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SCOR SE (SDRC) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of SCOR SE €42.12, price €31.68, upside +33.0%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · DE · ISIN FR0010411983

SS Broad data Sep 23, 2026

SCOR SE

SDRC · XETRA

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value €42.12 · Undervalued (+33.0%)
!Quality 57/100
!Weak Growth (revenue 3y −3.4 %/yr)
!Thin margins · 5.7% net margin (TTM)
✓Moderate debt · generates free cash flow
!Mixed vs. peers (3/7)
!Moderate moat 46/100
!The models disagree: range €32.45 to €83.44
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

€34.76 €10.76 Fair Value €42.12 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range €10.76 – €34.76 · fair‑value band €32.45 – €83.44 · the €31.68 price screens below the €42.12 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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 SE (SDRC) currently trades at €31.68, while our model-based Fair Value estimate is €42.12, implying the stock looks roughly 24.8% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of €74.34 per share, and 3 of the 6 models we run sit above the €31.68 price.

Bear case: the Asset-Based group reads lowest at €16.60, and 3 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: €32.45 (bear) to €83.44 (bull), the price of €31.68 sits below 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 57/100 (solid 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 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.

Key figures

Market cap €5.7B · P/E ratio 6.8 · P/S ratio 0.39 · EPS (TTM) €4.68 · Net margin 5.8% · Return on equity 13.2% · Return on assets 2.3% · Operating margin 11.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 33% 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 33%, SDRC screens cheaper than that median.

Fair Value models

Bear €32.45 Fair Value €42.12 Bull €83.44
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 (€3.54 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.
Highest evidence
Residual Income €28.49 €33.73 €44.60 73
Gordon GGM €15.83 €17.25 €19.40 67
DDM Multi-Stage €15.83 €19.56 €24.65 65
All 6 models by family
Dividend Discount
Gordon GGM €15.83 €17.25 €19.40 67
DDM Multi-Stage €15.83 €19.56 €24.65 65
Multiples
P/E Multiple €60.73 €80.97 €101.22 63
P/B Multiple €55.75 €74.34 €92.92 55
Asset-Based
NCAV (Graham) €12.39 €16.60 €24.78 54
Economic Profit
Residual Income €28.49 €33.73 €44.60 73

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Quality Score breakdown

Overall quality 57/100

Of which business quality 51 · Market factors (momentum, volatility) 66

Profitability 39
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 59
Earnings quality: real cash, not paper profit
Fin. Strength 17
Balance sheet, leverage, solvency risk
Investment 97
Disciplined investing over empire-building
Low Volatility 88
Calm price path (market factor)
Momentum 54
Price trend over the last 3–12 months (market factor)
52W Momentum 62
Distance to the 52-week high (market factor)
Net Issuance 83
Share count: buybacks or dilution?

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Revenue & earnings trend

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%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+9.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.6%
Dividend (yield on the price)0.0%
2025 sits 109% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

Growth Forecast

Little optimism in the price
The price assumes less 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).
−13.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about −15.6% a year for the price.

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Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 0
FUTURE (revenue growth)0 · sector 72
PAST (return on equity)0 · sector 0
HEALTH (low debt)100 · sector 99
DIVIDEND (yield)0 · sector 60

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

Similar stocks

10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
MUV2 MUV2 €498.80 €399.41 −20%
Swiss Re AG SREN CHF 141.45 CHF 111.50 −21%
Hannover Rück SE HNR1 €255.00 €207.39 −19%
Reinsurance Group RGA $252.94 $198.66 −21%
Everest Group EG $369.80 $424.02 +15%
RenaissanceRe Holdings RNR $324.90 $578.58 +78%
China Reinsurance (Group) Corporation 1508 HK$1.21 HK$2.41 +100%
General Insurance Corporation GICRE ₹337.50 ₹406.44 +20%
Hamilton Insurance Group HG $33.23 $52.40 +58%
SiriusPoint Ltd SPNT $24.84 $37.56 +51%

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SCOR SE · Fair Value
€42.12 +25%Fair Value
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Cite: Fair Value Calculator (2026). "SCOR SE Fair Value". https://www.fairvalue-calculator.com/stock/SDRC

