has a Return On Invested Capital of 2.40%. This is in the better half of the industry: SDRC outperforms 70.00% of its industry peers.
| 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's Profit Margin of 2.70% is on the low side compared to the rest of the industry. SDRC is outperformed by 82.00% of its industry peers.
SDRC's Profit Margin has declined in the last couple of years.
SDRC has a Operating Margin of 5.25%. This is in the lower half of the industry: SDRC underperforms 78.00% of its industry peers.
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.
Compared to 5 years ago, SDRC has less shares outstanding
Compared to 1 year ago, SDRC has a worse debt to assets ratio.
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.
With a Debt to Equity ratio value of 0.81, SDRC is not doing good in the industry: 68.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.42
WACC5.65%
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 1461.11% over the past year.
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 -0.68% in the last year.
Measured over the past years, SDRC shows a decrease in Revenue. The Revenue has been decreasing by -0.88% on average per year.
EPS 1Y (TTM)1461.11%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%287.69%
Revenue 1Y (TTM)-0.68%
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 171.11% yearly.
The Revenue is expected to decrease by -0.37% on average over the next years.
EPS Next Y14949.98%
EPS Next 2Y1092.42%
EPS Next 3Y433.7%
EPS Next 5Y171.11%
Revenue Next Year-3.76%
Revenue Next 2Y-0.53%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.37%
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
SDRC is valuated cheaply with a Price/Earnings ratio of 5.45.
Compared to the rest of the industry, the Price/Earnings ratio of SDRC indicates a rather cheap valuation: SDRC is cheaper than 98.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.28. SDRC is valued rather cheaply when compared to this.
SDRC is valuated cheaply with a Price/Forward Earnings ratio of 6.26.
Based on the Price/Forward Earnings ratio, SDRC is valued cheaply inside the industry as 98.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, SDRC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.45 | ||
| Fwd PE | 6.26 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SDRC indicates a rather cheap valuation: SDRC is cheaper than 92.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.2 |
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 433.69% in the coming years.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1092.42%
EPS Next 3Y433.7%
5. Dividend
5.1 Amount
SDRC has a Yearly Dividend Yield of 6.75%, which is a nice return.
Compared to an average industry Dividend Yield of 4.38, SDRC pays a better dividend. On top of this SDRC pays more dividend than 90.00% 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 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.75% |
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 2Y1092.42%
EPS Next 3Y433.7%
FRA:SDRC (12/8/2025, 7:00:00 PM)
26.72
+0.36 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners50.14%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap4.79B
Revenue(TTM)15.93B
Net Income(TTM)624.00M
Analysts76.67
Price Target32.12 (20.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.75% |
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)-1.63%
PT rev (3m)-0.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.13%
EPS NY rev (1m)1.05%
EPS NY rev (3m)3.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)-0.44%
Revenue NY rev (3m)1.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.45 | ||
| Fwd PE | 6.26 | ||
| P/S | 0.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.16 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | 4.2 |
EPS(TTM)4.9
EY18.34%
EPS(NY)4.27
Fwd EY15.96%
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
Graham Number50.38
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
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-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
WACC5.65%
ROIC/WACC0.42
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 Y14949.98%
EPS Next 2Y1092.42%
EPS Next 3Y433.7%
EPS Next 5Y171.11%
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
Revenue Next Year-3.76%
Revenue Next 2Y-0.53%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.37%
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%
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.
Can you provide the valuation status for SCOR SE?
ChartMill assigns a valuation rating of 8 / 10 to SCOR SE (SDRC.DE). This can be considered as Undervalued.
What is the profitability of SDRC stock?
SCOR SE (SDRC.DE) has a profitability rating of 3 / 10.
What is the expected EPS growth for SCOR SE (SDRC.DE) stock?
The Earnings per Share (EPS) of SCOR SE (SDRC.DE) is expected to grow by 14949.98% in the next year.
Can you provide the dividend sustainability for SDRC stock?
The dividend rating of SCOR SE (SDRC.DE) is 7 / 10 and the dividend payout ratio is 0%.