SCR Stock Analysis: SCOR SE | PA
Insurance - Reinsurance | PA, France | Market Cap: 6.039m EUR | 12M Return: 30.2% | FR0010411983 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.2M
EPS Trend: 27.6%
Qual. Beats: 0
Rev. Trend: -79.2%
Qual. Beats: 2
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
SCOR SE is a Paris-based global reinsurer founded in 1956, operating in Europe, the Middle East, Africa, the Americas, Latin America, and Asia Pacific. Reinsurance functions as insurance for primary insurers, allowing them to cede portions of their underwriting risk to spread exposure and stabilize results. SCOR conducts its business through two main segments: SCOR P&C (Property & Casualty) and SCOR L&H (Life & Health).
The SCOR P&C segment offers a broad range of treaty and specialty reinsurance products covering property, motor, casualty, credit and surety, aviation, marine and energy, engineering, cyber, agricultural risks, as well as corporate risk insurance and political, credit, and environmental liability lines. The P&C reinsurance market is particularly exposed to natural catastrophe losses, which can drive significant year-to-year earnings volatility.
The SCOR L&H segment provides life reinsurance covering mortality, morbidity, disability, long-term care, critical illness, medical, and personal accident risks, alongside financial solutions and longevity products that help insurers and pension funds manage balance sheet, solvency, and longevity risk. SCOR also operates an asset management business, which supports the investment of its insurance reserves-a critical revenue source for reinsurers, as the float generated by technical reserves is invested in fixed income and other assets to generate additional income.
- Secondary peril catastrophe losses pressure P&C combined ratio
- Reinsurance pricing hardens after major catastrophe events supporting premium growth
- Higher investment yields boost portfolio income across segments
| Net Income: 823.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.91 > 1.0 |
| NWC/Revenue: 59.18% < 20% (prev 119.6%; Δ -60.46% < -1%) |
| CFO/TA 0.02 > 3% & CFO 846.0m > Net Income 823.0m |
| Net Debt (1.40b) to EBITDA (1.39b): 1.01 < 3 |
| Current Ratio: 57.64 > 1.5 & < 3 |
| Outstanding Shares: last quarter (178.1m) vs 12m ago -0.43% < -2% |
| Gross Margin: 20.96% > 18% (prev 17.32%; Δ 3.64% > 0.5%) |
| Asset Turnover: 43.64% > 50% (prev 46.71%; Δ -3.07% > 0%) |
| Interest Coverage Ratio: 8.77 > 6 (EBIT TTM 1.13b / Interest Expense TTM 129.0m) |
| A: 0.26 (Total Current Assets 9.51b - Total Current Liabilities 165.0m) / Total Assets 36.5b |
| B: 0.01 (Retained Earnings 397.0m / Total Assets 36.5b) |
| C: 0.03 (EBIT TTM 1.13b / Avg Total Assets 36.2b) |
| D: 0.14 (Book Value of Equity 4.41b / Total Liabilities 32.1b) |
| Altman-Z'' = 2.07 = BBB |
| DSRI: 1.31 (Receivables 7.41b/5.99b, Revenue 15.8b/16.7b) |
| GMI: 0.83 (GM 17.32% / 20.96%) |
| AQI: 1.76 (AQ_t 0.72 / AQ_t-1 0.41) |
| SGI: 0.94 (Revenue 15.8b / 16.7b) |
| TATA: -0.00 (NI 823.0m - CFO 846.0m) / TA 36.5b) |
| Beneish M = -2.52 (Cap -4..+1) = A |
As of September 01, 2026, the stock is trading at EUR 33.78 with a total of 241,849 shares traded. Over the past week, the price has changed by +0.60%, over one month by -1.52%, over three months by +11.56% and over the past year by +30.22%.
Current recommended Stop Loss: 32.70 (which is 3.2% or 2 ATR below the current price).
SCOR SE has no consensus analysts rating.
P/E Trailing = 7.4779
P/E Forward = 6.8966
P/S = 0.3962
P/B = 1.3627
P/EG = 0.4537
Revenue TTM = 15.8b EUR
EBIT TTM = 1.13b EUR
EBITDA TTM = 1.39b EUR
Long Term Debt = 3.23b EUR (from longTermDebt, last quarter)
Short Term Debt = 51.0m EUR (from shortTermDebt, last fiscal year)
Debt = 3.50b EUR (from shortLongTermDebtTotal, last quarter) + Leases 137.0m
Net Debt = 1.40b EUR (calculated: Debt 3.50b - CCE 2.10b)
Enterprise Value = 7.44b EUR (6.04b + Debt 3.50b - CCE 2.10b)
Interest Coverage Ratio = 8.77 (Ebit TTM 1.13b / Interest Expense TTM 129.0m)
EV/FCF = 9.15x (Enterprise Value 7.44b / FCF TTM 813.0m)
FCF Yield = 10.93% (FCF TTM 813.0m / Enterprise Value 7.44b)
FCF Margin = 5.15% (FCF TTM 813.0m / Revenue TTM 15.8b)
Net Margin = 5.21% (Net Income TTM 823.0m / Revenue TTM 15.8b)
Gross Margin = 20.96% ((Revenue TTM 15.8b - Cost of Revenue TTM 12.5b) / Revenue TTM)
Gross Margin QoQ = 23.82% (prev 19.64%)
Tobins Q-Ratio = 0.20 (Enterprise Value 7.44b / Total Assets 36.5b)
Interest Expense / Debt = 3.69% (Interest Expense 129.0m / Debt 3.50b)
Taxrate = 27.23% (308.0m / 1.13b)
NOPAT = 823.0m (EBIT 1.13b * (1 - 27.23%))
Current Ratio = 57.64 (Total Current Assets 9.51b / Total Current Liabilities 165.0m)
Debt / Equity = 0.79 (Debt 3.50b / totalStockholderEquity, last quarter 4.41b)
Debt / EBITDA = 1.01 (Net Debt 1.40b / EBITDA 1.39b)
Debt / FCF = 1.72 (Net Debt 1.40b / FCF TTM 813.0m)
Total Stockholder Equity = 4.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.27% (Net Income 823.0m / Total Assets 36.5b)
RoE = 18.58% (Net Income TTM 823.0m / Total Stockholder Equity 4.43b)
RoCE = 14.78% (EBIT 1.13b / Capital Employed (Equity 4.43b + L.T.Debt 3.23b))
RoIC = 2.31% (NOPAT 823.0m / Invested Capital 35.6b)
WACC = 5.32% (E(6.04b)/V(9.53b) * Re(6.85%) + D(3.50b)/V(9.53b) * Rd(3.69%) * (1-Tc(0.27)))
Discount Rate = 6.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -74.77 | Cagr: -0.22%
[DCF] Terminal Value 73.10% ; FCFF base≈937.0m ; Y1≈821.7m ; Y5≈663.9m
[DCF] Fair Price = 51.83 (EV 10.7b - Net Debt 1.40b = Equity 9.26b / Shares 178.7m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 27.64 | EPS CAGR: 20.66% | SUE: 0.22 | # QB: 0
Revenue Correlation: -79.23 | Revenue CAGR: -2.25% | SUE: 1.32 | # QB: 2
EPS current Quarter (2026-09-30): EPS=0.91 | Chg30d=-6.15% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=4.42 | Chg30d=-4.70% | Revisions=-44% | GrowthEPS=-6.6% | GrowthRev=-12.0%
EPS next Year (2027-12-31): EPS=4.57 | Chg30d=-1.66% | Revisions=+12% | GrowthEPS=+3.5% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: -27% (up=4, down=8)