SCOR SE Logo

SCOR SE

SCR.PA

(1.5)
Stock Price

20,48 EUR

0.57% ROA

4.25% ROE

17.73x PER

Market Cap.

3.494.747.061,00 EUR

71.85% DER

9.23% Yield

1.15% NPM

SCOR SE Stock Analysis

SCOR SE Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

SCOR SE Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.99x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 DER

The stock maintains a fair debt to equity ratio (62%), indicating a reasonable balance between the money it owes and the ownership it possesses.

4 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

5 ROE

The stock's ROE indicates a negative return (-5.26%) on shareholders' equity, suggesting poor financial performance.

6 ROA

The stock's ROA (-0.57%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

7 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (-220) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

SCOR SE Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

SCOR SE Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

SCOR SE Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

SCOR SE Revenue
Year Revenue Growth
1996 1.814.671.880
1997 2.390.717.665 24.1%
1998 2.551.388.877 6.3%
1999 2.741.000.000 6.92%
2000 3.377.000.000 18.83%
2001 4.010.000.000 15.79%
2002 4.482.000.000 10.53%
2003 3.761.000.000 -19.17%
2004 2.551.000.000 -47.43%
2005 2.486.000.000 -2.61%
2006 3.336.000.000 25.48%
2007 4.739.000.000 29.61%
2008 5.759.000.000 17.71%
2009 5.515.000.000 -4.42%
2010 5.867.000.000 6%
2011 8.163.000.000 28.13%
2012 9.914.000.000 17.66%
2013 10.619.000.000 6.64%
2014 11.688.000.000 9.15%
2015 13.930.000.000 16.09%
2016 14.369.000.000 3.06%
2017 15.334.000.000 6.29%
2018 15.639.000.000 1.95%
2019 0 0%
2019 15.028.000.000 100%
2020 15.423.000.000 2.56%
2021 16.034.000.000 3.81%
2022 3.328.000.000 -381.79%
2023 16.803.000.000 80.19%
2024 17.096.000.000 1.71%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

SCOR SE Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

SCOR SE General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 35.000.000 100%
2010 33.000.000 -6.06%
2011 293.000.000 88.74%
2012 349.000.000 16.05%
2013 373.000.000 6.43%
2014 414.000.000 9.9%
2015 484.000.000 14.46%
2016 482.000.000 -0.41%
2017 535.000.000 9.91%
2018 537.000.000 0.37%
2019 0 0%
2019 564.000.000 100%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

SCOR SE EBITDA
Year EBITDA Growth
1996 178.236.552
1997 262.192.916 32.02%
1998 214.936.268 -21.99%
1999 136.144.582 -57.87%
2000 57.279.900 -137.68%
2001 -621.000.000 109.22%
2002 -459.624.390 -35.11%
2003 -228.504.000 -101.15%
2004 278.913.200 181.93%
2005 189.323.460 -47.32%
2006 401.000.000 52.79%
2007 524.000.000 23.47%
2008 335.000.000 -56.42%
2009 401.000.000 16.46%
2010 453.000.000 11.48%
2011 523.000.000 13.38%
2012 435.000.000 -20.23%
2013 534.000.000 18.54%
2014 562.000.000 4.98%
2015 743.000.000 24.36%
2016 630.000.000 -17.94%
2017 232.000.000 -171.55%
2018 381.000.000 39.11%
2019 0 0%
2019 685.000.000 100%
2020 442.000.000 -54.98%
2021 1.096.000.000 59.67%
2022 -229.000.000 578.6%
2023 -21.000.000 -990.48%
2024 -108.000.000 80.56%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

SCOR SE Gross Profit
Year Gross Profit Growth
1996 1.814.671.880
1997 2.390.717.665 24.1%
1998 2.551.388.877 6.3%
1999 2.741.000.000 6.92%
2000 3.377.000.000 18.83%
2001 4.010.000.000 15.79%
2002 4.482.000.000 10.53%
2003 3.761.000.000 -19.17%
2004 2.551.000.000 -47.43%
2005 2.486.000.000 -2.61%
2006 3.336.000.000 25.48%
2007 4.739.000.000 29.61%
2008 5.759.000.000 17.71%
2009 5.515.000.000 -4.42%
2010 5.867.000.000 6%
2011 8.163.000.000 28.13%
2012 9.914.000.000 17.66%
2013 10.619.000.000 6.64%
2014 11.688.000.000 9.15%
2015 13.930.000.000 16.09%
2016 14.369.000.000 3.06%
2017 15.334.000.000 6.29%
2018 15.639.000.000 1.95%
2019 0 0%
2019 15.028.000.000 100%
2020 15.423.000.000 2.56%
2021 16.034.000.000 3.81%
2022 3.328.000.000 -381.79%
2023 16.803.000.000 80.19%
2024 18.860.000.000 10.91%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

