SCR Stock Analysis: SCOR SE | PA
Insurance - Reinsurance | PA, France | Market Cap: 5.592m EUR | 12M Return: 18.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 13.4M
EPS Trend: 21.6%
Qual. Beats: 0
Rev. Trend: -47.0%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 875.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 2.63 > 1.0 |
| NWC/Revenue: 130.4% < 20% (prev 157.4%; Δ -26.98% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.13b > Net Income 875.0m |
| Net Debt (2.52b) to EBITDA (1.57b): 1.61 < 3 |
| Current Ratio: 133.1 > 1.5 & < 3 |
| Outstanding Shares: last quarter (177.8m) vs 12m ago -0.81% < -2% |
| Gross Margin: 94.98% > 18% (prev 94.10%; Δ 0.88% > 0.5%) |
| Asset Turnover: 45.49% > 50% (prev 37.08%; Δ 8.40% > 0%) |
| Interest Coverage Ratio: 10.93 > 6 (EBIT TTM 1.31b / Interest Expense TTM 120.0m) |
| 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 1.31b / Avg Total Assets 36.7b) |
| D: 0.14 (Book Value of Equity 4.43b / Total Liabilities 31.7b) |
| Altman-Z'' = 4.42 = AA |
As of July 09, 2026, the stock is trading at EUR 31.84 with a total of 474,805 shares traded. Over the past week, the price has changed by +0.76%, over one month by +5.57%, over three months by +7.53% and over the past year by +18.72%.
Current recommended Stop Loss: 31.10 (which is 2.3% or 1.4 ATR below the current price).
SCOR SE has no consensus analysts rating.
P/E Trailing = 6.688
P/E Forward = 6.566
P/S = 0.3613
P/B = 1.2269
P/EG = 0.432
Revenue TTM = 16.7b EUR
EBIT TTM = 1.31b EUR
EBITDA TTM = 1.57b EUR
Long Term Debt = 3.43b EUR (from longTermDebt, last quarter)
Short Term Debt = 51.0m EUR (from shortTermDebt, last quarter)
Debt = 3.70b EUR (from shortLongTermDebtTotal, last quarter) + Leases 137.0m
Net Debt = 2.52b EUR (calculated: Debt 3.70b - CCE 1.19b)
Enterprise Value = 8.11b EUR (5.59b + Debt 3.70b - CCE 1.19b)
Interest Coverage Ratio = 10.93 (Ebit TTM 1.31b / Interest Expense TTM 120.0m)
EV/FCF = 8.80x (Enterprise Value 8.11b / FCF TTM 921.0m)
FCF Yield = 11.36% (FCF TTM 921.0m / Enterprise Value 8.11b)
FCF Margin = 5.51% (FCF TTM 921.0m / Revenue TTM 16.7b)
Net Margin = 5.24% (Net Income TTM 875.0m / Revenue TTM 16.7b)
Gross Margin = 94.98% ((Revenue TTM 16.7b - Cost of Revenue TTM 838.0m) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.22 (Enterprise Value 8.11b / Total Assets 36.1b)
Interest Expense / Debt = 3.24% (Interest Expense 120.0m / Debt 3.70b)
Taxrate = 28.06% (332.0m / 1.18b)
NOPAT = 943.8m (EBIT 1.31b * (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 quarter 4.43b)
Debt / EBITDA = 1.61 (Net Debt 2.52b / EBITDA 1.57b)
Debt / FCF = 2.73 (Net Debt 2.52b / FCF TTM 921.0m)
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 = 16.82% (EBIT 1.31b / Capital Employed (Equity 4.37b + L.T.Debt 3.43b))
RoIC = 2.68% (NOPAT 943.8m / Invested Capital 35.2b)
WACC = 5.45% (E(5.59b)/V(9.30b) * Re(7.51%) + D(3.70b)/V(9.30b) * Rd(3.24%) * (1-Tc(0.28)))
Discount Rate = 7.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -58.43 | Cagr: -3.31%
[DCF] Terminal Value 75.44% ; FCFF base≈921.0m ; Y1≈924.8m ; Y5≈979.6m
[DCF] Fair Price = 71.20 (EV 15.2b - Net Debt 2.52b = Equity 12.7b / Shares 178.7m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 21.64 | EPS CAGR: 15.48% | SUE: 0.22 | # QB: 0
Revenue Correlation: -47.04 | Revenue CAGR: -3.70% | SUE: 1.58 | # QB: 1
EPS current Quarter (2026-06-30): EPS=0.89 | Chg30d=-17.32% | Revisions=-40% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.97 | Chg30d=+0.99% | Revisions=-40% | Analysts=1
EPS current Year (2026-12-31): EPS=4.65 | Chg30d=+8.43% | Revisions=+29% | GrowthEPS=-1.7% | GrowthRev=-6.9%
EPS next Year (2027-12-31): EPS=4.65 | Chg30d=+4.22% | Revisions=-12% | GrowthEPS=-0.1% | GrowthRev=+3.8%
[Analyst] Revisions Ratio: -19% (up=5, down=8)