(SCR) SCOR SE - Overview
Sector: Financial Services | Industry: Insurance - Reinsurance | Exchange: PA (France) | Market Cap: 5.878m EUR | Total Return: 17.6% in 12m
Avg Turnover: 17.2M
EPS Trend: 21.6%
Qual. Beats: 0
Rev. Trend: -49.8%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
SCOR SE is a global reinsurance provider headquartered in France, operating through two primary divisions: SCOR P&C (Property and Casualty) and SCOR L&H (Life and Health). The P&C segment covers diverse risks including motor, aviation, cyber, and environmental liability, while the L&H segment manages mortality, morbidity, and longevity risks. The company also maintains an asset management arm to invest the premiums collected from its reinsurance activities.
The reinsurance business model functions as insurance for insurance companies, allowing primary insurers to transfer large-scale or catastrophic risks to maintain solvency. As a Tier 1 global reinsurer, SCOR relies on geographic diversification and sophisticated actuarial modeling to price tail-risk events across different regulatory environments. Investors can further evaluate these technical underwriting margins and capital allocation strategies on ValueRay.
Incorporated in 1956, SCOR serves a broad international client base across Europe, the Americas, and the Asia Pacific region. Its financial solutions extend beyond traditional risk transfer to include liquidity and balance sheet optimization for primary insurers facing stringent capital requirements.
- Elevated natural catastrophe claims volatility impacts Property and Casualty underwriting margins
- Life and Health technical results fluctuate based on mortality and morbidity trends
- Rising interest rates enhance reinvestment yields on the global investment portfolio
- Solvency II ratio stability influences dividend capacity and share buyback potential
- Reserve strengthening requirements for US casualty lines pressure long-term net income targets
| Net Income: 875.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 2.38 > 1.0 |
| NWC/Revenue: 130.4% < 20% (prev 151.8%; Δ -21.35% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.13b > Net Income 875.0m |
| Net Debt (2.52b) to EBITDA (1.57b): 1.60 < 3 |
| Current Ratio: 133.1 > 1.5 & < 3 |
| Outstanding Shares: last quarter (178.6m) vs 12m ago -0.09% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 45.49% > 50% (prev 38.27%; Δ 7.22% > 0%) |
| Interest Coverage Ratio: 39.88 > 6 (EBITDA TTM 1.57b / Interest Expense TTM 33.0m) |
| A: 0.60 (Total Current Assets 22.0b - Total Current Liabilities 165.0m) / Total Assets 36.1b |
| B: 0.02 (Retained Earnings 851.0m / Total Assets 36.1b) |
| C: 0.04 (EBIT TTM 1.32b / Avg Total Assets 36.7b) |
| D: 0.07 (Book Value of Equity 2.26b / Total Liabilities 31.7b) |
| Altman-Z'' = 4.35 = AA |
As of May 23, 2026, the stock is trading at EUR 32.10 with a total of 562,309 shares traded.
Over the past week, the price has changed by +0.13%,
over one month by +5.15%,
over three months by +15.16% and
over the past year by +17.63%.
SCOR SE has no consensus analysts rating.
P/E Trailing = 7.0299
P/E Forward = 8.058
P/S = 0.3701
P/B = 1.2615
P/EG = 0.5945
Revenue TTM = 16.7b EUR
EBIT TTM = 1.32b EUR
EBITDA TTM = 1.57b EUR
Long Term Debt = 3.43b EUR (from longTermDebt, last fiscal year)
Short Term Debt = 51.0m EUR (from shortTermDebt, last fiscal year)
Debt = 3.70b EUR (from shortLongTermDebtTotal, last fiscal year) + Leases 137.0m
Net Debt = 2.52b EUR (calculated: Debt 3.70b - CCE 1.19b)
Enterprise Value = 8.39b EUR (5.88b + Debt 3.70b - CCE 1.19b)
Interest Coverage Ratio = 39.88 (Ebit TTM 1.32b / Interest Expense TTM 33.0m)
EV/FCF = 7.97x (Enterprise Value 8.39b / FCF TTM 1.05b)
FCF Yield = 12.54% (FCF TTM 1.05b / Enterprise Value 8.39b)
FCF Margin = 6.30% (FCF TTM 1.05b / Revenue TTM 16.7b)
Net Margin = 5.24% (Net Income TTM 875.0m / Revenue TTM 16.7b)
Gross Margin = unknown ((Revenue TTM 16.7b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.23 (Enterprise Value 8.39b / Total Assets 36.1b)
Interest Expense / Debt = 0.89% (Interest Expense 33.0m / Debt 3.70b)
Taxrate = 28.06% (332.0m / 1.18b)
NOPAT = 946.7m (EBIT 1.32b * (1 - 28.06%))
Current Ratio = 1.00 (Total Current Assets 22.0b / Total Current Liabilities 21.9b)
Debt / Equity = 0.84 (Debt 3.70b / totalStockholderEquity, last fiscal year 4.43b)
Debt / EBITDA = 1.60 (Net Debt 2.52b / EBITDA 1.57b)
Debt / FCF = 2.39 (Net Debt 2.52b / FCF TTM 1.05b)
Total Stockholder Equity = 4.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.38% (Net Income 875.0m / Total Assets 36.1b)
RoE = 20.03% (Net Income TTM 875.0m / Total Stockholder Equity 4.37b)
RoCE = 16.88% (EBIT 1.32b / Capital Employed (Equity 4.37b + L.T.Debt 3.43b))
RoIC = 2.63% (NOPAT 946.7m / Invested Capital 36.0b)
WACC = 4.97% (E(5.88b)/V(9.58b) * Re(7.69%) + D(3.70b)/V(9.58b) * Rd(0.89%) * (1-Tc(0.28)))
Discount Rate = 7.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -58.43 | Cagr: -3.31%
[DCF] Terminal Value 77.97% ; FCFF base≈711.4m ; Y1≈815.5m ; Y5≈1.20b
[DCF] Fair Price = 87.01 (EV 18.1b - Net Debt 2.52b = Equity 15.5b / Shares 178.7m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 21.64 | EPS CAGR: 15.48% | SUE: 0.22 | # QB: 0
Revenue Correlation: -49.80 | Revenue CAGR: -3.68% | SUE: 1.67 | # QB: 1
EPS current Quarter (2026-06-30): EPS=1.08 | Chg30d=-7.13% | Revisions=+0% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.78 | Chg30d=-12.00% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=4.30 | Chg30d=+1.39% | Revisions=+50% | GrowthEPS=-9.1% | GrowthRev=-18.3%
EPS next Year (2027-12-31): EPS=4.47 | Chg30d=-0.15% | Revisions=+25% | GrowthEPS=+4.0% | GrowthRev=+18.3%
[Analyst] Revisions Ratio: +50%