Scor SE SCRYY

FinancialsInsuranceFrance

Last close 3.85 USD on Nov 3, 2026, +24.8% year to date

Quant rating

Quant rating D Rank 284 of 304 in Financials

Growth D 230 of 304
Valuation D 289 of 304
Quality D 271 of 304
Revisions D 253 of 304
Momentum B 85 of 304

Historical valuation

Valuation history unavailable.

Key data

Market cap: 6.9B
Enterprise value: 6.9B
52-week range: 2.95 – 4.17
3-year range: 1.90 – 4.17
Dividend yield: 5.79%
Beta (5 years): 0.44
Shares outstanding: 179M
Next earnings: –

About the company

SCOR SE is a France-based company engaged in providing life and non-life reinsurance. The Company's segments include non-life reinsurance and life reinsurance. Its divisions include SCOR Global P&C, SCOR Global Life and SCOR Global Investments. The Company's Non-Life segment is divided into four business areas: Property and Casualty Treaties; Specialty Treaties; Business Solutions (underwriting of corporate accounts), and Business Ventures and Partnerships. It covers all insurable risks of industrial groups and services companies (corporate accounts). The Company's Property and Casualty Treaties business area underwrites proportional and non-proportional reinsurance treaties. Its casualty treaties typically cover original risks of general liability, product liability or professional indemnity. The Company's Global Life segment underwrites Life reinsurance business in the product lines, such as Protection, Financial Solutions and Longevity.

Growth and profitability

Growth and profitability by fiscal year
	–	–	–	–	–	5Y avg
Revenue (mil)	3,873	2,470	3,019	4,184	4,359	–
Revenue growth	56.8%	−18.2%	−27.8%	−4.0%	34.0%	3.6%
EPS (basic, normalized)	–	–	–	–	–	–
EPS growth	–	–	–	–	–	–
Gross margin	–	–	–	–	–	–
Net margin	–	6.6%	9.5%	−13.6%	−10.8%	−2.1%
ROE	–	–	–	–	–	–

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Current ratio	–
Long-term debt (mil)	–
Net debt (mil)	–
Total equity (mil)	–
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
– actual	3,873	+56.8%	1.8x	–	–	–	–	–	–

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
FY1	–	–	–	–	–	–	–	–
FY2	–	–	–	–	–	–	–	–
FY3	–	–	–	–	–	–	–	–

Earnings surprises

Reported results versus consensus, last 10 fiscal quarters
	FQ-9	FQ-8	FQ-7	FQ-6	FQ-5	FQ-4	FQ-3	FQ-2	FQ-1	FQ0
Sales reported (mil)	–	–	–	–	–	–	–	–	–	–
Sales mean (mil)	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–
EPS reported	–	–	–	–	–	–	–	–	–	–
EPS mean	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–

FQ0 is the most recent reported quarter, FQ-1 the one before, and so on.

Peer comparison Insurance

Peers in the same industry group, by market capitalization
Company	Market cap	ROE	Net margin	P/B	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
SCRYY Scor SE	6.9B	–	–	–	–	–	–	–
ALVG Allianz SE	187.7B	35.7%	12.3%	2.66x	14.4x	13.2x	2.7x	2.5x
CB Chubb Limited	140.0B	14.4%	17.4%	1.91x	12.6x	12.4x	1.8x	1.6x
ZURN Zurich Insurance Group AG	115.6B	25.2%	9.0%	3.59x	16.5x	14.4x	3.7x	3.5x
MUVGn Muenchener Rueckversicherungs-Gesellschaft in Muenchen AG	81.0B	18.5%	9.6%	2.14x	10.9x	11.1x	2.1x	2.0x
SRENH Swiss Re AG	56.0B	19.7%	10.5%	2.22x	11.2x	12.0x	2.1x	2.0x
Mean		22.7%	11.8%	2.50x	13.1x	12.6x	2.5x	2.3x
Median		19.7%	10.5%	2.22x	12.6x	12.4x	2.1x	2.0x

