Financial Ratios Scor SE

Stocks

SCR

FR0010411983

Reinsurance

Real-time Euronext Paris 08:02:35 2026-09-04 EDT			5-day change	1st Jan Change
34.18 ^EUR	-0.75%		+1.12%	+18.93%

08-25	Moody's Maintains Scor's Rating, Outlook Amid Expectation of 'Good' Profitability	MT
08-24	1H26 Reinsurance review: Good numbers, outlook still challenging

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Published financial data: SCOR SE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (EUR)	2022 (EUR)	2023 (EUR)	2024 (EUR)	2025 (EUR)
Premiums and Annuity Revenues	17.01B	19.08B	15.92B	16.13B	15.38B
Total Interest And Dividend Income	431M	648M	490M	515M	432M
Gain (Loss) on Sale of Investments, Total (Rev)	257M	-36M	-27M	-64M	-32M
Other Revenues, Total	-16M	-48M	-120M	-117M	-89M
Total Revenues	17.68B	19.64B	16.26B	16.46B	15.69B
Policy Benefits	14.66B	16.34B	14.45B	15.7B	13.98B
Policy Acquisition / Underwriting Costs, Total	3.87B	3.95B	-	-	-
Other Operating Expenses	200M	291M	453M	438M	390M
Reinsurance Income Or Expense	1.86B	912M	-	-	-
Total Operating Expenses	16.88B	19.67B	14.9B	16.14B	14.37B
Operating Income	804M	-27M	1.36B	318M	1.32B
Interest Expense, Total	-112M	-114M	-116M	-120M	-120M
Income (Loss) on Equity Invest.	-5M	-6M	-5M	-15M	-
Currency Exchange Gains (Loss)	-8M	28M	-	-21M	-5M
Other Non Operating Income (Expenses)	-16M	3M	10M	13M	-8M
EBT, Excl. Unusual Items	663M	-116M	1.25B	175M	1.18B
Asset Writedown	-	-	-	2M	-
Insurance Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	663M	-116M	1.25B	177M	1.18B
Income Tax Expense	207M	186M	444M	173M	332M
Earnings From Continuing Operations	456M	-302M	810M	4M	851M
Net Income to Company	456M	-302M	810M	4M	851M
Minority Interest	-	1M	2M	-	-
Net Income - (IS)	456M	-301M	812M	4M	851M
Net Income to Common Incl Extra Items	456M	-301M	812M	4M	851M
Net Income to Common Excl. Extra Items	456M	-301M	812M	4M	851M
Per Share Items
Net EPS - Basic	2.46	-1.69	4.54	0.02	4.76
Basic EPS - Continuing Operations	2.46	-1.69	4.54	0.02	4.76
Basic Weighted Average Shares Outstanding	185M	178M	179M	179M	179M
Net EPS - Diluted	2.45	-1.69	4.45	0.02	4.68
Diluted EPS - Continuing Operations	2.45	-1.69	4.45	0.02	4.68
Diluted Weighted Average Shares Outstanding	186M	178M	183M	182M	182M
Normalized Basic EPS	2.24	-0.4	4.39	0.61	4.14
Normalized Diluted EPS	2.22	-0.4	4.3	0.6	4.07
Dividend Per Share	1.8	1.4	1.8	1.8	1.9
Payout Ratio	73.46	-106.64	30.91	8.05K	37.84
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
EBITDA	879M	26M	1.43B	415M	1.39B
EBITA	835M	11M	1.42B	364M	1.36B
EBIT	804M	-27M	1.36B	318M	1.32B
