SCOR SE (SCRYY) Fair Value & Analysis

Financial Services · US · Market cap $6.6B

Below-average quality, screening 46% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($4.51). The market is more pessimistic than our downside scenario.
• Solid quality (46/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $1.06 – $4.12 · fair‑value band $4.51 – $7.51 · the $4.12 price screens below the $6.00 fair value. Dashed = 300-day average. As of Jul 27, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

SCOR SE (SCRYY) currently trades at $4.12, while our model-based Fair Value estimate is $6.00, implying the stock looks roughly 45.7% undervalued today. The Quality Score stands at 46/100 (below-average 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 $1.3B. Fundamentals as of Jul 27, 2026

Our scenario range runs from $4.51 (bear case) to $7.51 (bull case); at $4.12, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 49% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 96% fair-value upside, at 46%, SCRYY screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Economic Profit ($3.88) versus Asset-Based ($1.66). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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, balance sheet, solvency, and income improvements to clients; and 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. The company is involved in the asset management business. SCOR SE was incorporated in 1956 and is headquartered in Paris, France.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

SCOR SE reported revenue of $14.8B in FY2025 versus $16.0B in FY2021, a compound −1.9%/yr. Reported net income was $851M in FY2025, compounding +16.9%/yr from FY2021.

Watch SCRYY: get an alert when its fair value changes →

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

• SCOR SE (SCRYY) (Q2 2026) Earnings Call Highlights: Strong Net Income and Solvency Ratio Amid ... Yahoo Finance · Jul 30, 2026
• SCOR announces the availability of its 2026 Interim Financial Report Yahoo Finance · Jul 30, 2026
• Japan Post Insurance and SCOR sign MOU Regarding the Ceding (Retrocession) of “Postal Life Insurance Policies” and Investment in a Reinsuran Yahoo Finance · Jul 10, 2026
• SCOR acknowledges the arbitration award confirming the validity of the retrocession treaties entered into with Covéa in June 2021 Yahoo Finance · Jun 25, 2026

Peer Group

Insurance - Reinsurance · 28 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Insurance - Reinsurance median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

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.