| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 3/6 |
| Past Performance | 4/6 |
| Financial Health | 4/6 |
| Dividends | 4/6 |
SCRP Stock Overview
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.
SCOR Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €20.49 |
| 52 Week High | €31.46 |
| 52 Week Low | €18.74 |
| Beta | 1.38 |
| 1 Month Change | 0.79% |
| 3 Month Change | -23.80% |
| 1 Year Change | -17.06% |
| 3 Year Change | -46.33% |
| 5 Year Change | -42.41% |
| Change since IPO | 0.29% |
Recent News & Updates
Shareholder Returns
| SCRP | GB Insurance | GB Market | |
|---|---|---|---|
| 7D | 0.8% | 1.6% | 1.3% |
| 1Y | -17.1% | -21.9% | -8.4% |
Return vs Industry: SCRP exceeded the UK Insurance industry which returned -21.9% over the past year.
Return vs Market: SCRP underperformed the UK Market which returned -8.4% over the past year.
Price Volatility
| SCRP volatility | |
|---|---|
| SCRP Average Weekly Movement | n/a |
| Insurance Industry Average Movement | 5.2% |
| Market Average Movement | 5.4% |
| 10% most volatile stocks in GB Market | 11.0% |
| 10% least volatile stocks in GB Market | 2.7% |
Stable Share Price: Insufficient data to determine SCRP's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine SCRP's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1970 | 3,590 | Laurent Rousseau | https://www.scor.com |
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, 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.
SCOR Fundamentals Summary
| SCRP fundamental statistics | |
|---|---|
| Market Cap | €3.45b |
| Earnings (TTM) | €331.00m |
| Revenue (TTM) | €17.82b |
10.4x
P/E Ratio0.2x
P/S RatioIs SCRP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SCRP income statement (TTM) | |
|---|---|
| Revenue | €17.82b |
| Cost of Revenue | €18.85b |
| Gross Profit | -€1.02b |
| Other Expenses | -€1.35b |
| Earnings | €331.00m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Jul 28, 2022
| Earnings per share (EPS) | 1.94 |
| Gross Margin | -5.74% |
| Net Profit Margin | 1.86% |
| Debt/Equity Ratio | 41.4% |
How did SCRP perform over the long term?
See historical performance and comparisonDividends
8.9%
Current Dividend Yield100%
Payout RatioValuation
Is SCRP undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
6/6Valuation Score 6/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Analyst Forecast
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SCRP?
Other financial metrics that can be useful for relative valuation.
| What is SCRP's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | €3.45b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 0.4x |
| Enterprise Value/EBITDA | 9.3x |
| PEG Ratio | 0.4x |
Price to Earnings Ratio vs Peers
How does SCRP's PE Ratio compare to its peers?
| SCRP PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 14.4x | ||
HSX Hiscox | 19.6x | 37.8% | UK£3.0b |
DLG Direct Line Insurance Group | 7.9x | 7.4% | UK£2.6b |
BEZ Beazley | 21.3x | 34.6% | UK£3.2b |
ADM Admiral Group | 8.8x | -6.5% | UK£5.1b |
SCRP SCOR | 10.4x | 29.1% | €3.4b |
Price-To-Earnings vs Peers: SCRP is good value based on its Price-To-Earnings Ratio (10.4x) compared to the peer average (14.4x).
Price to Earnings Ratio vs Industry
How does SCRP's PE Ratio compare vs other companies in the European Insurance Industry?
Price-To-Earnings vs Industry: SCRP is good value based on its Price-To-Earnings Ratio (10.4x) compared to the UK Insurance industry average (15.1x)
Price to Earnings Ratio vs Fair Ratio
What is SCRP's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 10.4x |
| Fair PE Ratio | 27.2x |
Price-To-Earnings vs Fair Ratio: SCRP is good value based on its Price-To-Earnings Ratio (10.4x) compared to the estimated Fair Price-To-Earnings Ratio (27.2x).
