SCOR (FR:SCR)
:SCR
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SCOR
(SCR)
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Rating:73Outperform
Price Target:
€35.00
▲(6.51% Upside)
Action:Upgraded
Date: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 / Free cash flow
Consistent positive operating cash flow and a ~€1.0B free cash flow in 2025 indicate durable internal funding. Strong FCF supports claim-paying capacity, reserve strengthening, retrocession purchases and shareholder returns without immediate reliance on external capital.
Negative Factors
Volatile profitability
Wide swings in underwriting results and net margin reduce predictability of earnings and capital generation. Persistently volatile profitability complicates reserve planning, dividend policy and may necessitate conservative pricing or additional capital in adverse years.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation / Free cash flow
Consistent positive operating cash flow and a ~€1.0B free cash flow in 2025 indicate durable internal funding. Strong FCF supports claim-paying capacity, reserve strengthening, retrocession purchases and shareholder returns without immediate reliance on external capital.
Read all positive factors
SCOR (SCR) vs. iShares MSCI France ETF (EWQ)
Market Cap
€5.63B
Dividend Yield6.35%
Average Volume (3M)449.32K
Price to Earnings (P/E)6.4
Beta (1Y)1.13
Revenue Growth-5.45%
EPS Growth10561.96%
CountryFR
Employees3,621
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)4.76
Shares Outstanding179,389,980
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)0.35
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
€33.89Price Target Upside3.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)4.32
Revenue Forecast (FY)€15.72B
SCOR Business Overview & Revenue Model
Company Description
SCOR SE is a prominent global player specializing in life and property & casualty (P&C) reinsurance. The company extends its comprehensive coverage to diverse markets spanning Europe, the Middle East, Africa, the Americas (including Latin America)...
How the Company Makes Money
SCOR makes money mainly by underwriting reinsurance contracts and investing the funds it holds to pay future claims. (1) Underwriting income: SCOR earns reinsurance premiums from insurance company clients in exchange for assuming part of those cli...
SCOR Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
66
Positive
Cash Flow
71
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 14.80B | 15.65B | 15.84B | 16.44B | 15.99B |
| Gross Profit | 13.96B | 14.83B | 15.16B | 12.61B | 12.11B |
| EBITDA | 1.57B | 520.00M | 1.58B | -1.32B | 1.23B |
| Net Income | 851.00M | 4.00M | 812.00M | -1.38B | 456.00M |
Balance Sheet | |||||
| Total Assets | 36.10B | 37.35B | 35.48B | 34.99B | 51.58B |
| Cash, Cash Equivalents and Short-Term Investments | 21.55B | 22.08B | 20.90B | 1.83B | 2.08B |
| Total Debt | 3.57B | 3.56B | 3.24B | 3.13B | 3.06B |
| Total Liabilities | 31.67B | 32.82B | 30.75B | 3.13B | 3.06B |
| Stockholders Equity | 4.43B | 4.52B | 4.69B | 4.32B | 6.41B |
Cash Flow | |||||
| Free Cash Flow | 1.01B | 895.00M | 1.34B | 430.00M | 2.32B |
| Operating Cash Flow | 1.05B | 903.00M | 1.38B | 500.00M | 2.41B |
| Investing Cash Flow | -883.00M | -183.00M | -954.00M | -269.00M | -1.54B |
| Financing Cash Flow | -362.00M | -213.00M | -323.00M | -567.00M | -674.00M |
SCOR Technical Analysis
Positive
32.86
Price Trends
30.93
Positive
29.43
Positive
28.00
Positive
Market Momentum
0.10
Negative
56.13
Neutral
80.34
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 30.91, above the 50-day MA of 30.93, and above the 200-day MA of 28.00, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 56.13 is Neutral, neither overbought nor oversold. The STOCH value of 80.34 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
31.44
4.99
18.85%
FR:COFA
Coface SA
15.21
0.42
2.85%
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.