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SCOR SE (ADR) (SCRYY)
:SCRYY
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SCOR SE
(OTC:SCRYY)
Rating:66Neutral
Price Target:
$3.50
▲(8.36%Upside)
SCOR SE (SCRYY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.82B
Dividend Yield6.31%
Average Volume (3M)526.00
Price to Earnings (P/E)1257.9
Beta (1Y)0.86
Revenue Growth-1.71%
EPS Growth-100.12%
CountryUS
Employees3,621
SectorFinancial
Sector Strength79
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)0.12
Shares Outstanding1,793,637,000
10 Day Avg. Volume0
30 Day Avg. Volume526
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.09
Price to Sales (P/S)0.00
P/FCF Ratio0.89
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
SCOR SE Business Overview & Revenue Model
Company DescriptionSCOR 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 MoneySCOR SE generates revenue primarily through its reinsurance operations in two main sectors: Life & Health and Property & Casualty. In the Life & Health segment, SCOR provides reinsurance to life insurance companies, covering risks such as mortality, longevity, and health-related events. This segment earns money by charging premiums from insurers in exchange for assuming these risks. In the Property & Casualty segment, SCOR offers reinsurance solutions for various risks, including natural catastrophes, liability, and motor insurance. Revenue is generated through premiums paid by insurers seeking to transfer part of their underwriting risks. Additionally, SCOR SE invests the premiums it receives in financial markets, earning investment income, which also contributes significantly to its profitability. Key factors contributing to SCOR's earnings include its risk assessment expertise, diversified global portfolio, and partnerships with insurance companies seeking to optimize their risk management strategies.
SCOR SE Earnings Call Summary
Earnings Call Date:May 07, 2025
(Q1-2025)
| % Change Since: 6.95%|
Next Earnings Date:Jul 31, 2025
Earnings Call Sentiment Positive
The earnings call presented a robust performance in net income, ROE, and economic growth, driven by solid P&C results and investment yields. However, challenges such as the impact of Los Angeles fires and declines in US casualty insurance revenue were noted. Despite these challenges, the strong performance metrics and strategic management decisions outweigh the lowlights.Q1-2025 Updates
Positive Updates
Strong Net Income and ROE
The company reported €195 million of net income with an 18.3% ROE, surpassing the forward 2026 assumption of 12%.
Economic Value Growth
Economic value increased by 6.8% at constant economics, putting the company on track to achieve its 9% economic value growth target for the year.
P&C Performance
The P&C segment showed excellent performance with a combined ratio of 85%, despite a €140 million impact from Los Angeles fires.
Investment Yield
Investments achieved a 3.5% regular income yield, at the upper end of the forward 2026 range, benefiting from high-quality fixed income portfolios.
Solvency Ratio Improvement
The group solvency ratio increased to 212%, supported by positive net operating capital generation.
Negative Updates
Impact of Los Angeles Fires
The company faced a €140 million impact from the Los Angeles fires affecting the P&C segment.
Challenges in US Casualty Segment
US casualty insurance revenue decreased by 12% due to proactive exposure reduction, impacting overall growth.
Large Contract Communication Impact
A large contract communication negatively affected the Q1 growth rate by minus 0.8 percentage points and is expected to impact Q2 as well.