Share Price vs Fair Value
What is the Fair Price of SCRP when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SCRP (€20.49) is trading below our estimate of fair value (€58.69)
Significantly Below Fair Value: SCRP is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
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Future Growth
How is SCOR forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Future Growth Score
3/6Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
29.1%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SCRP's forecast earnings growth (29.1% per year) is above the savings rate (0.9%).
Earnings vs Market: SCRP's earnings (29.1% per year) are forecast to grow faster than the UK market (10.3% per year).
High Growth Earnings: SCRP's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SCRP's revenue (3.6% per year) is forecast to grow slower than the UK market (3.9% per year).
High Growth Revenue: SCRP's revenue (3.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SCRP's Return on Equity is forecast to be low in 3 years time (12.1%).
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Past Performance
How has SCOR performed over the past 5 years?
Past Performance Score
4/6Past Performance Score 4/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-4.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SCRP has high quality earnings.
Growing Profit Margin: SCRP's current net profit margins (1.9%) are higher than last year (0.7%).
Past Earnings Growth Analysis
Earnings Trend: SCRP's earnings have declined by 4.3% per year over the past 5 years.
Accelerating Growth: SCRP's earnings growth over the past year (182.9%) exceeds its 5-year average (-4.3% per year).
Earnings vs Industry: SCRP earnings growth over the past year (182.9%) exceeded the Insurance industry -8.8%.
Return on Equity
High ROE: SCRP's Return on Equity (4.2%) is considered low.
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Financial Health
How is SCOR's financial position?
Financial Health Score
4/6Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: SCRP's short term assets (€25.3B) exceed its short term liabilities (€2.6B).
Long Term Liabilities: SCRP's short term assets (€25.3B) do not cover its long term liabilities (€42.1B).
Debt to Equity History and Analysis
Debt Level: SCRP's net debt to equity ratio (5.3%) is considered satisfactory.
Reducing Debt: SCRP's debt to equity ratio has increased from 40.8% to 41.4% over the past 5 years.
Debt Coverage: SCRP's debt is well covered by operating cash flow (54.4%).
Interest Coverage: SCRP's interest payments on its debt are well covered by EBIT (5.9x coverage).
Balance Sheet
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Dividend
What is SCOR current dividend yield, its reliability and sustainability?
Dividend Score
4/6Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Cash Flow Coverage
8.90%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SCRP's dividend (8.9%) is higher than the bottom 25% of dividend payers in the UK market (1.84%).
High Dividend: SCRP's dividend (8.9%) is in the top 25% of dividend payers in the UK market (5.26%)
Stability and Growth of Payments
Stable Dividend: SCRP's dividend payments have been volatile in the past 10 years.
Growing Dividend: SCRP's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its high payout ratio (99.9%), SCRP's dividend payments are not well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its low cash payout ratio (18.1%), SCRP's dividend payments are well covered by cash flows.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
0.9yrs
Average management tenure
CEO
Laurent Rousseau (43 yo)
1
Tenure
€1,407,832
Compensation
Mr. Laurent Rousseau serves as Chief Executive Officer and Director at SCOR SE since July 1, 2021. He has been Deputy Chief Executive Officer at SCOR Global P&C SE since April 2018 and CEO of the Specialty...
CEO Compensation Analysis
Compensation vs Market: Laurent's total compensation ($USD1.44M) is below average for companies of similar size in the UK market ($USD3.06M).
Compensation vs Earnings: Insufficient data to compare Laurent's compensation with company performance.
Leadership Team
Experienced Management: SCRP's management team is not considered experienced ( 0.9 years average tenure), which suggests a new team.
Board Members
Experienced Board: SCRP's board of directors are considered experienced (6.8 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 employee growth, exchange listings and data sources
Key Information
- Name: SCOR SE
- Ticker: SCRP
- Exchange: BATS-CHIXE
- Founded: 1970
- Industry: Reinsurance
- Sector: Insurance
- Implied Market Cap: €3.449b
- Shares outstanding: 170.58m
- Website: https://www.scor.com
Number of Employees
Location
- SCOR SE
- 5, Avenue KlEber
- Cedex 16
- Paris
- Ile-de-France
- 75795
- France
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/07/25 00:00 |
| End of Day Share Price | 2022/07/21 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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.