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SCOR SE (ADR) (SCRYY)
:SCRYY
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SCOR SE
(OTC:SCRYY)
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Rating:64Neutral
Price Target:
$3.00
▼(-13.54% Downside)
SCOR SE's overall stock score is driven by strong earnings performance and attractive valuation, offset by operational challenges and bearish technical indicators. The company's financial resilience and strategic focus on profitable growth are positive, but declining revenue and competitive pressures in the P&C segment pose risks.
SCOR SE (SCRYY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.71B
Dividend Yield6.23%
Average Volume (3M)121.00
Price to Earnings (P/E)5.9
Beta (1Y)0.80
Revenue Growth-0.73%
EPS GrowthN/A
CountryUS
Employees3,621
SectorFinancial
Sector Strength70
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)0.14
Shares Outstanding1,793,637,000
10 Day Avg. Volume0
30 Day Avg. Volume121
Financial Highlights & Ratios
PEG Ratio-106.84
Price to Book (P/B)9.44
Price to Sales (P/S)27.21
P/FCF Ratio48.82
Enterprise Value/Market Cap0.00
Enterprise Value/Revenue0.00
Enterprise Value/Gross Profit0.00
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
SCOR SE Business Overview & Revenue Model
Company DescriptionSCOR SE (SCRYY) is a prominent global reinsurer headquartered in Paris, France, operating primarily in the reinsurance and insurance sectors. The company provides a wide array of products and services across life and non-life reinsurance, as well as insurance solutions. SCOR SE focuses on optimizing its clients' risk management strategies while enhancing their financial stability through innovative solutions tailored to the evolving needs of the insurance market.
How the Company Makes MoneySCOR SE generates revenue mainly through its reinsurance operations, which involve transferring risk from primary insurers to SCOR in exchange for premium payments. The company's key revenue streams include premiums collected from its life and non-life reinsurance segments, where it assumes risk and provides coverage for various types of events, such as natural disasters, health-related claims, and other insurance liabilities. Additionally, SCOR SE earns investment income from managing the capital it holds, which is typically invested in a diversified portfolio of assets. Strategic partnerships with insurance companies enhance its market reach and allow SCOR to offer tailored solutions, contributing to its overall earnings. The company's ability to effectively manage underwriting risk and optimize its investment portfolio are crucial factors influencing its profitability.
SCOR SE Earnings Call Summary
Earnings Call Date:Oct 31, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Mar 04, 2026
Earnings Call Sentiment Positive
The earnings call presents a generally positive outlook with strong quarterly results in the P&C segment, impressive net income, and growth in economic value. However, challenges such as an increase in the attritional loss ratio and competitive pressures on pricing highlight areas of concern. The solvency ratio stability despite strong earnings also raises questions.Q3-2025 Updates
Positive Updates
Strong Q3 Performance in P&C
The P&C segment delivered an excellent performance with a combined ratio of 80.9%, well ahead of the forward 2026 assumption of below 87%. The low Cat claims and slightly higher attritional loss ratio contributed to these results.
Impressive Net Income and Return on Equity
SCOR reported EUR 211 million of net income for Q3, with a return on equity of 21.5%. On a 9-month basis, the net income stands at EUR 631 million, translating into a return on equity of 19.5%.
Significant Growth in Economic Value
Economic value increased by 12.7% at constant economics, indicating robust business performance in both P&C and Life and Health segments.
Investment Performance
Achieved a 3.5% regular income yield, supported by a high-quality fixed income portfolio benefiting from elevated reinvestment rates.
Negative Updates
Attritional Loss Ratio Increase
The attritional loss ratio was slightly elevated this quarter due to an accumulation of small and midsized man-made claims, impacting the overall P&C performance.
Competitive Pressure on P&C Pricing
Increased pressure on prices in the P&C segment as profits rise and supply of capacity exceeds demand, testing underwriting discipline.
Solvency Ratio Concerns
Despite strong earnings, the solvency ratio remained stable at 210%, raising questions about the capital generation and the impact of buffer building on solvency.
