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SCOR SE (ADR) (SCRYY)
:SCRYY
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SCOR SE
(OTC:SCRYY)
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Rating:66Neutral
Price Target:
$3.50
▲(0.86% Upside)
SCOR SE's overall stock score reflects its strong earnings call performance and reasonable valuation, which are offset by operational challenges and neutral technical indicators. The company's financial resilience and strategic initiatives provide a positive outlook, despite revenue declines and legal uncertainties.
SCOR SE (SCRYY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.21B
Dividend Yield5.55%
Average Volume (3M)282.00
Price to Earnings (P/E)10.7
Beta (1Y)0.85
Revenue Growth-2.10%
EPS Growth172.83%
CountryUS
Employees3,621
SectorFinancial
Sector Strength70
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)0.14
Shares Outstanding1,793,637,000
10 Day Avg. Volume365
30 Day Avg. Volume282
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 Cap1.61
Enterprise Value/Revenue0.56
Enterprise Value/Gross Profit0.56
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 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:Jul 31, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Oct 31, 2025
Earnings Call Sentiment Positive
The earnings call highlighted strong financial performance and strategic progress, particularly in the P&C and Life & Health segments, supported by robust investment returns. However, challenges such as revenue decline in P&C, legal disputes with Covéa, and FX impacts on solvency were significant lowlights.Q2-2025 Updates
Positive Updates
Strong Overall Financial Performance
The company reported a net income of EUR 225 million with a return on equity of 22.6% and economic value growth of 10.5% at constant economics.
P&C Segment Excellence
The P&C combined ratio for Q2 stood at 82.5%, outperforming the Forward 2026 assumption of below 87%, driven by low catastrophe claims and strong underlying performance.
Life & Health Segment Progress
Life & Health insurance service result was EUR 118 million in Q2, with overall performance in line with full-year expectations.
Investment Portfolio Success
Achieved a 3.5% regular income yield and a 3.6% return on invested assets due to a high-quality fixed income portfolio.
Economic Value and Solvency
Economic value increased by 10.5% at constant economics, and the group solvency ratio remained strong at 210%.
Return on Equity and Economic Value Growth
The 6-month return on equity was 20.1%, and economic value growth was 10.5%, both exceeding targets.
Negative Updates
P&C Insurance Revenue Decline
P&C insurance revenue decreased by 6.6% for the quarter, impacted by large contract commutations and competitive market conditions.
Arbitration with Covéa
Covéa filed a request for arbitration contesting the validity of a settlement agreement, posing potential legal challenges and uncertainties.
FX Impact on Solvency
Solvency ratio was negatively impacted by adverse market variances, notably FX volatility in Q2.
Reduced U.S. Casualty Exposure
Proactive reduction in U.S. casualty book to maintain profitability, signaling pressure in maintaining growth in certain areas.
Company Guidance
During the SCOR Q2 2025 Results Conference Call, extensive guidance was provided regarding the company's financial performance and strategic outlook. SCOR reported a strong first half, with a net income of EUR 225 million, a return on equity of 22.6%, and economic value growth of 10.5%. The P&C segment demonstrated robust performance, achieving a combined ratio of 82.5% in Q2, driven by a low nat cat ratio of 3.8% and a well-managed portfolio. The Life & Health segment also met expectations, contributing significantly to the group's profit. Despite a challenging market environment, SCOR remains optimistic, with a solvency ratio of 210% and strategic initiatives under its Forward 2026 plan. The company anticipates continued growth in both P&C and Life & Health, supported by attractive business opportunities and a disciplined underwriting approach. Furthermore, SCOR addressed ongoing arbitration with Covéa, expressing confidence in a favorable outcome while maintaining its strategic focus and financial targets.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. The income statement shows a volatile performance with revenues decreasing significantly and tight profitability. However, the balance sheet is stable with moderate leverage, and cash flow analysis reveals strong cash generation.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 | 17.82B | 1.57B | 16.27B | 15.98B | 17.68B | 16.97B |
| Gross Profit | 17.82B | 1.57B | 16.24B | 15.86B | 17.68B | 16.97B |
| EBITDA | 0.00 | 520.00M | 1.59B | -1.42B | 884.00M | 560.00M |
| Net Income | 541.00M | 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
Neutral
3.47
Price Trends
3.42
Positive
3.37
Positive
3.13
Positive
Market Momentum
0.02
Positive
48.10
Neutral
43.58
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SCRYY, the sentiment is Neutral. The current price of 3.47 is below the 20-day moving average (MA) of 3.54, above the 50-day MA of 3.42, and above the 200-day MA of 3.13, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 48.10 is Neutral, neither overbought nor oversold. The STOCH value of 43.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
| ― | $2.38B | 6.33 | 15.86% | ― | 28.86% | -11.22% | |
| ― | $11.65B | 6.38 | 18.75% | 0.69% | -4.26% | -47.61% | |
| ― | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | $6.21B | 10.70 | 12.15% | 5.55% | -2.10% | 172.83% | |
| ― | $12.53B | 16.26 | 7.07% | 1.93% | 1.53% | -10.27% | |
| ― | $2.13B | 20.32 | 4.82% | ― | -4.56% | -55.48% | |
| ― | $12.98B | 22.62 | 3.59% | 2.62% | 8.62% | -78.92% |
* Financial Sector Average
SCRYY
SCOR SE
3.48
1.33
61.86%
EG
Everest Group
309.45
-62.13
-16.72%
RGA
Reinsurance Group
189.61
-21.55
-10.21%
RNR
Renaissancere Holdings
247.56
-18.14
-6.83%
SPNT
SiriusPoint
18.25
4.55
33.21%
HG
Hamilton Insurance Group, Ltd. Class B
23.71
6.06
34.33%
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.