SCOR SE Net Profit
Year Net Profit Growth
1996 107.162.560
1997 143.783.212 25.47%
1998 145.000.000 0.84%
1999 89.000.000 -62.92%
2000 77.755.220 -14.46%
2001 -365.000.000 121.3%
2002 -561.000.000 34.94%
2003 -577.000.000 2.77%
2004 247.000.000 333.6%
2005 131.000.000 -88.55%
2006 314.000.000 58.28%
2007 410.000.000 23.41%
2008 318.000.000 -28.93%
2009 370.000.000 14.05%
2010 418.000.000 11.48%
2011 329.000.000 -27.05%
2012 418.000.000 21.29%
2013 549.000.000 23.86%
2014 512.000.000 -7.23%
2015 642.000.000 20.25%
2016 603.000.000 -6.47%
2017 286.000.000 -110.84%
2018 322.000.000 11.18%
2019 0 0%
2019 422.000.000 100%
2020 234.000.000 -80.34%
2021 456.000.000 48.68%
2022 -302.000.000 250.99%
2023 812.000.000 137.19%
2024 -1.232.000.000 165.91%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

SCOR SE Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 4
1997 5 40%
1998 39 87.18%
1999 26 -50%
2000 24 -13.04%
2001 -104 122.33%
2002 -143 27.46%
2003 -41 -255%
2004 0 0%
2005 1 100%
2006 3 66.67%
2007 3 -50%
2008 2 -100%
2009 2 50%
2010 2 0%
2011 2 -100%
2012 2 50%
2013 3 0%
2014 3 0%
2015 3 33.33%
2016 3 0%
2017 2 -200%
2018 2 0%
2019 0 0%
2019 2 100%
2020 1 -100%
2021 2 50%
2022 -2 300%
2023 5 125%
2024 -7 166.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

SCOR SE Free Cashflow
Year Free Cashflow Growth
1996 300.921.924
1997 295.748.461 -1.75%
1998 242.016.194 -22.2%
1999 45.000.000 -437.81%
2000 -325.000.000 113.85%
2001 -50.000.000 -550%
2002 269.000.000 118.59%
2003 217.810.600 -23.5%
2003 -116.000.000 287.77%
2004 -233.000.000 50.21%
2005 -742.000.000 68.6%
2006 158.000.000 569.62%
2007 611.000.000 74.14%
2008 764.000.000 20.03%
2009 833.000.000 8.28%
2010 556.000.000 -49.82%
2011 328.000.000 -69.51%
2012 687.000.000 52.26%
2013 847.000.000 18.89%
2014 835.000.000 -1.44%
2015 711.000.000 -17.44%
2016 1.283.000.000 44.58%
2017 1.093.000.000 -17.38%
2018 809.000.000 -35.11%
2019 711.000.000 -13.78%
2020 853.000.000 16.65%
2021 2.319.000.000 63.22%
2022 430.000.000 -439.3%
2023 1.342.000.000 67.96%
2024 124.000.000 -982.26%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

SCOR SE Operating Cashflow
Year Operating Cashflow Growth
1996 404.459.868
1997 305.217.560 -32.52%
1998 274.971.953 -11%
1999 99.000.000 -177.75%
2000 -216.000.000 145.83%
2001 9.000.000 2500%
2002 269.000.000 96.65%
2003 217.810.600 -23.5%
2003 -101.000.000 315.65%
2004 -229.000.000 55.9%
2005 -742.000.000 69.14%
2006 158.000.000 569.62%
2007 611.000.000 74.14%
2008 779.000.000 21.57%
2009 851.000.000 8.46%
2010 656.000.000 -29.73%
2011 530.000.000 -23.77%
2012 761.000.000 30.35%
2013 897.000.000 15.16%
2014 894.000.000 -0.34%
2015 795.000.000 -12.45%
2016 1.354.000.000 41.29%
2017 1.144.000.000 -18.36%
2018 891.000.000 -28.4%
2019 841.000.000 -5.95%
2020 988.000.000 14.88%
2021 2.406.000.000 58.94%
2022 500.000.000 -381.2%
2023 1.375.000.000 63.64%
2024 135.000.000 -918.52%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