EBITDAR	877M	22M	1.43B	409M	1.38B
Total Revenues (As Reported)	17.76B	19.73B	-	-	-
Effective Tax Rate - (Ratio)	31.22	-160.34	35.41	97.74	28.06
Total Current Taxes	299M	128M	166M	244M	392M
Total Deferred Taxes	-92M	58M	278M	-71M	-59M
Normalized Net Income	414M	-71.5M	786M	109M	739M
Interest on Long-Term Debt	111M	114M	116M	120M	120M
Non-Cash Pension Expense	3M	1M	4M	3M	2M
Supplemental Operating Expense Items
Net Rental Expense, Total	-2M	-4M	-5M	-6M	-8M
Imputed Operating Lease Interest Expense	-557K	-1.12M	-1.42M	-1.69M	-2.15M
Imputed Operating Lease Depreciation	-1.44M	-2.88M	-3.58M	-4.31M	-5.85M
Stock-Based Comp., Other (Total)	36M	21M	25M	21M	39M
Total Stock-Based Compensation	36M	21M	25M	21M	39M

Fiscal Period: December	2021 (EUR)	2022 (EUR)	2023 (EUR)	2024 (EUR)	2025 (EUR)
Assets
Investment In Debt Securities	19.16B	20.44B	21.16B	21.8B	21.41B
Investment In Equity and Preferred Securities, Total	850M	176M	147M	135M	147M
Trading Asset Securities, Total	180M	1.27B	1.45B	1.46B	1.49B
Real Estate Owned	629M	700M	684M	692M	686M
Total Other Investments	232M	-	-	-	-
Total investments	21.05B	22.59B	23.44B	24.09B	23.73B
Cash And Equivalents	2.08B	1.83B	1.85B	2.39B	2.08B
Reinsurance Recoverable - (IS)	4.59B	6.29B	3.83B	4.28B	3.91B
Other Receivables - (Insurance Template)	9.33B	9.4B	2.79B	2.82B	2.88B
Deferred Policy Acquisition Costs - (BS)	1.49B	1.8B	-	-	-
Gross Property Plant And Equipment	1.17B	1.19B	1.19B	1.2B	1.08B
Accumulated Depreciation	-293M	-332M	-362M	-419M	-382M
Net Property Plant And Equipment	881M	855M	830M	781M	703M
Goodwill	882M	882M	882M	884M	884M
Other Intangibles, Total	506M	540M	504M	451M	416M
Other Current Assets, Total	8.9B	8.86B	176M	198M	152M
Deferred Tax Assets Long-Term (Collected)	716M	895M	914M	1.14B	1.01B
Other Long-Term Assets, Total	1.08B	1.39B	251M	314M	324M
Total Assets	51.52B	55.33B	35.48B	37.35B	36.1B
Liabilities
Insurance And Annuity Liabilities	8.15B	7.97B	21.72B	23.11B	22.05B
Unpaid Claims	24.31B	27.74B	-	-	-
Unearned Premiums	3.75B	4.55B	-	-	-
Reinsurance Payable - (BS)	2.35B	2.71B	2.22B	2.43B	2.33B
Current Portion of Long-Term Debt	1M	-	-	4M	21M
Current Portion of Leases	24M	25M	27M	28M	51M
Long-Term Debt	3.06B	3.13B	3.09B	3.42B	3.44B
Long-Term Leases	146M	135M	125M	110M	87M
Current Income Taxes Payable	78M	154M	175M	275M	256M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	80M	39M	54M	71M	93M
Pension & Other Post Retirement Benefits	-	121M	82M	76M	76M
Deferred Tax Liability Non-Current	242M	248M	400M	535M	430M
Other Non Current Liabilities	2.93B	1.25B	710M	629M	768M
