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SCOR
(SCR)
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Rating:74Outperform
Price Target:
€38.00
▲(13.03% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by improving fundamentals (profitability recovery and solid cash conversion), reinforced by strong technical momentum (price above key moving averages and positive MACD). Valuation is a notable positive given the low P/E and high dividend yield, while the main constraint is persistent revenue pressure and historical earnings volatility.
Positive Factors
Profitability Recovery
The return to sustained profitability after the 2022 loss year indicates that underwriting and investment earnings have recovered. Maintaining this level over the next several quarters would strengthen capital generation and support SCOR’s long-term financial resilience.
Negative Factors
Persistent Revenue Contraction
A multi-year decline in revenue indicates pressure on business volumes, pricing, mix or retention rather than a one-period fluctuation. Continued contraction could limit scale benefits, reduce earnings diversification and weaken SCOR’s competitive position over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Recovery
The return to sustained profitability after the 2022 loss year indicates that underwriting and investment earnings have recovered. Maintaining this level over the next several quarters would strengthen capital generation and support SCOR’s long-term financial resilience.
Read all positive factors
SCOR (SCR) vs. iShares MSCI France ETF (EWQ)
Market Cap
€6.07B
Dividend Yield5.6%
Average Volume (3M)358.90K
Price to Earnings (P/E)7.4
Beta (1Y)0.82
Revenue Growth-5.62%
EPS Growth52.30%
CountryFR
Employees3,610
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)4.60
Shares Outstanding179,389,980
10 Day Avg. Volume296,613
30 Day Avg. Volume358,900
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)1.16
Price to Sales (P/S)0.32
P/FCF Ratio5.07
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€35.80Price Target Upside6.48% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)4.19
Revenue Forecast (FY)€15.58B
SCOR Business Overview & Revenue Model
Company Description
SCOR SE is a prominent global player specializing in life and property & casualty (P&C) reinsurance. The company extends its comprehensive coverage to diverse markets spanning Europe, the Middle East, Africa, the Americas (including Latin America)...
How the Company Makes Money
SCOR makes money mainly by underwriting reinsurance contracts and investing the funds it holds to pay future claims. (1) Underwriting income: SCOR earns reinsurance premiums from insurance company clients in exchange for assuming part of those cli...
SCOR Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
62
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 15.79B | 16.25B | 15.65B | 15.84B | 16.44B | 15.99B |
| Gross Profit | 3.31B | 3.20B | 14.83B | 15.16B | 12.61B | 12.11B |
| EBITDA | 1.23B | 1.57B | 520.00M | 1.58B | -1.32B | 1.23B |
| Net Income | 823.00M | 851.00M | 4.00M | 812.00M | -1.38B | 456.00M |
Balance Sheet | ||||||
| Total Assets | 36.55B | 36.10B | 37.35B | 35.48B | 34.99B | 51.58B |
| Cash, Cash Equivalents and Short-Term Investments | 2.10B | 21.55B | 22.08B | 20.90B | 1.83B | 2.08B |
| Total Debt | 3.36B | 3.57B | 3.56B | 3.24B | 3.16B | 3.22B |
| Total Liabilities | 32.14B | 31.67B | 32.82B | 30.75B | 3.13B | 3.06B |
| Stockholders Equity | 4.41B | 4.43B | 4.52B | 4.69B | 4.32B | 6.41B |
Cash Flow | ||||||
| Free Cash Flow | 813.00M | 1.01B | 895.00M | 1.34B | 430.00M | 2.32B |
| Operating Cash Flow | 846.00M | 1.05B | 903.00M | 1.38B | 500.00M | 2.41B |
| Investing Cash Flow | -298.00M | -883.00M | -183.00M | -954.00M | -269.00M | -1.54B |
| Financing Cash Flow | -528.00M | -362.00M | -213.00M | -323.00M | -567.00M | -674.00M |
SCOR Technical Analysis
Positive
33.62
Price Trends
33.29
Positive
32.16
Positive
29.67
Positive
Market Momentum
0.18
Positive
51.67
Neutral
75.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:SCR, the sentiment is Positive. The current price of 33.62 is below the 20-day moving average (MA) of 33.96, above the 50-day MA of 33.29, and above the 200-day MA of 29.67, indicating a neutral trend. The MACD of 0.18 indicates Positive momentum. The RSI at 51.67 is Neutral, neither overbought nor oversold. The STOCH value of 75.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:SCR.
SCOR Peers Comparison
UnderperformOutperform
Sector (55)
FR:SCR
SCOR
33.90
7.93
30.56%
FR:COFA
Coface SA
16.26
2.02
14.16%
SCOR Corporate Events
SCOR Updates Market on Share Capital and Voting Rights as of July 31, 2026
Jul 31, 2026
SCOR has disclosed that its share capital consisted of 179,400,399 shares as of July 31, 2026, corresponding to an equal number of theoretical voting rights under French market regulations. The publication of these figures, made in line with local...
SCOR Publishes 2026 Interim Financial Report
Jul 30, 2026
SCOR has filed its 2026 Interim Financial Report for the period ended June 30, 2026 with the French securities regulator and made the document available on its website and at its Paris headquarters. The report, prepared under IFRS and subject to a...
SCOR Posts Strong Q2 Earnings and Higher Solvency on Robust P&C and Investment Results
Jul 30, 2026
SCOR reported net income of EUR 171 million for the second quarter of 2026, contributing to EUR 397 million for the first half, with all business lines supporting earnings and an annualized H1 return on equity of 18.5%. Group Economic Value rose t...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.