SCOR (SCR) AI Stock Analysis

• Market Cap: €5.09B
• Dividend Yield: 6.36%
• Average Volume (3M): 410.40K
• Price to Earnings (P/E): 9.4
• Beta (1Y): 1.37
• Revenue Growth: -2.64%
• EPS Growth: 175.41%
• Country: FR
• Employees: 3,621
• Sector: Financial
• Sector Strength: 71
• Industry: Insurance - Reinsurance
• EPS (TTM): 1.26
• Shares Outstanding: 179,363,700
• 10 Day Avg. Volume: 520,031
• 30 Day Avg. Volume: 410,396
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €30.46
• Price Target Upside: 7.18% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 8

• Rating: 65 Neutral
• Price Target: €30.00 ▲(5.56% Upside)

SCOR's stock score is primarily supported by its attractive valuation, with a low P/E ratio and high dividend yield. Financial performance is a concern due to fluctuating revenues and low profitability, but strong cash flows provide some stability. Technical analysis indicates mixed signals, with short-term bearish trends but longer-term support.

SCOR Business Overview & Revenue Model

Company Description

SCOR SE, together with its subsidiaries, provides life and non-life reinsurance products in Europe, the Middle East, Africa, the Americas, Latin America, and Asia Pacific. It operates through two segments, SCOR Global P&C and SCOR Global Life. The SCOR Global P&C segment offers reinsurance products in the areas of property, motors, casualty treaties, credit and surety, decennial insurance, aviation, marine and energy, engineering, agricultural risks, and property catastrophes; specialties insurance products, including business solutions, political and credit risks, cyber, and environmental impairment liability; and business ventures and partnerships. The SCOR Global Life segment provides life reinsurance products, including protection for mortality, morbidity, behavioral risks, disability, long-term care, critical illness, medical, and personal accident. This segment also provides financial solutions that combine traditional life reinsurance with financial components and provide liquidity, balance sheet, solvency, and income improvements to clients; longevity solutions that include products covering the risk of negative deviation from expected results due to the insured or annuitant living longer than assumed in the pricing of insurance covers provided by insurers or pension funds; and distribution solutions. In addition, it is involved in the asset management business. The company was founded in 1970 and is headquartered in Paris, France.

How the Company Makes Money

SCOR generates revenue primarily through its reinsurance operations, where it earns premiums from insurance companies that transfer risk to SCOR in exchange for financial protection. Key revenue streams include the collection of premiums from the property and casualty segment for risks associated with natural disasters, accidents, and liability claims, as well as from the life and health segment for mortality, morbidity, and longevity risks. Additionally, SCOR invests in a diversified portfolio of assets, which contributes to its income through investment returns. Significant partnerships with insurance companies and strong client relationships enhance SCOR's ability to underwrite risks profitably, thus supporting its earnings growth.

SCOR Financial Statement Overview

Summary

SCOR's financial performance is challenged by fluctuating revenues and low profitability, highlighted by low net profit margins and inconsistent EBIT and EBITDA margins. The balance sheet shows moderate leverage, but declining equity ratio poses risks. Positive operating and free cash flows provide operational resilience.

Income Statement

SCOR's revenue has experienced volatility, with a significant drop in 2022 but some recovery in 2023. Net profit margins are low, indicating challenges in maintaining profitability. EBIT and EBITDA margins have also been inconsistent, reflecting operational inefficiencies.

Balance Sheet

The company's debt-to-equity ratio is moderate, suggesting balanced leverage. However, the equity ratio has declined over time, indicating a potential risk in asset financing. Return on equity is low, reflecting limited profitability relative to shareholders' equity.

Cash Flow

Operating cash flow is robust compared to net income, illustrating strong cash generation capabilities. Free cash flow has been positive and stable, albeit with slower growth in recent years. Overall, cash flows support operational resilience.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	13.00B	16.27B	3.33B	16.03B	15.42B
Gross Profit	1.57B	16.80B	3.33B	16.03B	15.42B
EBITDA	520.00M	1.59B	-1.42B	884.00M	560.00M
Net Income	4.00M	812.00M	-302.00M	456.00M	234.00M
Balance Sheet
Total Assets	37.35B	35.48B	34.99B	51.58B	46.22B
Cash, Cash Equivalents and Short-Term Investments	22.08B	20.90B	1.83B	2.08B	1.80B
Total Debt	3.56B	3.24B	3.13B	3.06B	3.03B
Total Liabilities	32.82B	30.75B	3.13B	3.06B	3.03B
Stockholders Equity	4.52B	4.69B	4.32B	6.41B	6.16B
Cash Flow
Free Cash Flow	895.00M	1.34B	430.00M	2.32B	853.00M
Operating Cash Flow	903.00M	1.38B	500.00M	2.41B	988.00M
Investing Cash Flow	-183.00M	-954.00M	-269.00M	-1.54B	-464.00M
Financing Cash Flow	-213.00M	-323.00M	-567.00M	-674.00M	-41.00M

SCOR Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 28.42
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:SCR, the sentiment is Negative. The current price of 28.42 is below the 20-day moving average (MA) of 29.09, below the 50-day MA of 28.62, and above the 200-day MA of 25.02, indicating a neutral trend. The MACD of -0.08 indicates Positive momentum. The RSI at 44.16 is Neutral, neither overbought nor oversold. The STOCH value of 48.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:SCR.

SCOR Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SCR	65 Neutral	€5.09B	9.40	12.58%	6.36%	-2.64%	175.41%
Sector *	62 Neutral	C$15.64B	6.67	13.72%	5.97%	22.38%	-10.22%
0RDX	―	€13.33B	7.93	14.33%	―	―	―
0HAR	―	€93.64B	12.21	17.06%	―	―	―
0HB5	―	€94.81B	8.91	9.50%	―	―	―
0QVK	―	€2.43B	10.04	11.85%	―	―	―
0J6Y	―	€40.22B	9.26	7.47%	―	―	―