SCOR SE

LSE:0IT3 Stock Report

Market Cap: €4.3b

SCOR Valuation

Is 0IT3 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0IT3 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0IT3 (€23.68) is trading below our estimate of fair value (€72)

Significantly Below Fair Value: 0IT3 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0IT3?

Key metric: As 0IT3 is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for 0IT3. This is calculated by dividing 0IT3's market cap by their current revenue.
What is 0IT3's PS Ratio?
PS Ratio0.3x
Sales€15.62b
Market Cap€4.32b

Price to Sales Ratio vs Peers

How does 0IT3's PS Ratio compare to its peers?

The above table shows the PS ratio for 0IT3 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average0.8x
CRE Conduit Holdings
1.4x14.4%UK£752.7m
HSX Hiscox
1.2x11.4%UK£3.5b
PHNX Phoenix Group Holdings
0.2x-27.6%UK£5.0b
DLG Direct Line Insurance Group
0.6x0.7%UK£2.0b
0IT3 SCOR
0.3x9.5%€4.3b

Price-To-Sales vs Peers: 0IT3 is good value based on its Price-To-Sales Ratio (0.3x) compared to the peer average (0.8x).

Price to Sales Ratio vs Industry

How does 0IT3's PS Ratio compare vs other companies in the GB Insurance Industry?

1 CompanyPrice / SalesEstimated GrowthMarket Cap
RQIH R&Q Insurance Holdings
0.001xn/aUS$360.20k
No more companies available in this PS range
0IT3 0.3xIndustry Avg. 1.0xNo. of Companies3PS00.61.21.82.43+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: 0IT3 is good value based on its Price-To-Sales Ratio (0.3x) compared to the European Insurance industry average (1x).

Price to Sales Ratio vs Fair Ratio

What is 0IT3's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0IT3 PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.3x
Fair PS Ratio0.6x

Price-To-Sales vs Fair Ratio: 0IT3 is good value based on its Price-To-Sales Ratio (0.3x) compared to the estimated Fair Price-To-Sales Ratio (0.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0IT3 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€23.54
€26.19
+11.3%
15.9%€36.00€19.00n/a15
Nov ’25€19.85
€25.59
+28.9%
21.7%€37.00€18.00n/a15
Oct ’25€19.95
€25.65
+28.6%
22.1%€37.00€18.00n/a15
Sep ’25€18.96
€26.05
+37.4%
22.4%€37.00€18.00n/a15
Aug ’25€19.40
€27.89
+43.7%
19.3%€37.00€19.00n/a15
Jul ’25€24.52
€33.75
+37.6%
9.3%€39.00€27.00n/a15
Jun ’25€26.42
€33.96
+28.6%
8.1%€39.00€28.00n/a15
May ’25€30.74
€34.79
+13.2%
9.2%€40.00€28.00n/a15
Apr ’25€32.05
€34.47
+7.5%
9.5%€40.00€28.00n/a15
Mar ’25€27.66
€32.99
+19.3%
7.0%€37.00€27.00n/a16
Feb ’25€27.92
€32.96
+18.0%
7.1%€37.00€27.00n/a16
Jan ’25€26.45
€32.91
+24.4%
8.1%€37.00€27.00n/a16
Dec ’24€28.84
€32.91
+14.1%
8.1%€37.00€27.00n/a16
Nov ’24€29.20
€31.97
+9.5%
12.9%€37.00€23.50€19.8516
Oct ’24€29.34
€31.28
+6.6%
11.9%€36.40€23.50€19.9516
Sep ’24€28.37
€30.68
+8.2%
11.4%€36.00€23.50€18.9616
Aug ’24€27.37
€30.68
+12.1%
11.4%€36.00€23.50€19.4016
Jul ’24€26.94
€27.87
+3.4%
14.9%€35.00€20.00€24.5217
Jun ’24€24.46
€27.75
+13.5%
14.5%€34.00€20.00€26.4217
May ’24€23.48
€26.63
+13.4%
11.9%€32.00€20.00€30.7417
Apr ’24€20.95
€26.69
+27.4%
12.1%€32.00€20.00€32.0517
Mar ’24€23.21
€25.68
+10.6%
16.0%€32.00€17.50€27.6616
Feb ’24€22.31
€25.43
+14.0%
15.9%€32.00€17.50€27.9216
Jan ’24€21.76
€23.76
+9.2%
17.7%€30.00€16.50€26.4516
Dec ’23€18.81
€23.73
+26.2%
17.8%€30.00€16.50€28.8416
Nov ’23€16.02
€23.60
+47.3%
18.5%€30.00€16.00€29.2016

Analyst Forecast: Target price is less than 20% higher than the current share price.

Discover undervalued companies

Hiscox

UK£3.5b

Through its subsidiaries, provides insurance and reinsurance services in the United Kingdom, Europe, the United States, and internationally.

HSX

UK£10.36

7D

-2.3%

1Y

3.1%

Münchener Rückversicherungs-Gesellschaft in München

€62.6b

Engages in the insurance and reinsurance businesses worldwide.

0KFE

€472.30

7D

-1.5%

1Y

24.0%

Powszechny Zaklad Ubezpieczen

zł35.5b

Provides life and non-life insurance products and services in Poland, the Baltic States, and Ukraine.

0MYY

zł41.01

7D

-0.3%

1Y

n/a