Total Liabilities	45.12B	48.08B	28.6B	30.69B	29.61B
Common Stock, Total	1.47B	1.42B	1.42B	1.42B	1.41B
Additional Paid In Capital	609M	463M	464M	459M	456M
Retained Earnings	456M	-301M	812M	4M	851M
Treasury Stock	-196M	-56M	-61M	-52M	-50M
Comprehensive Income and Other	4.04B	3.58B	2.06B	2.7B	1.76B
Total Common Equity	6.38B	5.1B	4.69B	4.52B	4.43B
Minority Interest	17M	2.16B	2.18B	2.13B	2.07B
Total Equity	6.4B	7.26B	6.87B	6.66B	6.49B
Total Liabilities And Equity	51.52B	55.33B	35.48B	37.35B	36.1B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	181M	179M	179M	179M	179M
ECS Total Common Shares Outstanding	181M	179M	179M	179M	179M
Book Value / Share	35.26	28.47	26.16	25.23	24.72
Tangible Book Value	5B	3.68B	3.31B	3.19B	3.13B
Tangible Book Value Per Share	27.59	20.53	18.43	17.78	17.46
Total Debt	3.23B	3.29B	3.24B	3.56B	3.6B
Net Debt	1.14B	1.46B	1.39B	1.17B	1.51B
Debt Equivalent of Unfunded Proj. Benefit Obligation	134M	91M	51M	51M	50M
Debt Equivalent Oper. Leases	-16M	-32M	-40M	-48M	-64M
Minority Interest, Total (Incl. Fin. Div)	17M	2.16B	2.18B	2.13B	2.07B
Equity Method Investments, Total	7M	9M	4M	2M	2M
Account Code - Inventory Valuation	3	3	3	3	3
Full Time Employees	3.59K	3.52K	3.49K	3.62K	3.61K
Part Time Employees	-	-	-	-	-

Fiscal Period: December	2021 (EUR)	2022 (EUR)	2023 (EUR)	2024 (EUR)	2025 (EUR)
Net Income	456M	-301M	812M	4M	851M
Depreciation, Depletion & Amortization	73M	45M	39M	79M	43M
Amortization of Goodwill and Intangible Assets - (CF)	31M	38M	53M	46M	48M
Total Depreciation, Depletion & Amortization	104M	83M	92M	125M	91M
(Gain) Loss on Sale of Investments - (CF)	-348M	-63M	9M	-135M	165M
Amort. Of Deferred Policy Acq. Costs - (CF)	320M	52M	-	-	-
Change in Accounts Receivable	-1.64B	-57M	-565M	-311M	-417M
Change In Income Taxes	-114M	46M	37M	-	95M
Change in Other Net Operating Assets (Collected)	57M	49M	116M	119M	69M
Other Operating Activities	3.57B	691M	979M	1.1B	315M
Cash from Operations	2.41B	500M	1.48B	903M	1.17B
Capital Expenditure	-87M	-70M	-33M	-28M	-39M
Sale of Property, Plant, and Equipment	-	-	-	20M	15M
Cash Acquisitions	-8M	-	-8M	-23M	-
Divestitures	-	-8M	-	1M	-
Sale (Purchase) of Real Estate Properties (Collected)	-40M	-44M	-41M	-22M	-16M
Investment in Marketable and Equity Securities, Total	-1.41B	-147M	-873M	-129M	-843M
Other Investing Activities, Total	-	-	1M	-	-
Cash from Investing	-1.54B	-269M	-954M	-181M	-883M
Long-Term Debt Issued, Total	79M	156M	33M	497M	501M
Total Debt Issued	79M	156M	33M	497M	501M
Long-Term Debt Repaid, Total	-121M	-164M	-78M	-231M	-414M
