(SCR) SCOR SE - Overview
Stock: Reinsurance, Life, Non-Life, P&C, L&H, Asset Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 6.81% |
| Yield on Cost 5y | 9.21% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 75.7% |
| Payout Ratio | 60.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.3% |
| Relative Tail Risk | -14.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.62 |
| Alpha | 14.69 |
| Character TTM | |
|---|---|
| Beta | 0.152 |
| Beta Downside | 0.511 |
| Drawdowns 3y | |
|---|---|
| Max DD | 43.78% |
| CAGR/Max DD | 0.35 |
Description: SCR SCOR SE January 08, 2026
SCOR SE (ticker SCR) is a French-headquartered global reinsurer founded in 1956, operating across Europe, the Middle East, Africa, the Americas, Latin America, and the Asia-Pacific. It offers both life (L&H) and non-life (P&C) reinsurance solutions through its subsidiaries.
The company is split into two main segments. SCOR P&C underwrites property, motor, casualty, credit-surety, aviation, marine, energy, engineering, agricultural, and catastrophe treaties, as well as specialty lines such as cyber, political risk, and environmental liability. SCOR L&H provides mortality, morbidity, disability, long-term care, critical illness, medical, and personal accident protection, together with financial-linked solutions that enhance client liquidity, solvency, and balance-sheet strength, plus longevity products that hedge against longer-than-expected lifespans.
Based on the most recent annual report (2023), SCOR generated net written premiums of roughly €38 billion, posted a combined ratio of about 96 % in its P&C book, and delivered a return on equity near 10 %. Its Solvency II capital ratio stood at approximately 250 %, indicating a strong buffer above regulatory minimums. The asset-management arm contributed roughly €2 billion in investment income, reflecting the firm’s reliance on higher-yielding fixed-income markets.
Key drivers for SCOR’s performance include: (1) the global interest-rate environment, which affects investment returns and the pricing of long-term life contracts; (2) climate-related loss trends that influence catastrophe pricing cycles and capital allocation; and (3) demographic shifts that raise demand for longevity and health-related reinsurance solutions. Conversely, a hardening reinsurance market and tightening underwriting standards could compress margins, especially in cyber and political-risk lines.
For a deeper quantitative breakdown of SCOR’s risk exposure and valuation metrics, a quick look at ValueRay’s analyst toolkit can help you spot any hidden upside.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 875.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.96 > 1.0 |
| NWC/Revenue: 142.2% < 20% (prev 10.35%; Δ 131.8% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.16b > Net Income 875.0m |
| Net Debt (1.17b) to EBITDA (4.90b): 0.24 < 3 |
| Current Ratio: 57.49 > 1.5 & < 3 |
| Outstanding Shares: last quarter (178.9m) vs 12m ago -0.11% < -2% |
| Gross Margin: 94.65% > 18% (prev 0.96%; Δ 9369 % > 0.5%) |
| Asset Turnover: 41.34% > 50% (prev 44.28%; Δ -2.94% > 0%) |
| Interest Coverage Ratio: 52.82 > 6 (EBITDA TTM 4.90b / Interest Expense TTM 92.0m) |
Altman Z'' 4.83
| A: 0.58 (Total Current Assets 22.08b - Total Current Liabilities 384.0m) / Total Assets 37.35b |
| B: 0.00 (Retained Earnings 4.00m / Total Assets 37.35b) |
| C: 0.13 (EBIT TTM 4.86b / Avg Total Assets 36.91b) |
| D: 0.13 (Book Value of Equity 4.12b / Total Liabilities 32.82b) |
| Altman-Z'' Score: 4.83 = AA |
What is the price of SCR shares?
Over the past week, the price has changed by +5.31%, over one month by +3.43%, over three months by +9.12% and over the past year by +22.16%.
Is SCR a buy, sell or hold?
What are the forecasts/targets for the SCR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 31.9 | 10.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 33.5 | 15.6% |
SCR Fundamental Data Overview February 03, 2026
P/E Trailing = 9.2282
P/E Forward = 6.169
P/S = 0.3044
P/B = 1.1237
P/EG = 0.1928
Revenue TTM = 15.26b EUR
EBIT TTM = 4.86b EUR
EBITDA TTM = 4.90b EUR
Long Term Debt = 3.41b EUR (from longTermDebt, last fiscal year)
Short Term Debt = 28.0m EUR (from shortTermDebt, last fiscal year)
Debt = 3.56b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 1.17b EUR (from netDebt column, last fiscal year)
Enterprise Value = 6.78b EUR (4.92b + Debt 3.56b - CCE 1.70b)
Interest Coverage Ratio = 52.82 (Ebit TTM 4.86b / Interest Expense TTM 92.0m)
EV/FCF = 6.03x (Enterprise Value 6.78b / FCF TTM 1.12b)
FCF Yield = 16.57% (FCF TTM 1.12b / Enterprise Value 6.78b)
FCF Margin = 7.36% (FCF TTM 1.12b / Revenue TTM 15.26b)
Net Margin = 5.73% (Net Income TTM 875.0m / Revenue TTM 15.26b)
Gross Margin = 94.65% ((Revenue TTM 15.26b - Cost of Revenue TTM 817.0m) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.18 (Enterprise Value 6.78b / Total Assets 37.35b)
Interest Expense / Debt = 0.93% (Interest Expense 33.0m / Debt 3.56b)
Taxrate = 25.0% (EU avg default 25%)
NOPAT = 3.64b (EBIT 4.86b * (1 - 25.00%))
Current Ratio = 57.49 (Total Current Assets 22.08b / Total Current Liabilities 384.0m)
Debt / Equity = 0.79 (Debt 3.56b / totalStockholderEquity, last fiscal year 4.52b)
Debt / EBITDA = 0.24 (Net Debt 1.17b / EBITDA 4.90b)
Debt / FCF = 1.04 (Net Debt 1.17b / FCF TTM 1.12b)
Total Stockholder Equity = 4.38b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.37% (Net Income 875.0m / Total Assets 37.35b)
RoE = 19.95% (Net Income TTM 875.0m / Total Stockholder Equity 4.38b)
RoCE = 62.33% (EBIT 4.86b / Capital Employed (Equity 4.38b + L.T.Debt 3.41b))
RoIC = 47.33% (NOPAT 3.64b / Invested Capital 7.70b)
WACC = 4.05% (E(4.92b)/V(8.48b) * Re(6.48%) + D(3.56b)/V(8.48b) * Rd(0.93%) * (1-Tc(0.25)))
Discount Rate = 6.48% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.63%
[DCF Debug] Terminal Value 83.55% ; FCFF base≈1.25b ; Y1≈985.7m ; Y5≈645.8m
Fair Price DCF = 104.8 (EV 19.91b - Net Debt 1.17b = Equity 18.74b / Shares 178.8m; r=5.90% [WACC]; 5y FCF grow -25.45% → 2.90% )
EPS Correlation: 41.30 | EPS CAGR: 17.72% | SUE: 0.02 | # QB: 0
Revenue Correlation: -13.95 | Revenue CAGR: 0.87% | SUE: 2.46 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.91 | Chg30d=-0.019 | Revisions Net=-1 | Analysts=1
EPS next Year (2026-12-31): EPS=4.36 | Chg30d=-0.049 | Revisions Net=-3 | Growth EPS=-4.0% | Growth Revenue=+1.8%