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SCOR SE (SCRYY)
OTHER OTC:SCRYY
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SCOR SE
(OTC:SCRYY)
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Rating:64Neutral
Price Target:
$3.50
▲(6.06% Upside)
Action:ReiteratedDate:11/03/25
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.
Positive Factors
Strong Cash Flow Management
Robust cash flow management enhances SCOR SE's ability to reinvest in growth opportunities and maintain financial stability, supporting long-term operations.
Investment Portfolio Performance
A strong investment portfolio with a solid yield provides SCOR SE with a steady income stream, contributing to financial resilience and profitability.
P&C Segment Performance
The P&C segment's strong performance indicates effective risk management and operational efficiency, bolstering SCOR SE's competitive position in the reinsurance market.
Negative Factors
Revenue Decline
A sharp revenue decline poses a risk to SCOR SE's growth prospects and highlights potential challenges in maintaining market share and client relationships.
Competitive Pressure on Pricing
Competitive pressures on pricing in the P&C segment could erode margins and challenge SCOR SE's ability to sustain profitability in a competitive market.
Solvency Ratio Concerns
Stable solvency ratio despite strong earnings suggests potential issues in capital generation, which could impact SCOR SE's ability to absorb future shocks.
SCOR SE (SCRYY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.04B
Dividend Yield5.81%
Average Volume (3M)121.00
Price to Earnings (P/E)6.2
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-10.73
Price to Book (P/B)0.94
Price to Sales (P/S)0.27
P/FCF Ratio4.88
Enterprise Value/Market Cap1.09
Enterprise Value/Revenue0.37
Enterprise Value/Gross Profit0.37
Enterprise Value/Ebitda15.79
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.49
Revenue Forecast (FY)$19.20B
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 by providing coverage to insurance companies in exchange for premiums. The company earns money through two main segments: Life & Health and Property & Casualty. In the Life & Health segment, SCOR offers reinsurance solutions for mortality, longevity, and health risks, receiving premiums that are invested to generate additional income. In the Property & Casualty segment, the company assumes risks from insurers related to natural disasters, accidents, and other liabilities, collecting premiums and managing claims to maintain profitability. Additionally, SCOR invests its capital in various financial instruments, contributing to its earnings. Key partnerships with insurance companies enhance SCOR's market position, while its focus on sophisticated risk assessment models allows for effective pricing and risk management, further driving revenue growth.
SCOR SE Earnings Call Summary
Earnings Call Date:Oct 31, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:May 06, 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 | 17.67B | 15.65B | 15.84B | 16.44B | 15.99B | 16.97B |
| Gross Profit | 17.82B | 14.83B | 15.16B | 12.61B | 12.11B | 16.97B |
| EBITDA | 417.43M | 520.00M | 1.58B | -1.32B | 1.23B | 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 | 4.11B | 3.55B | 3.24B | 3.13B | 3.06B | 3.03B |
| Total Liabilities | 29.58B | 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
Positive
3.30
Price Trends
3.35
Positive
3.31
Positive
3.32
Positive
Market Momentum
0.08
Negative
60.76
Neutral
84.77
Negative
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 3.3 is below the 20-day moving average (MA) of 3.45, below the 50-day MA of 3.35, and below the 200-day MA of 3.32, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 60.76 is Neutral, neither overbought nor oversold. The STOCH value of 84.77 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $3.08B | 5.37 | 22.39% | ― | 22.79% | -5.17% | |
80 Outperform | $13.12B | 5.38 | 23.79% | 0.57% | -3.96% | -48.08% | |
76 Outperform | $13.95B | 12.03 | 9.74% | 1.76% | 2.10% | 19.23% | |
75 Outperform | $13.54B | 8.86 | 10.85% | 2.37% | 8.62% | -78.92% | |
72 Outperform | $2.46B | 5.71 | 20.86% | ― | 7.87% | -4.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $6.04B | 6.20 | 19.56% | 5.81% | -0.73% | ― |
* Financial Sector Average
SCRYY
SCOR SE
3.36
0.59
21.37%
EG
Everest Group
335.13
-11.94
-3.44%
RGA
Reinsurance Group
212.84
23.32
12.30%
RNR
Renaissancere Holdings
301.68
58.56
24.09%
SPNT
SiriusPoint
21.03
6.27
42.48%
HG
Hamilton Insurance Group, Ltd. Class B
31.10
11.23
56.52%
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.