SCOR SE Capital Expenditure
Year Capital Expenditure Growth
1996 103.537.944
1997 9.469.099 -993.43%
1998 32.955.759 71.27%
1999 54.000.000 38.97%
2000 109.000.000 50.46%
2001 59.000.000 -84.75%
2002 0 0%
2003 0 0%
2003 15.000.000 100%
2004 4.000.000 -275%
2005 0 0%
2006 0 0%
2007 0 0%
2008 15.000.000 100%
2009 18.000.000 16.67%
2010 100.000.000 82%
2011 202.000.000 50.5%
2012 74.000.000 -172.97%
2013 50.000.000 -48%
2014 59.000.000 15.25%
2015 84.000.000 29.76%
2016 71.000.000 -18.31%
2017 51.000.000 -39.22%
2018 82.000.000 37.8%
2019 130.000.000 36.92%
2020 135.000.000 3.7%
2021 87.000.000 -55.17%
2022 70.000.000 -24.29%
2023 33.000.000 -112.12%
2024 11.000.000 -200%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

SCOR SE Equity
Year Equity Growth
1996 1.147.584.944
1997 1.571.594.635 26.98%
1998 1.571.572.435 -0%
1999 1.357.000.000 -15.81%
2000 1.409.000.000 3.69%
2001 1.500.000.000 6.07%
2002 1.332.000.000 -12.61%
2003 600.000.000 -122%
2004 1.394.000.000 56.96%
2005 1.702.000.000 18.1%
2006 2.253.000.000 24.46%
2007 3.629.000.000 37.92%
2008 3.416.000.000 -6.24%
2009 3.901.000.000 12.43%
2010 4.352.000.000 10.36%
2011 4.410.000.000 1.32%
2012 4.810.000.000 8.32%
2013 4.980.000.000 3.41%
2014 5.729.000.000 13.07%
2015 6.363.000.000 9.96%
2016 6.695.000.000 4.96%
2017 6.225.000.000 -7.55%
2018 5.828.000.000 -6.81%
2019 6.374.000.000 8.57%
2020 6.177.000.000 -3.19%
2021 8.237.000.000 25.01%
2022 6.473.000.000 -27.25%
2023 4.663.000.000 -38.82%
2023 6.874.000.000 32.16%
2024 6.655.000.000 -3.29%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

SCOR SE Assets
Year Assets Growth
1996 7.145.378.872
1997 7.659.397.895 6.71%
1998 7.791.013.930 1.69%
1999 9.385.000.000 16.98%
2000 12.776.000.000 26.54%
2001 16.933.000.000 24.55%
2002 15.936.000.000 -6.26%
2003 13.466.000.000 -18.34%
2004 13.440.000.000 -0.19%
2005 13.829.000.000 2.81%
2006 18.721.000.000 26.13%
2007 25.532.000.000 26.68%
2008 26.534.000.000 3.78%
2009 27.989.000.000 5.2%
2010 28.722.000.000 2.55%
2011 31.319.000.000 8.29%
2012 32.583.000.000 3.88%
2013 34.161.000.000 4.62%
2014 37.406.000.000 8.68%
2015 41.605.000.000 10.09%
2016 43.293.000.000 3.9%
2017 43.234.000.000 -0.14%
2018 44.383.000.000 2.59%
2019 46.878.000.000 5.32%
2020 46.217.000.000 -1.43%
2021 51.576.000.000 10.39%
2022 34.987.000.000 -47.41%
2023 31.811.000.000 -9.98%
2023 35.477.000.000 10.33%
2024 35.467.000.000 -0.03%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

