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SCOR SE (SCR) Fair Value & Analysis

Financial Services · FR · Market cap €5.5B

SS SCOR SE SCR · PA
Price€31.82
Fair Value€61.92
Upside+94.6%
Quality95/100
Evidence: High Range €46.44 – €77.41

Fair value as of: Jun 26, 2026

From 26 valuation models · updated 3 days ago

Share price +2.5% over the past month.

Price vs Fair Value (12 months)

€33.17 €24.15 Fair Value €61.92 Jul 2025 Jun 2026

12‑month range €24.15 – €33.17 · fair‑value band €46.44 – €77.41 · the €31.82 price screens below the €61.92 fair value. As of Jun 26, 2026.

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Analysis

SCOR SE (SCR) currently trades at €31.82, while our model-based Fair Value estimate is €61.92 — implying the stock looks roughly 94.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, SCOR SE generated revenue of €15.5B at a net margin of 5.7%. Revenue declined 6.5% year over year. It earns a return on equity of 13.2%. Net debt stands at €1.7B. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) €15.5B
Revenue growth (YoY) -6.5%
Net margin 5.7%
Return on equity 13.2%
Free cash flow €1.0B FY2025
P/E ratio 6.6
More key figures
Operating margin 11.5%
EPS (TTM) €4.68
EPS growth (YoY) +12.4%
Net debt €1.7B FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

SCOR SE, together with its subsidiaries, provides life and non-life reinsurance products in Europe, the Middle East, Africa, the Americas, Latin America, and the Asia Pacific. It operates in two segments, SCOR P&C and SCOR L&H. The SCOR P&C segment offers reinsurance products in the areas of property, motors, casualty treaties, credit and surety, decennial insurance, aviation, marine and energy, engineering, cyber agricultural risks, and binders and facilities; It also provides business solutions including corporate risk insurance, as well as specialist lines, such as Political and Credit risk and Environmental Liability; and binders and facilities. The SCOR L&H segment provides life reinsurance products, such as 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, bal…

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

SCOR SE reported revenue of €16.2B in FY2025 versus €16.0B in FY2021, a compound +0.4%/yr. Reported net income was €851M in FY2025, compounding +16.9%/yr from FY2021.

Revenue +0.4%/yr
FY21 €16.0B
FY22 €16.4B
FY23 €15.8B
FY24 €15.7B
FY25 €16.2B
Net income +16.9%/yr
FY21 €456M
FY22 −€1.4B
FY23 €812M
FY24 €4.0M
FY25 €851M

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Frequently asked questions

Is SCOR SE (SCR) undervalued?
As of Jun 26, 2026, our model estimates a fair value of €61.92 versus a price of €31.82 — about +95% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SCR?
Our 21-model fair value for SCOR SE is €61.92 (as of Jun 26, 2026), built from audited fundamentals. The current price is €31.82.
What is the quality score of SCR?
SCOR SE has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of SCOR SE (SCR)?
SCOR SE reported trailing-twelve-month revenue of about €15.5B (latest available figure, as of Jun 26, 2026).
What is the net profit margin of SCR?
The net profit margin of SCOR SE is about 5.7%, meaning it keeps roughly 5.7% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.