SCOR (SCR) AI Stock Analysis

• Market Cap: €4.98B
• Dividend Yield: 5.65%
• Average Volume (3M): 419.75K
• Price to Earnings (P/E): 604.3
• Beta (1Y): 1.33
• Revenue Growth: -0.71%
• EPS Growth: -98.82%
• Country: FR
• Employees: 3,621
• Sector: Financial
• Sector Strength: 79
• Industry: Insurance - Reinsurance
• EPS (TTM): 1.09
• Shares Outstanding: 179,363,700
• 10 Day Avg. Volume: 384,595
• 30 Day Avg. Volume: 419,745
• PEG Ratio: 0.08
• Price to Book (P/B): 0.89
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.91
• 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: €31.27
• Price Target Upside: 13.30% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 8

• Rating: 58 Neutral
• Price Target: €30.00 ▲(8.70%Upside)

SCOR's overall stock score is primarily influenced by its financial performance and technical analysis. The company's robust cash flows and positive market momentum support its score. However, low profitability and high P/E ratio weigh heavily, presenting significant valuation concerns despite an attractive dividend yield.

SCOR Business Overview & Revenue Model

Company Description

SCOR SE (SCR) is a leading global reinsurance company, offering a wide range of reinsurance products and services across life and non-life segments. The company operates through two main divisions: SCOR Global Life, which provides life and health reinsurance, and SCOR Global P&C, which offers property and casualty reinsurance. SCOR is committed to delivering value to its clients by providing innovative risk management solutions and leveraging its expertise in underwriting, actuarial science, and risk assessment.

How the Company Makes Money

SCOR makes money primarily through the premiums it collects from its reinsurance contracts. In the life segment, SCOR provides reinsurance for life insurers, covering risks such as mortality, morbidity, and longevity, and earns revenue from the premiums paid by these insurers. In the property and casualty segment, the company covers risks related to natural disasters, man-made catastrophes, and other liabilities, also earning premiums in return. SCOR's income is further enhanced by investment returns on the reserves it holds to pay future claims. The company benefits from strategic partnerships with insurance companies globally, allowing it to diversify its risk portfolio and optimize capital allocation. Additionally, SCOR leverages its expertise in analytics and risk assessment to offer value-added services to its clients, contributing to its revenue streams.

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: Positive
• Last Price: 27.60
• 50DMA: Positive
• 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 Positive. The current price of 27.6 is below the 20-day moving average (MA) of 28.43, above the 50-day MA of 27.60, and above the 200-day MA of 23.37, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 48.88 is Neutral, neither overbought nor oversold. The STOCH value of 26.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:SCR.

SCOR Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
COFA	80 Outperform	€2.41B	9.43	11.71%	7.55%	2.45%	2.67%
BNP	77 Outperform	€84.95B	7.86	9.58%	5.54%	5.65%	11.45%
CS	76 Outperform	€91.16B	11.91	15.98%	4.42%	6.79%	11.81%
GLE	73 Outperform	€33.38B	10.85	5.93%	2.00%	-6.46%	117.00%
Sector *	67 Neutral	$16.51B	11.23	9.71%	3.96%	11.61%	-10.70%
AMUN	67 Neutral	€13.90B	10.65	11.17%	5.43%	11.02%	11.72%
SCR	58 Neutral	€4.98B	604.35	0.17%	5.65%	-0.71%	-98.82%