SCOR (SCR) AI Stock Analysis

• Market Cap: €5.41B
• Dividend Yield: 6.35%
• Average Volume (3M): 449.32K
• Price to Earnings (P/E): 6.0
• Beta (1Y): 1.29
• Revenue Growth: -2.52%
• EPS Growth: N/A
• Country: FR
• Employees: 3,621
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): 1.20
• Shares Outstanding: 179,424,410
• 10 Day Avg. Volume: 549,487
• 30 Day Avg. Volume: 449,316
• PEG Ratio: <0.01
• Price to Book (P/B): 1.16
• Price to Sales (P/S): 0.32
• P/FCF Ratio: 5.07
• 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: €33.18
• Price Target Upside: 9.79% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 8
• EPS Forecast (FY): 4.26
• Revenue Forecast (FY): €16.01B

• Rating: 73 Outperform
• Price Target: €34.00 ▲(12.51% Upside)
• Action: Upgraded Date: 03/20/26
• Date: Action: Upgraded 03/20/26

The score is driven primarily by mid-to-upper financial quality (recovering growth and strong cash flow but volatile profitability) and an attractive valuation (low P/E and high dividend yield). Technicals are supportive with the stock trading above key moving averages and positive momentum, though some indicators suggest conditions may be getting stretched.

Positive Factors

Cash Generation

SCOR consistently generates operating cash flow and produced approximately €1.0B free cash flow in 2025. Durable cash conversion supports reserve funding, retrocession purchases and underwriting capacity, enabling reinvestment or shareholder returns without heavy reliance on external financing.

Negative Factors

Profitability Volatility

Underwriting and investment outcomes have produced wide swings in profitability—from a large loss in 2022 to near break-even in 2024 and a recovery in 2025. Persistent margin volatility complicates multi-period planning, capital retention and confidence in repeatable returns.

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...

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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...

How the Company Makes Money

SCOR makes money mainly by underwriting reinsurance and investing the premiums (and related funds) it holds before paying claims. 1) Reinsurance underwriting revenue (core) - Premiums and fees from cedants: SCOR enters reinsurance contracts with ...

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SCOR makes money mainly by underwriting reinsurance and investing the premiums (and related funds) it holds before paying claims. 1) Reinsurance underwriting revenue (core) - Premiums and fees from cedants: SCOR enters reinsurance contracts with ...

SCOR Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	14.35B	16.21B	15.65B	15.84B	16.44B	15.99B
Gross Profit	14.35B	16.21B	14.83B	15.16B	12.61B	12.11B
EBITDA	1.00B	0.00	520.00M	1.58B	-1.32B	1.23B
Net Income	541.00M	851.00M	4.00M	812.00M	-1.38B	456.00M
Balance Sheet
Total Assets	35.82B	36.10B	37.35B	35.48B	34.99B	51.58B
Cash, Cash Equivalents and Short-Term Investments	21.19B	21.55B	22.08B	20.90B	1.83B	2.08B
Total Debt	3.50B	3.57B	3.56B	3.24B	3.13B	3.06B
Total Liabilities	31.69B	31.67B	32.82B	30.75B	3.13B	3.06B
Stockholders Equity	4.13B	4.43B	4.52B	4.69B	4.32B	6.41B
Cash Flow
Free Cash Flow	1.12B	1.01B	895.00M	1.34B	430.00M	2.32B
Operating Cash Flow	1.16B	1.05B	903.00M	1.38B	500.00M	2.41B
Investing Cash Flow	-361.00M	-883.00M	-183.00M	-954.00M	-269.00M	-1.54B
Financing Cash Flow	-277.00M	-362.00M	-213.00M	-323.00M	-567.00M	-674.00M

SCOR Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.22
• 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 30.22 is above the 20-day moving average (MA) of 30.18, above the 50-day MA of 29.18, and above the 200-day MA of 28.60, indicating a bullish trend. The MACD of 0.31 indicates Positive momentum. The RSI at 52.44 is Neutral, neither overbought nor oversold. The STOCH value of 48.37 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
SCR	73 Outperform	€5.41B	6.04	20.25%	6.35%	-2.52%	―
CS	73 Outperform	€78.11B	8.74	17.06%	5.23%	-0.94%	8.47%
BNP	68 Neutral	€89.57B	7.40	9.43%	9.16%	-6.55%	14.18%
COFA	68 Neutral	€2.19B	10.54	10.78%	9.02%	2.09%	-11.21%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AMUN	60 Neutral	€14.95B	3.90	14.33%	6.07%	18.42%	37.83%
GLE	54 Neutral	€40.32B	9.82	9.61%	2.49%	-14.11%	180.83%