SCOR SE (SCRYY) AI Stock Analysis

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SCOR SE

(OTC:SCRYY)

Rating:66Neutral

Price Target:

$3.50

▲(8.02% Upside)

SCOR SE's overall stock score is driven by its strong earnings call performance and attractive valuation. Financial performance shows resilience despite revenue challenges, and technical analysis indicates a neutral outlook. The company's strategic focus and strong investment returns are significant positives, while legal uncertainties and competitive pressures in the reinsurance market are risks to monitor.

SCOR SE (SCRYY) vs. SPDR S&P 500 ETF (SPY)

Market Cap

$5.80B

Dividend Yield6%

Average Volume (3M)1.46K

Price to Earnings (P/E)9.9

Beta (1Y)0.84

Revenue Growth-2.10%

EPS Growth172.83%

CountryUS

Employees3,621

SectorFinancial

Sector Strength73

IndustryInsurance - Reinsurance

Share Statistics

EPS (TTM)0.14

Shares Outstanding1,793,637,000

10 Day Avg. Volume1,346

30 Day Avg. Volume1,459

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 Cap1.72

Enterprise Value/Revenue0.57

Enterprise Value/Gross Profit0.50

Enterprise Value/Ebitda-178.52

Forecast

1Y Price Target

$3.50

Price Target Upside8.02% 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 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. While leverage is moderate, declining revenue and profit margins indicate operational pressures that need addressing.

Income Statement

Neutral

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.

Balance Sheet

Positive

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.

Cash Flow

Positive

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.

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

Technical Analysis Sentiment

Neutral

Last Price3.24

Price Trends

50DMA

3.34

Negative

100DMA

3.20

Positive

200DMA

2.90

Positive

Market Momentum

MACD

>-0.01

Positive

RSI

39.73

Neutral

STOCH

46.76

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 3.24 is below the 20-day moving average (MA) of 3.33, below the 50-day MA of 3.34, and above the 200-day MA of 2.90, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 39.73 is Neutral, neither overbought nor oversold. The STOCH value of 46.76 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RNR	84 Outperform	$11.51B	6.26	18.75%	0.65%	23.19%	-22.42%
HG	82 Outperform	$2.32B	6.19	15.86%	―	28.86%	-11.22%
RGA	73 Outperform	$12.72B	16.75	7.07%	1.86%	1.53%	-10.27%
WTM	69 Neutral	$4.73B	22.71	4.47%	0.05%	8.08%	-57.76%
Sector *	68 Neutral	$17.84B	12.03	10.32%	3.73%	9.70%	0.76%
SCRYY	66 Neutral	$5.80B	9.90	12.15%	6.00%	-2.10%	172.83%
SPNT	65 Neutral	$2.14B	20.72	4.82%	―	-4.56%	-55.48%

* Financial Sector Average

Performance Comparison

SCRYY

SCOR SE

3.24

1.16

55.77%

RGA

Reinsurance Group

194.02

-19.36

-9.07%

RNR

Renaissancere Holdings

244.34

-11.49

-4.49%

WTM

White Mountains Insurance Group

1,845.42

28.90

1.59%

SPNT

SiriusPoint

18.61

3.60

23.98%

Hamilton Insurance Group, Ltd. Class B

24.26

4.56

23.15%

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.Date of analysis: Aug 14, 2025