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SCOR SE (SDRC.DE) Stock Fundamental Analysis

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

27.48  +0.34 (+1.25%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SDRC. SDRC was compared to 33 industry peers in the Insurance industry. Both the profitability and financial health of SDRC have multiple concerns. SDRC has a valuation in line with the averages, but on the other hand it scores bad on growth. SDRC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
SDRC had positive earnings in 4 of the past 5 years.
In the past 5 years SDRC always reported a positive cash flow from operatings.
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

The Return On Assets of SDRC (0.22%) is worse than 81.82% of its industry peers.
SDRC has a worse Return On Equity (1.83%) than 81.82% of its industry peers.
The Return On Invested Capital of SDRC (1.22%) is comparable to the rest of the industry.
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

SDRC's Profit Margin of 0.35% is on the low side compared to the rest of the industry. SDRC is outperformed by 84.85% of its industry peers.
SDRC's Profit Margin has declined in the last couple of years.
SDRC has a Operating Margin of 2.70%. This is amonst the worse of the industry: SDRC underperforms 84.85% of its industry peers.
SDRC's Operating Margin has declined in the last couple of years.
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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1

2. Health

2.1 Basic Checks

SDRC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
SDRC has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, SDRC has less shares outstanding
SDRC has a worse debt/assets ratio than last year.
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.
The Debt to FCF ratio of SDRC (4.06) is worse than 60.61% of its industry peers.
SDRC has a Debt/Equity ratio of 0.78. This is a neutral value indicating SDRC is somewhat dependend on debt financing.
The Debt to Equity ratio of SDRC (0.78) is worse than 69.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 4.06
Altman-Z N/A
ROIC/WACC0.2
WACC6.08%
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 -99.17% 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 -55.29% on average per year.
The Revenue has decreased by -2.04% 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)-99.17%
EPS 3Y-74.67%
EPS 5Y-55.29%
EPS Q2Q%43.96%
Revenue 1Y (TTM)-2.04%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%2.48%

3.2 Future

The Earnings Per Share is expected to grow by 151.34% on average over the next years. This is a very strong growth
SDRC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.72% yearly.
EPS Next Y10088.37%
EPS Next 2Y954.01%
EPS Next 3Y394.62%
EPS Next 5Y151.34%
Revenue Next Year4.33%
Revenue Next 2Y4.36%
Revenue Next 3Y3.72%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

SDRC is valuated quite expensively with a Price/Earnings ratio of 687.00.
Compared to the rest of the industry, the Price/Earnings ratio of SDRC indicates a rather expensive valuation: SDRC more expensive than 87.88% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.75, SDRC is valued quite expensively.
Based on the Price/Forward Earnings ratio of 6.74, the valuation of SDRC can be described as very cheap.
SDRC's Price/Forward Earnings ratio is rather cheap when compared to the industry. SDRC is cheaper than 96.97% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SDRC to the average of the S&P500 Index (20.49), we can say SDRC is valued rather cheaply.
Industry RankSector Rank
PE 687
Fwd PE 6.74
SDRC.DE Price Earnings VS Forward Price EarningsSDRC.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 200 400 600

4.2 Price Multiples

SDRC's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SDRC is cheaper than 87.88% of the companies in the same industry.
75.76% of the companies in the same industry are more expensive than SDRC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.63
EV/EBITDA 7.05
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

The 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 394.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y954.01%
EPS Next 3Y394.62%

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7

5. Dividend

5.1 Amount

SDRC has a Yearly Dividend Yield of 6.74%, which is a nice return.
Compared to an average industry Dividend Yield of 4.56, SDRC pays a better dividend. On top of this SDRC pays more dividend than 90.91% 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 2.44.
Industry RankSector Rank
Dividend Yield 6.74%

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

390.36% of the earnings are spent on dividend by SDRC. This is not a sustainable payout ratio.
The dividend of SDRC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP390.36%
EPS Next 2Y954.01%
EPS Next 3Y394.62%
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 (4/30/2025, 7:00:00 PM)

27.48

+0.34 (+1.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05 2025-03-05/bmo
Earnings (Next)05-07 2025-05-07/bmo
Inst Owners44.94%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap4.93B
Analysts77
Price Target30.03 (9.28%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.74%
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)-86.35%
Min EPS beat(2)-182.14%
Max EPS beat(2)9.44%
EPS beat(4)1
Avg EPS beat(4)-115.53%
Min EPS beat(4)-282.85%
Max EPS beat(4)9.44%
EPS beat(8)3
Avg EPS beat(8)-46.48%
EPS beat(12)4
Avg EPS beat(12)-136.84%
EPS beat(16)8
Avg EPS beat(16)-50.57%
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)8.01%
PT rev (3m)8.77%
EPS NQ rev (1m)-33.06%
EPS NQ rev (3m)-33.06%
EPS NY rev (1m)-0.92%
EPS NY rev (3m)-2.54%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)0.76%
Valuation
Industry RankSector Rank
PE 687
Fwd PE 6.74
P/S 0.21
P/FCF 5.63
P/OCF 5.46
P/B 1.09
P/tB 1.55
EV/EBITDA 7.05
EPS(TTM)0.04
EY0.15%
EPS(NY)4.08
Fwd EY14.83%
FCF(TTM)4.88
FCFY17.75%
OCF(TTM)5.03
OCFY18.32%
SpS132.27
BVpS25.22
TBVpS17.78
PEG (NY)0.07
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
WACC6.08%
ROIC/WACC0.2
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)-99.17%
EPS 3Y-74.67%
EPS 5Y-55.29%
EPS Q2Q%43.96%
EPS Next Y10088.37%
EPS Next 2Y954.01%
EPS Next 3Y394.62%
EPS Next 5Y151.34%
Revenue 1Y (TTM)-2.04%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%2.48%
Revenue Next Year4.33%
Revenue Next 2Y4.36%
Revenue Next 3Y3.72%
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%