SCOR (FR:SCR)
:SCR
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SCOR
(SCR)
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Rating:73Outperform
Price Target:
€34.00
▲(3.47% Upside)
Action:UpgradedDate: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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
SCOR (SCR) vs. iShares MSCI France ETF (EWQ)
Market Cap
€5.79B
Dividend Yield6.35%
Average Volume (3M)449.32K
Price to Earnings (P/E)6.0
Beta (1Y)1.23
Revenue Growth-4.07%
EPS Growth21628.31%
CountryFR
Employees3,621
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)1.20
Shares Outstanding179,424,410
10 Day Avg. Volume549,487
30 Day Avg. Volume449,316
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)1.16
Price to Sales (P/S)0.32
P/FCF Ratio5.07
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€34.05Price Target Upside3.62% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)4.3
Revenue Forecast (FY)€15.86B
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...
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 ...
SCOR Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
66
Positive
Cash Flow
71
Positive
| 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
Positive
32.86
Price Trends
30.29
Positive
28.97
Positive
28.85
Positive
Market Momentum
0.75
Negative
72.23
Negative
92.66
Negative
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 32.86 is above the 20-day moving average (MA) of 31.26, above the 50-day MA of 30.29, and above the 200-day MA of 28.85, indicating a bullish trend. The MACD of 0.75 indicates Negative momentum. The RSI at 72.23 is Negative, neither overbought nor oversold. The STOCH value of 92.66 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:SCR.
SCOR Peers Comparison
UnderperformOutperform
Sector (55)
FR:SCR
SCOR
31.54
6.12
24.06%
FR:COFA
Coface SA
15.78
-0.65
-3.94%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.