SCOR SE (SDRC) Fair Value & Analysis
Financial Services · DE · Market cap €5.9B · ISIN FR0010411983
What is SCOR SE really worth?
A solid business, trading 49% below our fair value of €66.75.
Strengths
Risks
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from €66.08 to €66.75 (+1.0%) since Jul 19, 2026. Share price −0.4% over the past month.
What runs behind every stock
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What matters now
- The price is below even our cautious bear case (€50.06). 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.
- 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 Aug 13, 2026.
How to read this chart
60‑month range €10.76 – €34.76 · fair‑value band €50.06 – €83.44 · the €33.96 price screens below the €66.75 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
SCOR SE (SDRC) currently trades at €33.96, while our model-based Fair Value estimate is €66.75, implying the stock looks roughly 49.1% undervalued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. 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 €33.96 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.
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 €1.6B. Fundamentals as of Aug 13, 2026
Our scenario range runs from €50.06 (bear case) to €83.44 (bull case); at €33.96, 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 43% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 53% fair-value upside, at 97%, SDRC screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly €3.17 per share, which is 4.7 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples (€74.34) versus Asset-Based (€16.60). Highest evidence: Gordon GGM (67).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 75
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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.
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Strength profile in five axes (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.
Similar stocks
10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| MUV2 MUV2 | €518.00 | €460.14 | −11% |
| Swiss Re AG SREN | CHF 141.15 | CHF 137.55 | −3% |
| Hannover Rück SE HNR1 | €258.20 | €216.20 | −16% |
| Reinsurance Group RGA | $246.02 | $261.04 | +6% |
| Everest Group EG | $370.06 | $507.47 | +37% |
| RenaissanceRe Holdings RNR | $330.41 | $563.91 | +71% |
| General Insurance Corporation GICRE | ₹355.85 | ₹594.47 | +67% |
| China Reinsurance (Group) Corporation 1508 | HK$1.22 | HK$2.43 | +100% |
| Hamilton Insurance Group HG | $35.35 | $54.04 | +53% |
| SiriusPoint Ltd SPNT | $23.98 | $37.12 | +55% |
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