SCOR SE (SDRC.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SDRC - FR0010411983 - Common Stock
28.22 EUR
-0.08 (-0.28%)
SDRC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 46 industry peers in the Insurance industry. Both the profitability and financial health of SDRC have multiple concerns. 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.
- Of the past 5 years SDRC 4 years were profitable.
- In the past 5 years SDRC always reported a positive cash flow from operatings.
1.2 Ratios
- SDRC has a Return On Assets of 1.74%. This is in the better half of the industry: SDRC outperforms 67.39% of its industry peers.
- SDRC has a Return On Equity (15.11%) which is comparable to the rest of the industry.
- SDRC has a better Return On Invested Capital (2.40%) than 69.57% 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
- Looking at the Profit Margin, with a value of 2.70%, SDRC is doing worse than 84.78% of the companies in the same industry.
- SDRC's Profit Margin has declined in the last couple of years.
- SDRC has a Operating Margin of 5.25%. This is amonst the worse of the industry: SDRC underperforms 80.43% 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
- SDRC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, SDRC has about the same amount of shares outstanding.
- Compared to 5 years ago, SDRC has less shares outstanding
- The debt/assets ratio for SDRC is higher compared to a year ago.
2.2 Solvency
- A Debt/Equity ratio of 0.81 indicates that SDRC is somewhat dependend on debt financing.
- SDRC has a worse Debt to Equity ratio (0.81) than 69.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.42
WACC5.76%
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.
- 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.
- Looking at the last year, SDRC shows a decrease in Revenue. The Revenue has decreased by -0.68% in the last year.
- SDRC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.88% yearly.
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
- Based on estimates for the next years, SDRC will show a very strong growth in Earnings Per Share. The EPS will grow by 171.11% on average per year.
- Based on estimates for the next years, SDRC will show a decrease in Revenue. The Revenue will decrease by -0.37% on average per year.
EPS Next Y15045.52%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPS Next 5Y171.11%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.37%
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 5.76, which indicates a rather cheap valuation of SDRC.
- Based on the Price/Earnings ratio, SDRC is valued cheaply inside the industry as 97.83% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, SDRC is valued rather cheaply.
- SDRC is valuated cheaply with a Price/Forward Earnings ratio of 6.58.
- Based on the Price/Forward Earnings ratio, SDRC is valued cheaper than 97.83% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of SDRC to the average of the S&P500 Index (24.31), we can say SDRC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.76 | ||
| Fwd PE | 6.58 |
4.2 Price Multiples
- 91.30% 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 | 4.39 |
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.
- SDRC's earnings are expected to grow with 434.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.26%, SDRC is a good candidate for dividend investing.
- SDRC's Dividend Yield is rather good when compared to the industry average which is at 3.93. SDRC pays more dividend than 89.13% of the companies in the same industry.
- SDRC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.26% |
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 2Y1095.64%
EPS Next 3Y434.72%
FRA:SDRC (1/15/2026, 7:00:00 PM)
28.22
-0.08 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)03-02 2026-03-02/amc
Inst Owners50.12%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.06B
Revenue(TTM)15.93B
Net Income(TTM)624.00M
Analysts76.67
Price Target32.12 (13.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.26% |
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)1.46%
PT rev (3m)1.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.06%
EPS NY rev (1m)0.63%
EPS NY rev (3m)4.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.76 | ||
| Fwd PE | 6.58 | ||
| P/S | 0.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.23 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | 4.39 |
EPS(TTM)4.9
EY17.36%
EPS(NY)4.29
Fwd EY15.2%
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
WACC5.76%
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 Y15045.52%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
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-3.77%
Revenue Next 2Y-0.54%
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.
What is the valuation status for SDRC stock?
ChartMill assigns a valuation rating of 8 / 10 to SCOR SE (SDRC.DE). This can be considered as Undervalued.
Can you provide the profitability details for SCOR SE?
SCOR SE (SDRC.DE) has a profitability rating of 3 / 10.
Can you provide the financial health for SDRC stock?
The financial health rating of SCOR SE (SDRC.DE) is 1 / 10.
Is the dividend of SCOR SE sustainable?
The dividend rating of SCOR SE (SDRC.DE) is 7 / 10 and the dividend payout ratio is 0%.