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SCOR SE (SCRYY)
OTHER OTC:SCRYY
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SCOR SE
(OTC:SCRYY)
Rating:67Neutral
Price Target:
$3.50
▲(3.86% Upside)
SCOR SE (SCRYY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.04B
Dividend Yield5.78%
Average Volume (3M)701.00
Price to Earnings (P/E)10.2
Beta (1Y)0.83
Revenue Growth-2.41%
EPS Growth173.00%
CountryUS
Employees3,621
SectorFinancial
Sector Strength67
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)0.14
Shares Outstanding1,793,637,000
10 Day Avg. Volume748
30 Day Avg. Volume701
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market Cap1.66
Enterprise Value/Revenue0.57
Enterprise Value/Gross Profit0.50
Enterprise Value/Ebitda-178.52
Forecast
1Y Price Target
$3.50Price Target Upside3.86% Upside
Rating ConsensusHold
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 reinsurance premiums collected from its clients, which are insurance companies seeking to mitigate their own risks. In the Life & Health segment, SCOR SE offers solutions for mortality, longevity, and health risks, whereas, in the Property & Casualty segment, it covers risks related to property, liability, motor, specialty lines, and catastrophe events. The company's earnings are influenced by the underwriting profits, which are the difference between premiums collected and claims paid out, as well as investment income from its portfolio of financial assets. SCOR SE's strategic partnerships, strong global presence, and expertise in risk assessment and management contribute to its ability to attract and retain clients, thereby driving its revenue growth.
SCOR SE Earnings Call Summary
Earnings Call Date:Jul 31, 2025
(Q2-2025)
| % Change Since: -0.30%|
Next Earnings Date:Oct 31, 2025
Earnings Call Sentiment Neutral
The earnings call reflects a strong financial performance in terms of profitability and return on equity, with significant achievements in investment returns and solvency. However, challenges remain with declining P&C revenues and ongoing legal disputes with Covéa, alongside increasing market competition.Q2-2025 Updates
Positive Updates
Strong Financial Performance
SCOR delivered EUR 225 million of net income, a 22.6% return on equity, and an economic value growth of 10.5% at constant economics. The combined ratio for P&C was at 82.5%, well ahead of the target below 87%.
Life & Health Segment Stability
The Life & Health segment generated an insurance service result of EUR 118 million in Q2, with performance in line with expectations and a strong pipeline of business opportunities.
Investment Portfolio Success
SCOR achieved a 3.5% regular income yield and a return on invested assets of 3.6%, benefiting from a high-quality fixed income portfolio and elevated reinvestment rates.
Solvency and Capital Generation
Group solvency ratio stands at 210%, stable compared to the end of 2024, supported by strong net operating capital generation.
Negative Updates
P&C Revenue Decline
P&C insurance revenue is down 6.6% for the quarter, impacted by a large contract commutation and a decline in SCOR Business Solutions.
Arbitration Challenges with Covéa
SCOR faces ongoing arbitration with Covéa contesting the validity of the settlement agreement, adding legal uncertainty.
Increased Competition in Reinsurance Market
The market has become more competitive, particularly in property catastrophe reinsurance, affecting pricing dynamics.
Company Guidance
During the SCOR Q2 2025 Results Conference Call, the company provided guidance with several key financial metrics. SCOR reported a six-month return on equity of 20.1% and economic value growth of 10.5%, both exceeding targets. The Group achieved a net income of EUR 225 million, a return on equity of 22.6%, and a stable group solvency ratio of 210%. P&C performance was strong, with a combined ratio of 82.5%, significantly better than the Forward 2026 target of below 87%, aided by low catastrophe claims and a dynamic retrocession approach. Life & Health delivered an insurance service result of EUR 118 million in Q2, supporting the full-year Forward 2026 assumption of EUR 400 million ISR. Investments yielded a 3.5% regular income yield and a 3.6% return on invested assets. Despite a competitive market, SCOR's strategic decisions in capital allocation and underwriting have positioned it favorably, with a continued focus on diversifying and profitable lines of business.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 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.57B | 16.27B | 3.33B | 16.03B | 15.42B |
| Gross Profit | 1.57B | 16.80B | 3.33B | 16.03B | 15.42B |
| EBITDA | 520.00M | 1.59B | -1.42B | 884.00M | 560.00M |
| Net Income | 4.00M | 812.00M | -302.00M | 456.00M | 234.00M |
Balance Sheet | |||||
| Total Assets | 37.35B | 35.48B | 34.99B | 51.58B | 46.22B |
| Cash, Cash Equivalents and Short-Term Investments | 22.08B | 20.90B | 1.83B | 2.08B | 1.80B |
| Total Debt | 3.55B | 3.24B | 3.13B | 3.06B | 3.03B |
| Total Liabilities | 32.82B | 30.75B | 3.13B | 3.06B | 3.03B |
| Stockholders Equity | 4.52B | 4.69B | 4.32B | 6.41B | 6.16B |
Cash Flow | |||||
| Free Cash Flow | 875.00M | 1.45B | 430.00M | 2.32B | 853.00M |
| Operating Cash Flow | 903.00M | 1.48B | 500.00M | 2.41B | 988.00M |
| Investing Cash Flow | -181.00M | -954.00M | -269.00M | -1.54B | -464.00M |
| Financing Cash Flow | -213.00M | -428.00M | -567.00M | -674.00M | -41.00M |
SCOR SE Technical Analysis
Positive
3.37
Price Trends
3.33
Positive
3.15
Positive
2.83
Positive
Market Momentum
<0.01
Positive
51.29
Neutral
45.83
Neutral
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 3.37 is below the 20-day moving average (MA) of 3.39, above the 50-day MA of 3.33, and above the 200-day MA of 2.83, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 51.29 is Neutral, neither overbought nor oversold. The STOCH value of 45.83 is Neutral, 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 (67)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $11.38B | 6.17 | 18.75% | 0.66% | 23.19% | -22.42% | |
81 Outperform | $2.18B | 6.76 | 15.86% | ― | 35.36% | -3.34% | |
73 Outperform | $12.10B | 15.93 | 7.07% | 2.01% | 1.53% | -10.27% | |
71 Outperform | $2.15B | 20.64 | 4.82% | ― | -4.56% | -55.48% | |
67 Neutral | $17.02B | 11.60 | 9.79% | 3.95% | 10.61% | 2.06% | |
67 Neutral | $6.04B | 10.22 | 12.15% | 5.78% | -2.41% | 173.00% | |
65 Neutral | $4.59B | 155.62 | 0.61% | 0.06% | -4.09% | -94.77% |
* Financial Sector Average
Performance Comparison
SCRYY
SCOR SE
3.37
1.51
81.18%
RGA
Reinsurance Group
181.91
-15.90
-8.04%
RNR
Renaissancere Holdings
239.51
8.22
3.55%
WTM
White Mountains Insurance Group
1,750.35
51.25
3.02%
SPNT
SiriusPoint
18.03
3.57
24.69%
HG
Hamilton Insurance Group, Ltd. Class B
22.29
5.63
33.79%
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.