Total Debt Repaid	-121M	-164M	-78M	-231M	-414M
Issuance of Common Stock	7M	6M	10M	5M	2M
Repurchase of Common Stock	-205M	-118M	-30M	-28M	-50M
Common Dividends Paid	-335M	-321M	-251M	-322M	-322M
Common & Preferred Stock Dividends Paid	-335M	-321M	-251M	-322M	-322M
Other Financing Activities, Total	-99M	-126M	-112M	-134M	-196M
Cash from Financing	-674M	-567M	-428M	-213M	-479M
Foreign Exchange Rate Adjustments	92M	83M	-73M	28M	-117M
Miscellaneous Cash Flow Adjustments	-	-	-	-	1M
Net Change in Cash	279M	-253M	25M	537M	-309M
Supplemental Items
Cash Interest Paid	113M	103M	105M	103M	117M
Cash Income Tax Paid (Refund)	412M	83M	129M	255M	297M
Net Debt Issued / Repaid	-42M	-8M	-45M	266M	87M
Levered Free Cash Flow	3.91B	924M	925M	62.75M	1.07B
Unlevered Free Cash Flow	3.98B	995M	997M	138M	1.14B
Change In Net Working Capital	-3.1B	-926M	-60M	179M	-231M

Fiscal Period: December	2021 (EUR)	2022 (EUR)	2023 (EUR)	2024 (EUR)	2025 (EUR)
Profitability
Return on Assets	1.03	-0.03	2.42	0.55	2.24
Return on Total Capital	5.28	-0.15	8.58	1.95	8.1
Return On Equity %	7.25	-3.9	12.14	0.06	12.94
Return on Common Equity	7.27	-5.23	18.02	0.09	19.01
Margin Analysis
Gross Profit Margin %	-4.82	-3.3	11.18	4.59	10.87
EBITDA Margin %	4.97	0.13	8.82	2.52	8.85
EBITA Margin %	4.72	0.06	8.72	2.21	8.69
EBIT Margin %	4.55	-0.14	8.39	1.93	8.39
Income From Continuing Operations Margin %	2.58	-1.54	4.98	0.02	5.42
Net Income Margin %	2.58	-1.53	4.99	0.02	5.42
Net Avail. For Common Margin %	2.58	-1.53	4.99	0.02	5.42
Normalized Net Income Margin	2.34	-0.36	4.83	0.66	4.71
Levered Free Cash Flow Margin	22.08	4.7	5.68	0.38	6.82
Unlevered Free Cash Flow Margin	22.48	5.07	6.13	0.84	7.29
Asset Turnover
Asset Turnover	0.36	0.37	0.46	0.45	0.43
Fixed Assets Turnover	19.77	22.63	19.31	20.43	21.14
Receivables Turnover (Average Receivables)	2.47	2.35	6.34	6.45	6
Short Term Liquidity
Current Ratio	0.78	0.79	4.08	3.97	3.82
Quick Ratio	0.33	0.36	2.46	2.37	2.34
Operating Cash Flow to Current Liabilities	0.08	0.01	0.6	0.32	0.42
Days Sales Outstanding (Average Receivables)	148	155.38	57.59	56.77	60.86
Average Days Payable Outstanding	473.08	513.64	50.72	54.16	62.18
Long Term Solvency
Total Debt/Equity	50.41	45.39	47.19	53.52	55.37
Total Debt / Total Capital	33.51	31.22	32.06	34.86	35.64
LT Debt/Equity	50.02	45.04	46.8	53.03	54.27
Long-Term Debt / Total Capital	33.25	30.98	31.79	34.55	34.93
Total Liabilities / Total Assets	87.57	86.89	80.62	82.18	82.01
EBIT / Interest Expense	7.18	-0.24	11.77	2.65	10.97
EBITDA / Interest Expense	8.11	0.49	12.56	3.69	11.72
