SCOR (SCR) AI Stock Analysis

• Market Cap: €4.58B
• Dividend Yield: 6.63%
• Average Volume (3M): 449.32K
• Price to Earnings (P/E): 5.2
• Beta (1Y): 1.32
• Revenue Growth: -2.52%
• EPS Growth: N/A
• Country: FR
• Employees: 3,621
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): 1.18
• Shares Outstanding: 179,363,700
• 10 Day Avg. Volume: 549,487
• 30 Day Avg. Volume: 449,316
• PEG Ratio: -10.64
• Price to Book (P/B): 0.94
• Price to Sales (P/S): 0.33
• P/FCF Ratio: 4.73
• 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: €31.52
• Price Target Upside: 15.71% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: €27.00 ▼(-0.88% Downside)

SCOR's overall stock score is primarily influenced by its financial performance and valuation. The company faces challenges with fluctuating revenues and low profitability, but strong cash flows provide some stability. The stock's valuation is attractive due to a low P/E ratio and high dividend yield. However, technical analysis indicates bearish momentum, which negatively impacts the score.

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 generates revenue primarily through its reinsurance operations, where it earns premiums from insurance companies that transfer risk to SCOR in exchange for financial protection. Key revenue streams include the collection of premiums from the property and casualty segment for risks associated with natural disasters, accidents, and liability claims, as well as from the life and health segment for mortality, morbidity, and longevity risks. Additionally, SCOR invests in a diversified portfolio of assets, which contributes to its income through investment returns. Significant partnerships with insurance companies and strong client relationships enhance SCOR's ability to underwrite risks profitably, thus supporting its earnings growth.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	14.35B	15.65B	16.27B	3.33B	16.03B	15.42B
Gross Profit	14.35B	14.83B	16.80B	3.33B	16.03B	15.42B
EBITDA	1.00B	520.00M	1.59B	-1.42B	884.00M	560.00M
Net Income	541.00M	4.00M	812.00M	-302.00M	456.00M	234.00M
Balance Sheet
Total Assets	35.82B	37.35B	35.48B	34.99B	51.58B	46.22B
Cash, Cash Equivalents and Short-Term Investments	0.00	22.08B	20.90B	1.83B	2.08B	1.80B
Total Debt	3.50B	3.56B	3.24B	3.13B	3.06B	3.03B
Total Liabilities	29.58B	32.82B	30.75B	3.13B	3.06B	3.03B
Stockholders Equity	4.13B	4.52B	4.69B	4.32B	6.41B	6.16B
Cash Flow
Free Cash Flow	1.12B	895.00M	1.34B	430.00M	2.32B	853.00M
Operating Cash Flow	1.16B	903.00M	1.38B	500.00M	2.41B	988.00M
Investing Cash Flow	-361.00M	-183.00M	-954.00M	-269.00M	-1.54B	-464.00M
Financing Cash Flow	-277.00M	-213.00M	-323.00M	-567.00M	-674.00M	-41.00M

SCOR Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 27.24
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 27.24 is below the 20-day moving average (MA) of 28.61, below the 50-day MA of 28.96, and below the 200-day MA of 27.28, indicating a bearish trend. The MACD of -0.90 indicates Positive momentum. The RSI at 40.13 is Neutral, neither overbought nor oversold. The STOCH value of 27.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:SCR.

SCOR Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CS	75 Outperform	€79.19B	10.78	17.06%	5.63%	-0.94%	8.47%
GLE	72 Outperform	€37.16B	8.66	7.47%	1.08%	-14.11%	180.83%
COFA	70 Outperform	€2.16B	9.42	10.78%	9.44%	2.09%	-11.21%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BNP	64 Neutral	€73.62B	7.00	9.50%	10.93%	-6.55%	14.18%
AMUN	60 Neutral	€13.25B	7.86	14.33%	6.30%	18.42%	37.83%
SCR	59 Neutral	€4.58B	5.23	20.25%	6.63%	-2.52%	―