SCR Stock Analysis: SCOR SE | PA
Insurance - Reinsurance | PA, France | Market Cap: 5.935m EUR | 12M Return: 18.7% | FR0010411983 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 15.7M
EPS Trend: 27.6%
Qual. Beats: 0
Rev. Trend: -79.2%
Qual. Beats: 2
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 global reinsurer headquartered in Paris, France, operating through two core segments: SCOR P&C (property and casualty) and SCOR L&H (life and health). The P&C segment covers a broad range of risks including property, motor, casualty treaties, credit and surety, aviation, marine and energy, engineering, cyber, and agricultural lines, along with specialty offerings such as political risk and environmental liability. The L&H segment offers reinsurance for mortality, morbidity, disability, long-term care, critical illness, medical, and personal accident, in addition to financial and longevity solutions. The company also engages in asset management activities to support its underwriting operations.
The reinsurance industry serves as a risk-transfer mechanism in which primary insurers cede portions of their policy portfolios to reinsurers to limit exposure to large losses, stabilize earnings, and expand underwriting capacity. Reinsurers like SCOR typically operate across multiple geographic regions to diversify risk pools, with P&C and Life & Health representing the two principal lines of the global reinsurance market.
- Natural catastrophe losses pressure P&C combined ratio
- L&H mortality and longevity margins expand with aging demographics
- Solvency II capital rules tighten reinsurance reserve requirements
| 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 October 17, 2026, the stock is trading at EUR 33.76 with a total of 381,939 shares traded. Over the past week, the price has changed by +5.76%, over one month by +2.61%, over three months by +3.49% and over the past year by +18.67%.
Current recommended Stop Loss: 32.80 (which is 2.8% or 1.6 ATR below the current price).
SCOR SE has no consensus analysts rating.
P/E Trailing = 7.4652
P/E Forward = 6.6225
P/S = 0.3894
P/B = 1.3035
P/EG = 0.4358
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 = 7.33b EUR (5.94b + Debt 3.50b - CCE 2.10b)
Interest Coverage Ratio = 8.77 (Ebit TTM 1.13b / Interest Expense TTM 129.0m)
EV/FCF = 9.02x (Enterprise Value 7.33b / FCF TTM 813.0m)
FCF Yield = 11.09% (FCF TTM 813.0m / Enterprise Value 7.33b)
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 7.33b / 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 = 5.17% (E(5.94b)/V(9.43b) * Re(6.63%) + D(3.50b)/V(9.43b) * Rd(3.69%) * (1-Tc(0.27)))
Discount Rate = 6.63% (= 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=0.95 | Chg30d=+5.14% | Revisions=-25% | Analysts=2
EPS current Year (2026-12-31): EPS=4.42 | Chg30d=+0.68% | Revisions=-17% | GrowthEPS=-6.5% | GrowthRev=-12.0%
EPS next Year (2027-12-31): EPS=4.54 | Chg30d=+0.07% | Revisions=-50% | GrowthEPS=+2.6% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: -50% (up=1, down=6)