(EBITDA - Capex) / Interest Expense	7.33	-0.12	12.28	3.46	11.4
Total Debt / EBITDA	3.55	58.8	2.23	8.04	2.56
Net Debt / EBITDA	1.26	26.12	0.95	2.64	1.08
Total Debt / (EBITDA - Capex)	3.93	-235.21	2.28	8.58	2.63
Net Debt / (EBITDA - Capex)	1.39	-104.5	0.98	2.82	1.11
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	4.19	11.12	1.76	1.34	-4.68
Gross Profit, 1 Yr. Growth %	-178.11	-24.83	-257.27	-57.88	125.66
EBITDA, 1 Yr. Growth %	58.09	-96.91	-194.65	-71.12	234.46
EBITA, 1 Yr. Growth %	62.14	-98.67	-192.68	-73.91	274.73
EBIT, 1 Yr. Growth %	65.43	-103.4	-187.05	-76.3	313.84
Earnings From Cont. Operations, 1 Yr. Growth %	98.26	-166.23	-158.53	-99.51	21.18K
Net Income, 1 Yr. Growth %	94.87	-166.01	-158.71	-99.51	21.18K
Normalized Net Income, 1 Yr. Growth %	98.27	-117.25	-175.49	-85.95	576
Diluted EPS Before Extra, 1 Yr. Growth %	96	-168.98	-157.35	-99.55	23.3K
Net Property, Plant and Equip., 1 Yr. Growth %	-2.97	-2.95	-2.92	-5.9	-9.99
Accounts Receivable, 1 Yr. Growth %	15.51	20.89	2.23	-2.83	7.23
Total Assets, 1 Yr. Growth %	11.47	7.28	1.4	5.27	-3.34
Common Equity, 1 Yr. Growth %	3.74	-20.48	8.71	-3.58	-2.14
Tangible Book Value, 1 Yr. Growth %	3.76	-26.81	14.23	-3.54	-1.94
Cash From Operations, 1 Yr. Growth %	143.52	-79.22	196	-38.99	29.46
Capital Expenditures, 1 Yr. Growth %	-35.56	-19.54	-52.86	-15.15	39.29
Levered Free Cash Flow, 1 Yr. Growth %	366.54	-73.73	-106.04	-93.3	1.6K
Unlevered Free Cash Flow, 1 Yr. Growth %	337.95	-72.25	-106.54	-86.34	730.85
Dividend Per Share, 1 Yr. Growth %	0	-22.22	28.57	0	5.56
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	3.38	7.57	-4.07	1.48	-1.72
Gross Profit, 2 Yr. CAGR %	-19.64	-22.97	45.23	-19.13	-2.51
EBITDA, 2 Yr. CAGR %	0	-78.38	30.58	-47.66	-1.72
EBITA, 2 Yr. CAGR %	8.91	-85.39	31.02	-51.22	-1.12
EBIT, 2 Yr. CAGR %	6.87	-76.43	31.03	-54.97	-0.97
Earnings From Cont. Operations, 2 Yr. CAGR %	3.95	14.59	33.28	-94.62	2.5
Net Income, 2 Yr. CAGR %	3.95	13.42	33.44	-94.62	2.37
Normalized Net Income, 2 Yr. CAGR %	9.1	-41.51	37.7	-67.58	-2.53
Diluted EPS Before Extra, 2 Yr. CAGR %	4.35	16.28	34.77	-94.92	2.55
Net Property, Plant and Equip., 2 Yr. CAGR %	3.72	-2.96	-2.94	-4.43	-7.97
Accounts Receivable, 2 Yr. CAGR %	6.19	18.33	-41.32	-0.33	2.08
Total Assets, 2 Yr. CAGR %	4.83	9.42	-17.06	3.32	0.87
Common Equity, 2 Yr. CAGR %	0.29	-8.98	-14.45	2.38	-2.88
Tangible Book Value, 2 Yr. CAGR %	-0.82	-12.62	-18.87	4.97	-2.76
Cash From Operations, 2 Yr. CAGR %	69.14	-28.86	-21.57	34.39	-11.13
Capital Expenditures, 2 Yr. CAGR %	-18.19	-27.99	-38.41	-36.75	8.71
