SCOR SE (SDRC.DE) Stock Fundamental Analysis
Europe - FRA:SDRC - FR0010411983 - Common Stock
26.34 EUR
+0.08 (+0.3%)
Overall SDRC gets a fundamental rating of 4 out of 10. We evaluated SDRC against 39 industry peers in the Insurance industry. SDRC has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on SDRC. 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
Looking at the Return On Assets, with a value of 1.74%, SDRC is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.11%, SDRC is in the better half of the industry, outperforming 61.54% of the companies in the same industry.
The Return On Invested Capital of SDRC (2.40%) is better than 74.36% 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 in the lower half of the industry: SDRC underperforms 79.49% of its industry peers.
In the last couple of years the Profit Margin of SDRC has declined.
SDRC has a worse Operating Margin (5.25%) than 74.36% of its industry peers.
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
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.
SDRC has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.81 indicates that 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 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.42
WACC5.64%
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 1155.82% over the past 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.
The Revenue has decreased by -0.68% 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)1155.82%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%118.61%
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-24.78%
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
Based on estimates for the next years, SDRC will show a decrease in Revenue. The Revenue will decrease by -0.33% on average per year.
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
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.
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
The Price/Earnings ratio is 6.93, which indicates a rather cheap valuation of SDRC.
SDRC's Price/Earnings ratio is rather cheap when compared to the industry. SDRC is cheaper than 97.44% of the companies in the same industry.
When comparing the Price/Earnings ratio of SDRC to the average of the S&P500 Index (25.67), we can say SDRC is valued rather cheaply.
A Price/Forward Earnings ratio of 6.01 indicates a rather cheap valuation of SDRC.
SDRC's Price/Forward Earnings ratio is rather cheap when compared to the industry. SDRC is cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SDRC to the average of the S&P500 Index (31.86), we can say SDRC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.93 | ||
| Fwd PE | 6.01 |
4.2 Price Multiples
89.74% 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 | 4.14 |
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 437.15% in the coming years.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
5. Dividend
5.1 Amount
SDRC has a Yearly Dividend Yield of 5.96%, which is a nice return.
SDRC's Dividend Yield is rather good when compared to the industry average which is at 4.51. SDRC pays more dividend than 92.31% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, SDRC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
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
The dividend of SDRC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP0%
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
FRA:SDRC (11/6/2025, 7:00:00 PM)
26.34
+0.08 (+0.3%)
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 Cap4.72B
Revenue(TTM)15.93B
Net Income(TTM)624.00M
Analysts76.67
Price Target32.65 (23.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
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)1.16%
PT rev (3m)4.61%
EPS NQ rev (1m)16.06%
EPS NQ rev (3m)11.47%
EPS NY rev (1m)0%
EPS NY rev (3m)6.53%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.93 | ||
| Fwd PE | 6.01 | ||
| P/S | 0.2 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.14 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | 4.14 |
EPS(TTM)3.8
EY14.43%
EPS(NY)4.38
Fwd EY16.63%
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 Number44.37
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
WACC5.64%
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)1155.82%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%118.61%
EPS Next Y14370.98%
EPS Next 2Y1108.45%
EPS Next 3Y437.15%
EPS Next 5Y170.2%
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-24.78%
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%
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 14370.98% 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%.