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SCOR SE (SDRC.DE) Stock Fundamental Analysis

FRA:SDRC - Deutsche Boerse Ag - FR0010411983 - Common Stock - Currency: EUR

28.76  -0.26 (-0.9%)

Fundamental Rating

3

SDRC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 37 industry peers in the Insurance industry. SDRC may be in some trouble as it scores bad on both profitability and health. SDRC is valued correctly, but it does not seem to be growing. SDRC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SDRC was profitable.
SDRC had a positive operating cash flow in the past year.
Of the past 5 years SDRC 4 years were profitable.
Each year in the past 5 years SDRC had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B

1.2 Ratios

With a Return On Assets value of 0.22%, SDRC is not doing good in the industry: 81.08% of the companies in the same industry are doing better.
SDRC has a worse Return On Equity (1.83%) than 81.08% of its industry peers.
SDRC's Return On Invested Capital of 1.22% is in line compared to the rest of the industry. SDRC outperforms 56.76% of its industry peers.
Industry RankSector Rank
ROA 0.22%
ROE 1.83%
ROIC 1.22%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

The Profit Margin of SDRC (0.35%) is worse than 83.78% of its industry peers.
SDRC's Profit Margin has declined in the last couple of years.
The Operating Margin of SDRC (2.70%) is worse than 83.78% of its industry peers.
In the last couple of years the Operating Margin of SDRC has declined.
Industry RankSector 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
SDRC.DE Yearly Profit, Operating, Gross MarginsSDRC.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

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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.
Compared to 1 year ago, SDRC has about the same amount of shares outstanding.
The number of shares outstanding for SDRC has been reduced compared to 5 years ago.
The debt/assets ratio for SDRC is higher compared to a year ago.
SDRC.DE Yearly Shares OutstandingSDRC.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

SDRC has a debt to FCF ratio of 4.06. This is a neutral value as SDRC would need 4.06 years to pay back of all of its debts.
SDRC 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 SDRC is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.78, SDRC is not doing good in the industry: 67.57% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 4.06
Altman-Z N/A
ROIC/WACC0.21
WACC5.77%
SDRC.DE Yearly LT Debt VS Equity VS FCFSDRC.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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3

3. Growth

3.1 Past

The earnings per share for SDRC have decreased strongly by -98.81% in the last year.
Measured over the past years, SDRC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -57.79% on average per year.
SDRC shows a decrease in Revenue. In the last year, the revenue decreased by -3.25%.
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

SDRC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 166.22% yearly.
Based on estimates for the next years, SDRC 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 5Y166.22%
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.
SDRC.DE Yearly Revenue VS EstimatesSDRC.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B
SDRC.DE Yearly EPS VS EstimatesSDRC.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0 2 4

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 575.20 indicates a quite expensive valuation of SDRC.
Based on the Price/Earnings ratio, SDRC is valued more expensive than 86.49% of the companies in the same industry.
SDRC is valuated expensively when we compare the Price/Earnings ratio to 26.19, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.47 indicates a rather cheap valuation of SDRC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SDRC indicates a rather cheap valuation: SDRC is cheaper than 97.30% of the companies listed in the same industry.
SDRC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 575.2
Fwd PE 6.47
SDRC.DE Price Earnings VS Forward Price EarningsSDRC.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400 500

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 89.19% of the companies listed in the same industry.
SDRC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SDRC is cheaper than 75.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.9
EV/EBITDA 7.32
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 444.40% in the coming years.
PEG (NY)0.04
PEG (5Y)N/A
EPS Next 2Y1117.07%
EPS Next 3Y444.4%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.29%, SDRC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.50, SDRC pays a better dividend. On top of this SDRC pays more dividend than 89.19% 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 2.40.
Industry RankSector Rank
Dividend Yield 6.29%

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

SDRC pays out 390.36% of its income as dividend. This is not a sustainable payout ratio.
SDRC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP390.36%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
SDRC.DE Yearly Income VS Free CF VS DividendSDRC.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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 (5/28/2025, 7:00:00 PM)

28.76

-0.26 (-0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-07 2025-05-07/bmo
Earnings (Next)07-31 2025-07-31/bmo
Inst Owners44.94%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap5.16B
Analysts74.74
Price Target30.42 (5.77%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.29%
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)2.06%
PT rev (3m)8.81%
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)-1.67%
Revenue NY rev (3m)-1.39%
Valuation
Industry RankSector Rank
PE 575.2
Fwd PE 6.47
P/S 0.22
P/FCF 5.9
P/OCF 5.71
P/B 1.14
P/tB 1.62
EV/EBITDA 7.32
EPS(TTM)0.05
EY0.17%
EPS(NY)4.44
Fwd EY15.45%
FCF(TTM)4.88
FCFY16.96%
OCF(TTM)5.03
OCFY17.51%
SpS132.27
BVpS25.22
TBVpS17.78
PEG (NY)0.04
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.22%
ROE 1.83%
ROCE 1.73%
ROIC 1.22%
ROICexc 1.3%
ROICexgc 1.58%
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 RankSector 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/WACC0.21
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 5Y166.22%
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%