Company Guidance
During the SCOR Q1 2025 Results Conference Call, key financial metrics and guidance were discussed. The company reported a net income of €195 million, achieving an ROE of 18.3% and a 6.8% growth in economic value at constant economics. The P&C segment delivered a strong performance with a combined ratio of 85%, surpassing the forward 2026 assumption of below 87%, despite a €140 million impact from the Los Angeles fires. Life & Health insurance service result was €180 million, positioning SCOR on track to meet the forward 2026 assumption of €400 million ISR. Investment returns were robust, with a regular income yield of 3.5%, supported by a high-quality fixed income portfolio. The group solvency ratio increased to 212%, attributed to positive net operating capital generation. For the full year, SCOR aims for a 9% economic value growth and maintains its strategic focus on profitable and diversifying lines, with an emphasis on alternative solutions and specialty lines despite a softening market environment.SCOR SE Financial Statement Overview
Summary
SCOR SE demonstrates financial resilience through stable balance sheet metrics and strong cash flow management, despite challenges in revenue and profitability. While leverage is moderate, declining revenue and profit margins indicate operational pressures that need addressing.Income Statement
The income statement shows a volatile performance with revenues decreasing significantly by 90.34% from 2023 to 2024. The company has a low net profit margin of 0.25% in 2024, down from 4.99% in 2023, indicating tight profitability. Gross profit margin remains consistent because cost of goods sold is not separated, but EBIT margin declined to 0% in 2024 from 8.40% in 2023, reflecting operational challenges.45
Neutral
Balance Sheet
The balance sheet is relatively stable with a manageable debt-to-equity ratio of 0.78 in 2024. Equity ratio stands at 12.12% indicating moderate leverage. However, the return on equity decreased to 0.09% in 2024 from 17.31% in 2023, suggesting diminished returns to shareholders.65
Positive
Cash Flow
Cash flow analysis reveals a positive free cash flow growth of 5.85% in 2024. The operating cash flow to net income ratio is robust at 225.75, highlighting strong cash generation compared to net income. However, the free cash flow to net income ratio is 218.75, indicating reliance on cash flow for profitability.70
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.63B | 1.57B | 16.27B | 3.33B | 16.03B | 15.42B |
| Gross Profit | 19.87B | 1.57B | 16.80B | 3.33B | 16.03B | 15.42B |
| EBITDA | -56.00M | 520.00M | 1.59B | -1.42B | 884.00M | 560.00M |
| Net Income | 197.00M | 4.00M | 812.00M | -302.00M | 456.00M | 234.00M |
Balance Sheet | ||||||
| Total Assets | 35.47B | 37.35B | 35.48B | 34.99B | 51.58B | 46.22B |
| Cash, Cash Equivalents and Short-Term Investments | 20.67B | 22.08B | 20.90B | 1.83B | 2.08B | 1.80B |
| Total Debt | 3.21B | 3.55B | 3.24B | 3.13B | 3.06B | 3.03B |
| Total Liabilities | 30.97B | 32.82B | 30.75B | 3.13B | 3.06B | 3.03B |
| Stockholders Equity | 4.47B | 4.52B | 4.69B | 4.32B | 6.41B | 6.16B |
Cash Flow | ||||||
| Free Cash Flow | 1.45B | 875.00M | 1.45B | 430.00M | 2.32B | 853.00M |
| Operating Cash Flow | 1.47B | 903.00M | 1.48B | 500.00M | 2.41B | 988.00M |
| Investing Cash Flow | -1.11B | -181.00M | -954.00M | -269.00M | -1.54B | -464.00M |
| Financing Cash Flow | -425.00M | -213.00M | -428.00M | -567.00M | -674.00M | -41.00M |
SCOR SE Technical Analysis
Positive
3.23
Price Trends
3.15
Positive
2.96
Positive
2.65
Positive
Market Momentum
0.02
Positive
49.90
Neutral
6.43
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SCRYY, the sentiment is Positive. The current price of 3.23 is below the 20-day moving average (MA) of 3.28, above the 50-day MA of 3.15, and above the 200-day MA of 2.65, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 49.90 is Neutral, neither overbought nor oversold. The STOCH value of 6.43 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SCRYY.
SCOR SE Peers Comparison
Overall Rating
UnderperformOutperform
Sector (58)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $11.72B | 7.67 | 16.30% | 0.66% | 32.10% | -30.52% | |
80 Outperform | $12.91B | 16.51 | 7.60% | 1.82% | 1.47% | -7.47% | |
79 Outperform | $2.22B | 6.79 | 14.07% | ― | 35.36% | -3.34% | |
71 Outperform | $2.26B | 21.00 | 7.20% | ― | -5.57% | -44.54% | |
66 Neutral | $5.82B | 1,257.92 | -0.02% | 6.31% | -1.71% | -100.12% | |
62 Neutral | $4.51B | 154.41 | 0.61% | 0.06% | -4.09% | -94.77% | |
58 Neutral | $12.60B | 5.37 | -2.71% | 5.54% | 5.88% | -56.09% |
* Financial Sector Average
Performance Comparison
SCRYY
SCOR SE
3.23
0.69
27.17%
RGA
Reinsurance Group
198.74
-3.06
-1.52%
RNR
Renaissancere Holdings
241.61
19.51
8.78%
WTM
White Mountains Insurance Group
1,800.77
-15.71
-0.86%
SPNT
SiriusPoint
20.88
8.68
71.15%
HG
Hamilton Insurance Group, Ltd. Class B
21.65
5.00
30.03%
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.