Market Cap
€5.4b
Last Updated
2021/04/19 17:47 UTC
Data Sources
Company Financials +
Executive Summary
SCOR 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. More Details
Rewards
Risk Analysis
Snowflake Analysis
Undervalued with adequate balance sheet and pays a dividend.
Similar Companies
Share Price & News
How has SCOR's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SCR is not significantly more volatile than the rest of French stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: SCR's weekly volatility (3%) has been stable over the past year.
Market Performance
7 Day Return
-1.6%
SCR
0.8%
FR Insurance
2.1%
FR Market
1 Year Return
28.9%
SCR
62.9%
FR Insurance
43.7%
FR Market
Return vs Industry: SCR underperformed the French Insurance industry which returned 62.9% over the past year.
Return vs Market: SCR underperformed the French Market which returned 43.7% over the past year.
Shareholder returns
| SCR | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.6% | 0.8% | 2.1% |
| 30 Day | -3.2% | 3.1% | 5.5% |
| 90 Day | 2.7% | 18.9% | 12.1% |
| 1 Year | 28.9%28.9% | 67.9%62.9% | 46.5%43.7% |
| 3 Year | -10.3%-18.3% | 9.2%-4.4% | 30.9%20.4% |
| 5 Year | 7.1%-11.4% | 57.0%21.1% | 75.6%50.3% |
Long-Term Price Volatility Vs. Market
How volatile is SCOR's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
Does SCOR SE's (EPA:SCR) Weak Fundamentals Mean A Downturn In Its Stock Should Be Expected?4 weeks ago | Simply Wall St
Something To Consider Before Buying SCOR SE (EPA:SCR) For The 6.0% Dividend2 months ago | Simply Wall St
What Type Of Returns Would SCOR's(EPA:SCR) Shareholders Have Earned If They Purchased Their SharesYear Ago?Valuation
Is SCOR undervalued compared to its fair value and its price relative to the market?
42.1%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SCR (€28.93) is trading below our estimate of fair value (€49.96)
Significantly Below Fair Value: SCR is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: SCR is poor value based on its PE Ratio (23x) compared to the XE Insurance industry average (14.2x).
PE vs Market: SCR is good value based on its PE Ratio (23x) compared to the French market (25.8x).
Price to Earnings Growth Ratio
PEG Ratio: SCR is good value based on its PEG Ratio (0.8x)
Price to Book Ratio
PB vs Industry: SCR is good value based on its PB Ratio (0.9x) compared to the XE Insurance industry average (1.1x).
Future Growth
How is SCOR forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?
28.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SCR's forecast earnings growth (28.3% per year) is above the savings rate (0.4%).
Earnings vs Market: SCR's earnings (28.3% per year) are forecast to grow faster than the French market (21.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SCR's revenue (3.9% per year) is forecast to grow slower than the French market (6.9% per year).
High Growth Revenue: SCR's revenue (3.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SCR's Return on Equity is forecast to be low in 3 years time (10.4%).
Past Performance
How has SCOR performed over the past 5 years?
-19.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SCR has high quality earnings.
Growing Profit Margin: SCR's current net profit margins (1.4%) are lower than last year (2.6%).
Past Earnings Growth Analysis
Earnings Trend: SCR's earnings have declined by 19.2% per year over the past 5 years.
Accelerating Growth: SCR's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SCR had negative earnings growth (-44.6%) over the past year, making it difficult to compare to the Insurance industry average (-12.1%).
Return on Equity
High ROE: SCR's Return on Equity (3.7%) is considered low.
Financial Health
How is SCOR's financial position?
Financial Position Analysis
Short Term Liabilities: SCR's short term assets (€20.7B) do not cover its short term liabilities (€24.6B).
Long Term Liabilities: SCR's short term assets (€20.7B) exceed its long term liabilities (€15.4B).
Debt to Equity History and Analysis
Debt Level: SCR's debt to equity ratio (49.1%) is considered high.
Reducing Debt: SCR's debt to equity ratio has reduced from 50% to 49.1% over the past 5 years.
Debt Coverage: SCR's debt is well covered by operating cash flow (32.6%).
Interest Coverage: SCR's interest payments on its debt are well covered by EBIT (4.3x coverage).
Balance Sheet
Dividend
What is SCOR current dividend yield, its reliability and sustainability?
6.22%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SCR's dividend (6.22%) is higher than the bottom 25% of dividend payers in the French market (1.29%).
High Dividend: SCR's dividend (6.22%) is in the top 25% of dividend payers in the French market (3.94%)
Stability and Growth of Payments
Stable Dividend: SCR's dividend payments have been volatile in the past 10 years.
Growing Dividend: SCR's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (143.3%), SCR's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SCR's dividends in 3 years are forecast to be covered by earnings (57.5% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.2yrs
Average management tenure
CEO
Denis Kessler (68 yo)
18.42yrs
Tenure
€5,152,153
Compensation
Mr. Denis Jean-Marie Kessler serves as Chairman and Chief Executive Officer at SCOR Holding (Switzerland) AG and SCOR SE since November 4, 2002. Mr. Kessler serves as the Chairman at SCOR Reinsurance Compa...
CEO Compensation Analysis
Compensation vs Market: Denis's total compensation ($USD6.17M) is above average for companies of similar size in the French market ($USD3.04M).
Compensation vs Earnings: Denis's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: SCR's management team is seasoned and experienced (5.2 years average tenure).
Board Members
Experienced Board: SCR's board of directors are considered experienced (4.6 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
SCOR SE's company bio, employee growth, exchange listings and data sources
Key Information
- Name: SCOR SE
- Ticker: SCR
- Exchange: ENXTPA
- Founded: 1970
- Industry: Reinsurance
- Sector: Insurance
- Market Cap: €5.424b
- Shares outstanding: 186.47m
- Website: https://www.scor.com
Number of Employees
Location
- SCOR SE
- 5, Avenue Kléber
- Cedex 16
- Paris
- Ile-de-France
- 75795
- France
Listings
Biography
SCOR 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,...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/04/19 17:47 |
| End of Day Share Price | 2021/04/19 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.