SCOR PK (SCRYY) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of SCOR PK $4.03, price $3.86, upside +4.4%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $1.06 – $4.14 · fair‑value band $3.09 – $5.23 · the $3.86 price screens below the $4.03 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
SCOR PK (SCRYY) currently trades at $3.86, while our model-based Fair Value estimate is $4.03, so the stock looks roughly fairly valued today (gap 4.2%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of $3.88 per share, and 2 of the 6 models we run sit above the $3.86 price.
Bear case: the Asset-Based group reads lowest at $1.66, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $3.09 (bear) to $5.23 (bull), the price of $3.86 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
SCOR PK 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.
Key figures
Market cap $6.6B · P/E ratio 7.1 · P/S ratio 0.41 · EPS (TTM) $0.5400 · Dividend yield 6.1% · Net margin 5.8% · Return on equity 13.2% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (medium confidence).
What moves the price
The share trades about 7% below its 52-week high and 40% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 20% fair-value upside, at 4%, SCRYY screens richer than that median.
Fair Value models
Bear $3.09Fair Value $4.03Bull $5.23
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.3995 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−5.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.7%
Start year 2020 (pandemic). Over 10 years: +1.4% a year
Revenue growth 29 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−20.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−26.7%
Dividend (yield on the price)6.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−26.7% vs −17.4%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.3% → 8%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+27.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in EUR, euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +25.2% a year for the price.
News mood ⓘNews mood, the average tone of recent news (72 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Insurance - Reinsurance · 25 stocks
Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score45 · Bottom 25%
Fair Value upside+4.4% · Below median
Profitability
Return on equity (TTM)13.2% · Above median
Return on assets2.3% · Below median
Net margin (TTM)5.7% · Bottom 25%
Operating margin (TTM)11.5% · Below median
Growth and dividend
Revenue growth−6.5% · Below median
Dividend yield (TTM)6.1% · Top 25%
Balance sheet
Debt / equity0.78× · Highest 25%
Valuation Multiplesvs Insurance - Reinsurance median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "SCOR PK Fair Value". https://www.fairvalue-calculator.com/stock/SCRYY
Frequently asked questions
Is SCOR PK (SCRYY) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $4.03 versus a price of $3.86, about +4% upside (fairly valued).
What is the fair value of SCRYY?
Our model-based fair value for SCOR PK is $4.03 (as of Sep 24, 2026), built from audited fundamentals. The current price: $3.86.
What is the quality score of SCRYY?
SCOR PK has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for SCOR PK (SCRYY)?
Our model-based price target is the fair value of $4.03 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $3.09, optimistic scenario $5.23. It is a calculation from audited fundamentals, not an analyst target.
What is the SCOR PK stock forecast for 2026?
Our models put fair value at $4.03, about +4% upside versus a price of $3.86 (fairly valued). Cautious scenario $3.09, optimistic scenario $5.23. The calculation is refreshed regularly with new filings.
What is the revenue of SCOR PK (SCRYY)?
SCOR PK reported trailing-twelve-month revenue of about €15.5B (latest available figure, as of Sep 24, 2026).
Does SCOR PK pay a dividend?
SCOR PK currently shows a dividend yield of about 6.06% relative to its recent price (as of Sep 24, 2026).
What growth is priced into SCOR PK (SCRYY)?
For today's price to be fair in a discounted-cash-flow model, SCOR PK would have to grow free cash flow by +27.9 % per year for five years (discount rate 8.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -2.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of SCRYY use?
Our models discount SCOR PK at 8.6 %: a base by market capitalisation (mid), damped by beta 0.52, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For SCOR PK that is +27.9 % per year a year over ten years, using the same discount rate (8.6 %) and the same formula as our fair value.
How much growth has SCOR PK (SCRYY) delivered so far?
Over the past 5 years revenue at SCOR PK grew -2.7 % a year. The price currently implies +27.9 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of SCOR PK (SCRYY) growing?
The median revenue growth in the sector is +8.9 % a year. That is the yardstick for the growth priced into SCOR PK (+27.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of SCOR PK (SCRYY)?
The free-cash-flow yield on the price is 1.61 %: that much free cash flow SCOR PK produces per unit of market value. When it exceeds the discount rate of our models (8.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SCOR PK (SCRYY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SCOR PK it is $4.03 per share (as of Sep 24, 2026), against a price of $3.86. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is SCOR PK stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SCRYY trades below its calculated fair value: price $3.86, fair value $4.03, a gap of about +4% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SCRYY?
No. The price is what the market pays today ($3.86); the fair value is what the company's own numbers justify ($4.03). For SCOR PK the two are $0.1690 per share apart. That gap is exactly why we show both numbers side by side.
How much is SCOR PK worth?
The market values SCOR PK at about $6.6B (market capitalisation, as of Sep 24, 2026). Per share that is $3.86; our models calculate a fair value of $4.03 per share.
What do the bullish and bearish scenarios say about SCRYY?
Our models span a range for SCOR PK: cautious scenario $3.09, base $4.03, optimistic $5.23 per share (as of Sep 24, 2026, price $3.86). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SCRYY?
SCOR PK trades at a price-to-earnings ratio of 7.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.03 is built from several models across several years. Other multiples: PEG 0.6, P/B 1.5, P/S 0.4, EV/EBITDA 5.6.
What is the PEG ratio of SCRYY?
The PEG ratio of SCOR PK is 0.59 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of SCOR PK (SCRYY)?
Balance-sheet figures for SCOR PK (as of Sep 24, 2026): return on equity 13.2%, debt of 0.78 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is SCRYY from its 52-week high?
SCOR PK trades at $3.86, about 7% below its 52-week high of $4.14 and 40% above the low of $2.77 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $4.03 is for.
Which stocks are comparable to SCOR PK?
From the same area (Financial Services) we also value MUV2, Swiss Re AG, Hannover Rück SE, Reinsurance Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SCOR PK stock attractive at the current price?
The data as of Sep 24, 2026: price $3.86, calculated fair value $4.03 (+4%), Quality Score 46/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SCRYY calculated?
We run SCOR PK through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $4.03, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.9 % above its aggregate fair value. SCOR PK currently trades 4 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SCOR PK (SCRYY)?
The closing price on Sep 25, 2026 was $3.86. Our model-based fair value is $4.03, about +4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SCOR PK right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of SCOR PK (SCRYY) come from?
Earnings per share at SCOR PK grew −14.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share −11.6 %, EBIT margin −1.2 %, tax rate −1.9 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of SCOR PK
How large is the market capitalisation of SCOR PK (SCRYY)?
The market capitalisation of SCOR PK is $6.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SCOR PK (SCRYY)?
The price-to-sales ratio of SCOR PK is 0.41 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SCOR PK (SCRYY)?
Earnings per share at SCOR PK are $0.5400 (price ÷ EPS = P/E 7.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SCOR PK (SCRYY)?
The dividend yield of SCOR PK is 6.1% (payout 43.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of SCOR PK (SCRYY)?
The net margin of SCOR PK is 5.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SCOR PK (SCRYY)?
The return on equity (ROE) of SCOR PK is 13.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SCOR PK (SCRYY)?
On an EBIT basis the return on assets of SCOR PK is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of SCOR PK (SCRYY)?
The operating margin of SCOR PK is 11.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SCOR PK (SCRYY)?
Revenue at SCOR PK is growing −6.5% versus a year earlier (3y avg −3.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SCOR PK (SCRYY)?
Earnings per share at SCOR PK are growing +12.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does SCOR PK (SCRYY) carry?
The net debt of SCOR PK is €1.3B (fiscal year 2025, ≈ 1.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Sep 24, 2026