SCOR SE (SDRC.DE) Stock Fundamental Analysis
FRA:SDRC - FR0010411983 - Common Stock
27.64 EUR
+0.22 (+0.8%)
Overall SDRC gets a fundamental rating of 4 out of 10. We evaluated SDRC against 38 industry peers in the Insurance industry. SDRC may be in some trouble as it scores bad on both profitability and health. 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.
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 has a better Return On Assets (1.74%) than 68.42% of its industry peers.
With a Return On Equity value of 15.11%, SDRC perfoms like the industry average, outperforming 55.26% of the companies in the same industry.
SDRC has a Return On Invested Capital of 2.40%. This is in the better half of the industry: SDRC outperforms 73.68% 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 has a Profit Margin of 2.70%. This is amonst the worse of the industry: SDRC underperforms 86.84% 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 78.95% of the companies in the same industry.
In the last couple of years the Operating Margin of SDRC has declined.
| 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
A Debt/Equity ratio of 0.81 indicates that SDRC is somewhat dependend on debt financing.
The Debt to Equity ratio of SDRC (0.81) is worse than 71.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.43
WACC5.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SDRC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 172.97%, which is quite impressive.
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.
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)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
SDRC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 174.10% yearly.
SDRC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.47% yearly.
EPS Next Y14377.17%
EPS Next 2Y1109.74%
EPS Next 3Y437.3%
EPS Next 5Y174.1%
Revenue Next Year-5.63%
Revenue Next 2Y-1.6%
Revenue Next 3Y-0.6%
Revenue Next 5Y-0.47%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
Based on the Price/Earnings ratio of 9.12, the valuation of SDRC can be described as reasonable.
Based on the Price/Earnings ratio, SDRC is valued cheaply inside the industry as 94.74% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.02. SDRC is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 6.30 indicates a rather cheap valuation of SDRC.
Based on the Price/Forward Earnings ratio, SDRC is valued cheaply inside the industry as 97.37% of the companies are valued more expensively.
SDRC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.66.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.12 | ||
| Fwd PE | 6.3 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SDRC is valued cheaper than 92.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.31 |
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.
A more expensive valuation may be justified as SDRC's earnings are expected to grow with 437.30% in the coming years.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1109.74%
EPS Next 3Y437.3%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.52%, SDRC is a good candidate for dividend investing.
SDRC's Dividend Yield is rather good when compared to the industry average which is at 4.48. SDRC pays more dividend than 89.47% of the companies in the same industry.
SDRC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.52% |
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 2Y1109.74%
EPS Next 3Y437.3%
FRA:SDRC (9/8/2025, 7:00:00 PM)
27.64
+0.22 (+0.8%)
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 Cap4.96B
Analysts76.67
Price Target32.28 (16.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.52% |
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)3.41%
PT rev (3m)3.82%
EPS NQ rev (1m)-2.06%
EPS NQ rev (3m)-33.41%
EPS NY rev (1m)6.57%
EPS NY rev (3m)6.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.84%
Revenue NY rev (3m)-8.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.12 | ||
| Fwd PE | 6.3 | ||
| P/S | 0.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.2 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | 4.31 |
EPS(TTM)3.03
EY10.96%
EPS(NY)4.39
Fwd EY15.88%
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
WACC5.55%
ROIC/WACC0.43
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 Y14377.17%
EPS Next 2Y1109.74%
EPS Next 3Y437.3%
EPS Next 5Y174.1%
Revenue 1Y (TTM)-6.34%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.18%
Revenue Next Year-5.63%
Revenue Next 2Y-1.6%
Revenue Next 3Y-0.6%
Revenue Next 5Y-0.47%
EBIT growth 1Y-13.9%
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%