Frequently asked questions

Is SCOR SE (SDRC) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €42.12 versus a price of €31.68, about +33% upside (undervalued).
What is the fair value of SDRC?
Our model-based fair value for SCOR SE is €42.12 (as of Sep 23, 2026), built from audited fundamentals. The current price: €31.68.
What is the quality score of SDRC?
SCOR SE has a Quality Score of 57/100. 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 SE (SDRC)?
Our model-based price target is the fair value of €42.12 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario €32.45, optimistic scenario €83.44. It is a calculation from audited fundamentals, not an analyst target.
What is the SCOR SE stock forecast for 2026?
Our models put fair value at €42.12, about +33% upside versus a price of €31.68 (undervalued). Cautious scenario €32.45, optimistic scenario €83.44. The calculation is refreshed regularly with new filings.
What is the revenue of SCOR SE (SDRC)?
SCOR SE reported trailing-twelve-month revenue of about €15.5B (latest available figure, as of Sep 23, 2026).
What growth is priced into SCOR SE (SDRC)?
For today's price to be fair in a discounted-cash-flow model, SCOR SE would have to grow free cash flow by -13.8 % per year for five years (discount rate 8.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew -1.9 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of SDRC use?
Our models discount SCOR SE at 8.4 %: a base by market capitalisation (mid), damped by beta 0.52, country premium for Germany. 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 SE that is -13.8 % per year a year over ten years, using the same discount rate (8.4 %) and the same formula as our fair value.
How much growth has SCOR SE (SDRC) delivered so far?
Over the past 4 years revenue at SCOR SE grew -1.9 % a year. The price currently implies -13.8 % 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 SE (SDRC) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into SCOR SE (-13.8 % 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 SE (SDRC)?
The free-cash-flow yield on the price is 19.92 %: that much free cash flow SCOR SE produces per unit of market value. When it exceeds the discount rate of our models (8.4 %), 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 SE (SDRC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SCOR SE it is €42.12 per share (as of Sep 23, 2026), against a price of €31.68. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is SCOR SE stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SDRC trades below its calculated fair value: price €31.68, fair value €42.12, a gap of about +33% (undervalued). 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 SDRC?
No. The price is what the market pays today (€31.68); the fair value is what the company's own numbers justify (€42.12). For SCOR SE the two are €10.44 per share apart. That gap is exactly why we show both numbers side by side.
How much is SCOR SE worth?
The market values SCOR SE at about €5.7B (market capitalisation, as of Sep 23, 2026). Per share that is €31.68; our models calculate a fair value of €42.12 per share.
What do the bullish and bearish scenarios say about SDRC?
Our models span a range for SCOR SE: cautious scenario €32.45, base €42.12, optimistic €83.44 per share (as of Sep 23, 2026, price €31.68). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is SDRC from its 52-week high?
SCOR SE trades at €31.68, about 9% below its 52-week high of €34.76 and 33% above the low of €23.74 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €42.12 is for.
Which stocks are comparable to SCOR SE?
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 SE stock attractive at the current price?
The data as of Sep 23, 2026: price €31.68, calculated fair value €42.12 (+33%), Quality Score 57/100, 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 SDRC calculated?
We run SCOR SE 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 €42.12, 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 14.5 % above its aggregate fair value. SCOR SE currently trades 25 % 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 SE (SDRC)?
The closing price on Oct 2, 2026 was €31.68. Our model-based fair value is €42.12, about +33% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SCOR SE right now?
The price is below even our cautious bear case (€32.45). The market is more pessimistic than our downside scenario. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (€32.45 to €83.44) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of SCOR SE

How large is the market capitalisation of SCOR SE (SDRC)?
The market capitalisation of SCOR SE is €5.7B. 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/E ratio of SCOR SE (SDRC)?
The price-to-earnings ratio of SCOR SE is 6.8. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of SCOR SE (SDRC)?
The price-to-sales ratio of SCOR SE is 0.39 (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 SE (SDRC)?
Earnings per share at SCOR SE are €4.68 (price ÷ EPS = P/E 6.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SCOR SE (SDRC)?
The net margin of SCOR SE 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 SE (SDRC)?
The return on equity (ROE) of SCOR SE is 13.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of SCOR SE (SDRC)?
The return on assets (ROA) of SCOR SE is 2.3% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of SCOR SE (SDRC)?
The operating margin of SCOR SE 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 SE (SDRC)?
Revenue at SCOR SE 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 SE (SDRC)?
Earnings per share at SCOR SE are growing +12.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does SCOR SE (SDRC) carry?
The net debt of SCOR SE is €1.6B (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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