Technical analysis

1M+15.4%
3M+0.9%
1Y+38.8%
3Y+59.1%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Scor SE, fiscal years, most recent first
	–	–	–	–	–	–
Premiums earned	3,873	2,470	3,019	4,184	4,359	3,253
Other revenue	0	474	439	558	429	318
Total revenue	3,873	2,943	3,459	4,741	4,788	3,571
Losses, benefits and adjustments	–	2,040	2,389	4,179	4,330	3,416
Amortization of policy acquisition costs	–	617	770	934	954	755
Selling, general & administrative expenses	–	–	–	–	–	–
Depreciation/amortization	–	3.6	0	0	17.8	15.1
Interest expense (income), operating	–	56.8	66.4	41.5	35.7	–
Other operating expenses	3,873	116	−31.2	−161	−94.5	−8.0
Operating income	–	110	264	−252	−454	−608
Net interest income (expense)	–	–	–	–	–	–
Gain (loss) on sale of assets	–	–	–	–	–	–
Other non-operating income (expense)	–	0	0	0	0	0
Net income before taxes	–	110	264	−252	−454	−608
Provision for taxes	0	−85.2	−99.0	361	53.5	−243
Minority interest	–	0	−32.5	−32.7	−13.6	−0.9
Equity in affiliates	–	0	−1.4	1.3	4.2	3.6
U.S. GAAP adjustment	–	–	–	–	–	–
Net income before extraordinary items	–	195	329	−644	−517	−362
Extraordinary items	–	0	5.4	0	0	37.4
Net income	–	195	335	−644	−517	−325
Basic weighted average shares (mil)	–	888	803	136	37.8	34.0
Diluted weighted average shares (mil)	–	989	857	136	37.8	34.0
Basic EPS, normalized	–	–	–	–	–	–

Balance sheet in millions of USD, fiscal years

Balance sheet, Scor SE, fiscal years, most recent first
	–	–	–	–	–	–
Assets
Total receivables	–	–	–	–	–	–
Prepaid expenses	–	34.3	54.2	95.7	136	226
Property, plant & equipment	–	97.1	117	118	21.0	21.4
Goodwill	–	270	283	276	273	254
Intangibles	–	40.3	12.2	70.5	65.1	102
Insurance receivables	–	980	1,093	957	1,143	1,253
Long-term investments	–	7,929	9,051	7,987	7,641	6,520
Note receivable	–	–	–	–	–	–
Other long-term assets	–	287	203	70.5	460	449
Deferred policy acquisition costs	–	650	702	608	477	313
Other assets	–	4,113	4,214	4,646	4,634	4,223
Total assets	–	16,374	18,168	17,123	16,726	15,077
Liabilities
Accounts payable	–	–	–	–	–	–
Payable/accrued	–	–	–	–	–	–
Accrued expenses	–	407	430	493	437	304
Policy liabilities	–	12,601	14,062	14,460	13,820	12,483
Short-term debt	–	72.2	331	17.6	12.6	7.1
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	–	1,171	1,349	1,353	797	777
Minority interest	–	0	248	216	196	169
Other liabilities	–	107	106	135	262	170
Total liabilities	–	14,358	16,526	16,675	15,525	13,911
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	–	903	874	171	546	140
Additional paid-in capital	–	1,803	1,901	1,504	842	870
Retained earnings (accumulated deficit)	–	−645	−912	−1,153	−366	201
Treasury stock	–	−17.8	−16.3	−2.5	0	−153
Other equity	2,973	−28.4	−205	−71.7	181	109
Total equity	2,973	2,015	1,642	448	1,202	1,166
Total liabilities & shareholders' equity	–	16,374	18,168	17,123	16,726	15,077

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Scor SE, fiscal years, most recent first
	–	–	–	–	–	–
Operating activities
Net income	–	195	367	−612	−504	−324
Depreciation, depletion & amortization	–	–	–	–	–	–
Deferred taxes	–	−127	−157	293	79.8	−232
Non-cash items	–	−263	549	618	85.0	42.7
Changes in working capital	–	−684	−1,070	−423	616	521
Cash from operations	–	−879	−310	−123	277	8.0
Investing activities
Capital expenditures	–	0	−5.4	−18.9	−95.5	−52.5
Other investing cash flows	–	691	−605	344	−549	806
Cash from investing	–	691	−610	325	−644	753
Financing activities
Financing cash flow items	–	−217	−17.6	−50.3	−19.9	155
Cash dividends paid	–	−28.4	0	0	−11.5	−47.2
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	–	−41.4	1,165	113	446	553
Cash from financing	–	−287	1,147	62.9	415	661
Foreign exchange effects	–	202	−183	26.4	−51.4	−6.2
Net change in cash	–	−271	43.4	291	−4.2	1,416
Free cash flow	–	−879	−316	−142	182	−44.5

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 3, 2026 after market close.