SCOR SE Liabilities
Year Liabilities Growth
1996 5.997.793.928
1997 6.087.803.260 1.48%
1998 6.219.441.495 2.12%
1999 8.028.000.000 22.53%
2000 11.367.000.000 29.37%
2001 15.433.000.000 26.35%
2002 14.604.000.000 -5.68%
2003 12.866.000.000 -13.51%
2004 12.046.000.000 -6.81%
2005 12.127.000.000 0.67%
2006 16.468.000.000 26.36%
2007 21.903.000.000 24.81%
2008 23.118.000.000 5.26%
2009 24.088.000.000 4.03%
2010 24.370.000.000 1.16%
2011 26.909.000.000 9.44%
2012 27.780.000.000 3.14%
2013 2.053.000.000 -1253.14%
2014 2.232.000.000 8.02%
2015 3.155.000.000 29.26%
2016 2.757.000.000 -14.44%
2017 2.702.000.000 -2.04%
2018 2.831.000.000 4.56%
2019 2.930.000.000 3.38%
2020 3.029.000.000 3.27%
2021 3.056.000.000 0.88%
2022 3.133.000.000 2.46%
2023 3.391.000.000 7.61%
2023 3.092.000.000 -9.67%
2024 3.214.000.000 3.8%

SCOR SE Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
95.95
Net Income per Share
1.1
Price to Earning Ratio
17.73x
Price To Sales Ratio
0.2x
POCF Ratio
2.38
PFCF Ratio
2.41
Price to Book Ratio
0.78
EV to Sales
0.3
EV Over EBITDA
-46.21
EV to Operating CashFlow
3.46
EV to FreeCashFlow
3.51
Earnings Yield
0.06
FreeCashFlow Yield
0.41
Market Cap
3,49 Bil.
Enterprise Value
5,08 Bil.
Graham Number
24.86
Graham NetNet
98.72

Income Statement Metrics

Net Income per Share
1.1
Income Quality
7.46
ROE
0.04
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.29
EBT Per Ebit
1.02
Ebit per Revenue
0.04
Effective Tax Rate
0.53

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.16
Operating Profit Margin
0.04
Pretax Profit Margin
0.04
Net Profit Margin
0.01

Dividends

Dividend Yield
0.09
Dividend Yield %
9.23
Payout Ratio
1.66
Dividend Per Share
1.8

Operating Metrics

Operating Cashflow per Share
8.21
Free CashFlow per Share
8.08
Capex to Operating CashFlow
0.01
Capex to Revenue
0
Capex to Depreciation
0.24
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.12

Balance Sheet

Cash per Share
116,67
Book Value per Share
180,08
Tangible Book Value per Share
175.16
Shareholders Equity per Share
24.97
Interest Debt per Share
18.25
Debt to Equity
0.72
Debt to Assets
0.09
Net Debt to EBITDA
-14.44
Current Ratio
7.82
Tangible Asset Value
31,37 Bil.
Net Current Asset Value
-1,59 Bil.
Invested Capital
-21457000000
Working Capital
1,42 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.92

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

SCOR SE Dividends
Year Dividends Growth
2000 2
2001 2 0%
2002 0 0%
2005 0 0%
2006 0 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 2 100%
2011 1 -100%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 4 66.67%
2020 2 -200%
2021 2 0%
2022 2 0%
2023 1 0%
2024 2 0%

SCOR SE Profile

About SCOR SE

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. 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.

CEO
Mr. Thierry Leger
Employee
3.491
Address
5, Avenue KlEber
Paris, 75795

SCOR SE Executives & BODs

SCOR SE Executives & BODs
# Name Age
1 Mr. Jean-Paul Conoscente-Jacopin
Chief Executive Officer of SCOR Property & Casualty
70
2 Mr. Fabian Peder Gultier Uffer
Group Chief Risk Officer
70
3 Ms. Claire Le Gall-Robinson
Group Company Secretary & Group Chief ESG
70
4 Ms. Claudia Dill M.B.A.
Group Chief Operating Officer
70
5 Mr. Redmond Murphy
Deputy Chief Executive Officer of SCOR Life & Health
70
6 Mr. Marc Philippe
Chief Information Officer
70
7 Dr. Francois de Varenne Ph.D.
Group Chief Financial Officer & Deputy Chief Executive Officer
70
8 Mr. Thomas Fossard
Head of Investor Relations
70
9 Mr. Spencer Alridge
Group Chief Compliance Officer
70
10 Mr. Thierry Leger
Chief Executive Officer & Director
70

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