SCOR (SCR) AI Stock Analysis

• Market Cap: €4.58B
• Dividend Yield: 6.66%
• 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: €31.75
• Price Target Upside: 17.42% 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 ▼(-0.15% 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.

Positive Factors

Cash Generation

Strong cash generation supports operational resilience, allowing SCOR to invest in growth opportunities and weather financial challenges.

Business Model Strength

SCOR's diversified reinsurance model provides a stable revenue base, leveraging strong client relationships and underwriting expertise.

Partnerships and Client Relationships

Strong partnerships and client relationships bolster SCOR's market position, supporting sustained earnings growth and competitive advantage.

Negative Factors

Revenue Volatility

Revenue volatility poses challenges for long-term planning and stability, potentially impacting SCOR's ability to maintain consistent growth.

Low Profitability

Low profitability limits SCOR's ability to reinvest in the business and reward shareholders, affecting long-term financial health.

Declining Equity Ratio

A declining equity ratio suggests increased financial risk, potentially impacting SCOR's ability to finance growth sustainably.

SCOR Business Overview & Revenue Model

Company Description

SCOR (SCR) is a global reinsurance company headquartered in Paris, France, providing a range of insurance and reinsurance services across various sectors including life, health, and property & casualty. The company operates through two main segments: SCOR Global P&C, which focuses on property and casualty reinsurance, and SCOR Global Life, which offers life and health reinsurance solutions. SCOR is known for its strong underwriting expertise, innovative risk solutions, and commitment to sustainability, aiming to support its clients in managing risks effectively.

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	9.58B	15.65B	15.84B	16.44B	15.99B	15.41B
Gross Profit	9.58B	14.83B	15.16B	12.61B	12.11B	12.03B
EBITDA	633.00M	520.00M	1.58B	-1.32B	1.23B	578.00M
Net Income	316.00M	4.00M	812.00M	-1.38B	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: Positive
• Last Price: 27.04
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• 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 27.04 is above the 20-day moving average (MA) of 26.97, below the 50-day MA of 28.80, and below the 200-day MA of 27.50, indicating a neutral trend. The MACD of -0.36 indicates Negative momentum. The RSI at 50.91 is Neutral, neither overbought nor oversold. The STOCH value of 69.78 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
BNP	77 Outperform	€73.62B	7.00	9.50%	9.94%	-6.55%	14.18%
CS	75 Outperform	€79.19B	10.78	17.06%	5.57%	-0.94%	8.47%
GLE	72 Outperform	€37.16B	8.66	7.47%	2.85%	-14.11%	180.83%
COFA	70 Outperform	€2.16B	9.42	10.78%	9.27%	2.09%	-11.21%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AMUN	60 Neutral	€13.25B	7.86	14.33%	6.21%	18.42%	37.83%
SCR	59 Neutral	€4.58B	5.23	20.25%	6.66%	-2.52%	―