Levered Free Cash Flow, 2 Yr. CAGR %	111.48	5.05	-48.72	-93.6	6.88
Unlevered Free Cash Flow, 2 Yr. CAGR %	105.43	4.7	-47.27	-90.49	6.52
Dividend Per Share, 2 Yr. CAGR %	-	-11.81	0	13.39	2.74
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	4.18	5.88	-1.41	-2.35	-0.62
Gross Profit, 3 Yr. CAGR %	-9.43	-21.13	18.52	-4.28	13.85
EBITDA, 3 Yr. CAGR %	3.97	-69.07	37.14	-20.98	-2.88
EBITA, 3 Yr. CAGR %	9.96	-75	40.16	-23.9	-3.76
EBIT, 3 Yr. CAGR %	8.58	-66.28	41.09	-26.32	-5.67
Earnings From Cont. Operations, 3 Yr. CAGR %	12.3	-10.55	52.14	-79.38	-14.96
Net Income, 3 Yr. CAGR %	12.3	-10.65	51.4	-79.38	-14.94
Normalized Net Income, 3 Yr. CAGR %	13.96	-41	55.49	-35.85	-10.77
Diluted EPS Before Extra, 3 Yr. CAGR %	12.96	-9.1	52.69	-79.87	-15.51
Net Property, Plant and Equip., 3 Yr. CAGR %	7.06	1.44	-2.95	-3.94	-6.32
Accounts Receivable, 3 Yr. CAGR %	6.08	10.98	-26.39	-30.58	2.13
Total Assets, 3 Yr. CAGR %	5.09	5.68	-8.44	-10.2	1.05
Common Equity, 3 Yr. CAGR %	3.26	-7.04	-8.64	-10.97	0.84
Tangible Book Value, 3 Yr. CAGR %	2.82	-10.21	-11.78	-14.05	2.6
Cash From Operations, 3 Yr. CAGR %	39.25	-15.91	14.42	-27.87	32.72
Capital Expenditures, 3 Yr. CAGR %	1.99	-18.64	-37.47	-31.47	-17.71
Levered Free Cash Flow, 3 Yr. CAGR %	30.68	1.9	3.37	-73.87	-58.82
Unlevered Free Cash Flow, 3 Yr. CAGR %	29.69	1.85	3.18	-66.26	-57.82
Dividend Per Share, 3 Yr. CAGR %	0.94	-	0	0	10.72
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	4.24	5.08	0.79	-0.1	-1.56
Gross Profit, 5 Yr. CAGR %	-11.62	12.23	9.63	-10.56	9.33
EBITDA, 5 Yr. CAGR %	-2.31	-46.99	12.89	-13.94	20.08
EBITA, 5 Yr. CAGR %	-2.59	-53.89	17.69	-12.36	21.51
EBIT, 5 Yr. CAGR %	-3.32	-44.82	16.8	-14.7	22.05
Earnings From Cont. Operations, 5 Yr. CAGR %	-5.53	1.17	20.26	-60.61	29.91
Net Income, 5 Yr. CAGR %	-5.44	1.03	20.32	-60.61	29.46
Normalized Net Income, 5 Yr. CAGR %	-2.88	-19.7	22.92	-20.67	28.75
Diluted EPS Before Extra, 5 Yr. CAGR %	-5.2	2.28	21.22	-61.12	30.22
Net Property, Plant and Equip., 5 Yr. CAGR %	7.24	4.02	2.94	-0.95	-4.99
Accounts Receivable, 5 Yr. CAGR %	4.19	9.36	-16.24	-17.67	-16.11
Total Assets, 5 Yr. CAGR %	3.54	5.06	-4.38	-4.44	-4.82
Common Equity, 5 Yr. CAGR %	-0.84	-3.82	-4.15	-6.55	-6.38
Tangible Book Value, 5 Yr. CAGR %	-2.59	-6.03	-6.38	-8.89	-8.27
Cash From Operations, 5 Yr. CAGR %	12.19	-15.26	10.68	1.43	3.42
Capital Expenditures, 5 Yr. CAGR %	4.15	6.54	-16.64	-26.44	-21.99
Levered Free Cash Flow, 5 Yr. CAGR %	21.5	40.09	-11.98	-40.94	5.02
Unlevered Free Cash Flow, 5 Yr. CAGR %	20.54	32.9	-11.36	-31.92	4.74
Dividend Per Share, 5 Yr. CAGR %	1.76	-3.23	0.56	-	1.09