SCOR (SCR) AI Stock Analysis

• Market Cap: €5.17B
• Dividend Yield: 6.21%
• Average Volume (3M): 522.91K
• Price to Earnings (P/E): 628.3
• Beta (1Y): 1.28
• Revenue Growth: -0.71%
• EPS Growth: -98.82%
• Country: FR
• Employees: 3,621
• Sector: Financial
• Sector Strength: 83
• Industry: Insurance - Reinsurance
• EPS (TTM): 1.09
• Shares Outstanding: 179,363,700
• 10 Day Avg. Volume: 432,844
• 30 Day Avg. Volume: 522,915
• PEG Ratio: 11.72
• Price to Book (P/B): 1.09
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.77
• 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: €31.17
• Price Target Upside: 7.48% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 9

• Rating: 58 Neutral
• Price Target: €30.00 ▲(3.45%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, 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 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 faces challenges with fluctuating revenues and low profitability. While the balance sheet shows moderate leverage, the declining equity ratio could pose future risks. Cash flows remain a strength, providing some stability amidst operational inefficiencies.

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
	EBIT
298.00M	1.37B	-461.00M	645.00M	311.00M
	EBITDA
520.00M	1.59B	-1.42B	884.00M	560.00M
	Net Income Common Stockholders
4.00M	812.00M	-302.00M	456.00M	234.00M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
22.08B	20.90B	1.83B	2.08B	1.80B
	Total Assets
37.35B	35.48B	34.99B	51.58B	46.22B
	Total Debt
3.56B	3.24B	3.13B	3.06B	3.03B
	Net Debt
1.44B	1.59B	1.30B	973.00M	1.23B
	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: 29.00
• 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 29 is above the 20-day moving average (MA) of 28.56, above the 50-day MA of 26.19, and above the 200-day MA of 22.58, indicating a bullish trend. The MACD of 0.76 indicates Positive momentum. The RSI at 68.00 is Neutral, neither overbought nor oversold. The STOCH value of 60.00 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
Sector *	64 Neutral	$12.85B	9.81	7.59%	16985.65%	12.30%	-7.71%
SCR	58 Neutral	€5.17B	628.26	0.17%	6.21%	-0.71%	-98.82%
0RDX		€15.15B	11.61	11.17%	5.53%	―	―
0HAR		€93.23B	12.18	15.98%	5.03%	―	―
0HB5		€87.54B	8.10	9.58%	6.18%	―	―
0QVK		€2.45B	9.57	11.71%	8.58%	―	―
0J6Y		€34.47B	11.14	5.93%	2.20%	―	―