SCOR SE provides life and non-life reinsurance products worldwide.
Very undervalued 6 star dividend payer.
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: 0IT3's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0IT3 underperformed the UK Insurance industry which returned -26.5% over the past year.
Return vs Market: 0IT3 underperformed the UK Market which returned -22.7% over the past year.
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
No news available
Is SCOR undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0IT3 (€20.01) is trading below our estimate of fair value (€53.98)
Significantly Below Fair Value: 0IT3 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0IT3 is good value based on its PE Ratio (8.8x) compared to the Insurance industry average (13.2x).
PE vs Market: 0IT3 is good value based on its PE Ratio (8.8x) compared to the UK market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: 0IT3 is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: 0IT3 is good value based on its PB Ratio (0.6x) compared to the GB Insurance industry average (1.3x).
How is SCOR forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0IT3's forecast earnings growth (13.5% per year) is above the savings rate (0.5%).
Earnings vs Market: 0IT3's earnings (13.5% per year) are forecast to grow slower than the UK market (15.4% per year).
High Growth Earnings: 0IT3's earnings are forecast to grow, but not significantly.
Revenue vs Market: 0IT3's revenue (4.3% per year) is forecast to grow faster than the UK market (2.6% per year).
High Growth Revenue: 0IT3's revenue (4.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0IT3's Return on Equity is forecast to be low in 3 years time (9.6%).
How has SCOR performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0IT3 has high quality earnings.
Growing Profit Margin: 0IT3's current net profit margins (2.6%) are higher than last year (2.1%).
Past Earnings Growth Analysis
Earnings Trend: 0IT3's earnings have declined by -13.2% per year over the past 5 years.
Accelerating Growth: 0IT3's earnings growth over the past year (31.1%) exceeds its 5-year average (-13.2% per year).
Earnings vs Industry: 0IT3 earnings growth over the past year (31.1%) exceeded the Insurance industry 4.5%.
Return on Equity
High ROE: 0IT3's Return on Equity (6.6%) is considered low.
How is SCOR's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0IT3 has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0IT3's debt is covered by short term assets (assets are 7.1x debt).
Financial Institutions Analysis
Asset Level: 0IT3's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if 0IT3 has a sufficient allowance for bad loans.
Low Risk Liabilities: 0IT3 reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 0IT3 has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0IT3 has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 0IT3 has an appropriate level of bad loans.
What is SCOR's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: 0IT3's dividend (8.97%) is higher than the bottom 25% of dividend payers in the UK market (2.7%).
High Dividend: 0IT3's dividend (8.97%) is in the top 25% of dividend payers in the UK market (7.3%)
Stability and Growth of Payments
Stable Dividend: 0IT3's dividends per share have been stable in the past 10 years.
Growing Dividend: 0IT3's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: At its current payout ratio (79.2%), 0IT3's payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0IT3's dividends in 3 years are forecast to be covered by earnings (57% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Denis Kessler (67yo)
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 ($USD7.39M) is above average for companies of similar size in the UK market ($USD2.48M).
Compensation vs Earnings: Denis's compensation has been consistent with company performance over the past year.
|Chairman & CEO||17.42yrs||€6.70m||0.83% €31.0m|
|Group Chief Financial Officer||6.92yrs||no data||no data|
|Group Chief Operating Officer||4.17yrs||no data||no data|
|Group Chief Risk Officer||13.25yrs||no data||no data|
|Chief Executive Officer of SCOR Global Investments||11.5yrs||no data||no data|
|Chief Executive Officer of SCOR Global Life||6.25yrs||no data||no data|
|Chief Executive Officer of SCOR Global P&C||1yr||no data||no data|
|Head of the Group Investment Office||no data||no data||no data|
|Chief Information Officer||no data||no data||no data|
|Head of Investor Relations||no data||no data||no data|
Experienced Management: 0IT3's management team is seasoned and experienced (6.8 years average tenure).
|Chairman & CEO||17.42yrs||€6.70m||0.83% €31.0m|
|Independent Director||7yrs||€156.00k||0.0012% €45.3k|
|Independent Director||4yrs||€165.00k||0.00062% €23.2k|
|Lead Independent Director||3.25yrs||€140.00k||0.00079% €29.6k|
|Employee Representative Director||2yrs||€76.00k||0.019% €695.0k|
|Independent Director||5yrs||€74.00k||0.00060% €22.5k|
|Independent Director||5yrs||€83.00k||0.00079% €29.6k|
|Independent Director||7yrs||€125.00k||0.0020% €73.4k|
|Independent Director||5yrs||€138.00k||0.00079% €29.6k|
Experienced Board: 0IT3's board of directors are considered experienced (4.9 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
SCOR SE's company bio, employee growth, exchange listings and data sources
- Name: SCOR SE
- Ticker: 0IT3
- Exchange: LSE
- Founded: 1970
- Industry: Reinsurance
- Sector: Insurance
- Market Cap: €3.743b
- Shares outstanding: 186.38m
- Website: https://www.scor.com
Number of Employees
- SCOR SE
- 5, Avenue Kléber
- Cedex 16
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|SCR||ENXTPA (Euronext Paris)||Yes||Common Stock||FR||EUR||Feb 1994|
|SDRC||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Feb 1994|
|SCR||SWX (SIX Swiss Exchange)||Yes||Common Stock||CH||CHF||Feb 1994|
|0IT3||LSE (London Stock Exchange)||Yes||Common Stock||GB||EUR||Feb 1994|
|SZCR.F||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Feb 1994|
|SCRP||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Common Stock||GB||EUR||Feb 1994|
|SCRZ||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Common Stock||GB||CHF||Feb 1994|
|SDRC||ETLX (Eurotlx)||Yes||Common Stock||IT||EUR||Feb 1994|
|SCRY.Y||OTCPK (Pink Sheets LLC)||SPONSORED ADR||US||USD||Oct 1996|
SCOR SE provides life and non-life reinsurance products worldwide. It operates through SCOR Global P&C and SCOR Global Life segments. The SCOR Global P&C segment offers reinsurance products in the areas of property and casualty treaties; specialty treaties, including credit and surety, decennial, agriculture, marine and energy, aviation, engineering, and space solutions; business solutions; 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, the company is involved in the asset management business. SCOR SE was founded in 1970 and is headquartered in Paris, France.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/01 02:42|
|End of Day Share Price||2020/03/31 00:00|
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.