Company Guidance
During the SCOR Q3 2025 Results Conference Call, SCOR provided a comprehensive overview of its performance and strategic direction. The company reported a net income of EUR 211 million for the third quarter, with a return on equity of 21.5% and an economic value growth of 12.7%. Year-to-date, the net income reached EUR 631 million, translating to a 19.5% return on equity. The P&C segment achieved an impressive combined ratio of 80.9%, benefiting from low natural catastrophe losses, while the Life & Health segment generated an insurance service result of EUR 98 million. SCOR's investment portfolio delivered a 3.5% regular income yield, supported by high-quality fixed income assets. The group's solvency ratio remained stable at 210%, with SCOR emphasizing its commitment to maintaining underwriting discipline and capital efficiency. The company highlighted its strategic focus on diversifying risk exposures, leveraging its Tier 1 franchise, and identifying profitable growth opportunities, particularly in lines such as inherent defect insurance, engineering, and international casualty. SCOR reiterated its cautious approach to marine, aviation, cyber, and U.S. casualty lines, while maintaining an underweight position in natural catastrophe exposures.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 | 13.04B | 15.65B | 15.84B | 16.44B | 15.99B | 16.97B |
| Gross Profit | 13.04B | 14.83B | 15.16B | 12.61B | 12.11B | 16.97B |
| EBITDA | 0.00 | 520.00M | 1.58B | -1.32B | 1.23B | 560.00M |
| 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 | 21.19B | 22.08B | 20.90B | 1.83B | 2.08B | 1.80B |
| Total Debt | 3.33B | 3.55B | 3.24B | 3.13B | 3.06B | 3.03B |
| Total Liabilities | 31.69B | 32.82B | 28.60B | 28.51B | 43.34B | 40.04B |
| Stockholders Equity | 4.13B | 4.52B | 4.69B | 4.32B | 6.41B | 6.16B |
Cash Flow | ||||||
| Free Cash Flow | 1.10B | 875.00M | 1.45B | 430.00M | 2.32B | 853.00M |
| Operating Cash Flow | 1.16B | 903.00M | 1.48B | 500.00M | 2.41B | 988.00M |
| Investing Cash Flow | -360.00M | -181.00M | -954.00M | -269.00M | -1.54B | -464.00M |
| Financing Cash Flow | -277.00M | -213.00M | -428.00M | -567.00M | -674.00M | -41.00M |
SCOR SE Technical Analysis
Negative
3.47
Price Trends
3.37
Negative
3.35
Negative
3.17
Negative
Market Momentum
-0.07
Negative
39.38
Neutral
59.77
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SCRYY, the sentiment is Negative. The current price of 3.47 is above the 20-day moving average (MA) of 3.22, above the 50-day MA of 3.37, and above the 200-day MA of 3.17, indicating a bearish trend. The MACD of -0.07 indicates Negative momentum. The RSI at 39.38 is Neutral, neither overbought nor oversold. The STOCH value of 59.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SCRYY.
SCOR SE Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $2.53B | 5.99 | 17.62% | ― | 22.79% | -5.17% | |
78 Outperform | $12.12B | 7.30 | 14.98% | 0.60% | -3.96% | -48.08% | |
76 Outperform | $12.10B | 14.23 | 7.19% | 1.95% | 2.10% | 19.23% | |
75 Outperform | $2.30B | 12.59 | 8.09% | ― | 7.87% | -4.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $13.45B | 23.77 | 3.59% | 2.48% | 8.62% | -78.92% | |
64 Neutral | $5.71B | 5.90 | 19.56% | 6.23% | -0.73% | ― |
* Financial Sector Average
SCRYY
SCOR SE
3.12
0.61
24.38%
EG
Everest Group
312.84
-63.77
-16.93%
RGA
Reinsurance Group
187.87
-37.06
-16.48%
RNR
Renaissancere Holdings
262.16
-0.79
-0.30%
SPNT
SiriusPoint
19.85
4.48
29.15%
HG
Hamilton Insurance Group, Ltd. Class B
25.74
7.19
38.76%
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.