Cash flow Scor SE

Equities

SCR

FR0010411983

Reinsurance

Real-time Euronext Paris Other stock markets 15:28:36 13/11/2025 GMT			5-day change	1st Jan Change
27.76 ^EUR	+1.91%		+4.60%	+17.43%

11-10	North American Morning Briefing : Stock Futures Boosted by Shutdown Hopes -2-	DJ
11-06	Scor Unit Hits Over $5 Billion in Assets Under Management	MT

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Published financial data: SCOR SE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Premiums and Annuity Revenues	16.32B	17.01B	19.08B	15.92B	16.13B
Total Interest And Dividend Income	494M	431M	648M	490M	515M
Gain (Loss) on Sale of Investments, Total (Rev)	175M	257M	-36M	-27M	-64M
Other Revenues, Total	-17M	-16M	-48M	-120M	-117M
Total Revenues	16.97B	17.68B	19.64B	16.26B	16.46B
Policy Benefits	12.49B	14.66B	16.34B	14.45B	15.7B
Policy Acquisition / Underwriting Costs, Total	3.39B	3.87B	3.95B	-	-
Other Operating Expenses	288M	200M	291M	453M	438M
Reinsurance Income Or Expense	-318M	1.86B	912M	-	-
Total Operating Expenses	16.49B	16.88B	19.67B	14.9B	16.14B
Operating Income	486M	804M	-27M	1.36B	318M
Interest Expense, Total	-113M	-112M	-114M	-116M	-120M
Income (Loss) on Equity Invest.	-1M	-5M	-6M	-5M	-15M
Currency Exchange Gains (Loss)	-13M	-8M	28M	-	-21M
Other Non Operating Income (Expenses)	-31M	-16M	3M	10M	13M
EBT, Excl. Unusual Items	328M	663M	-116M	1.25B	175M
Asset Writedown	-	-	-	-	2M
Insurance Settlements	8M	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	336M	663M	-116M	1.25B	177M
Income Tax Expense	106M	207M	186M	444M	173M
Earnings From Continuing Operations	230M	456M	-302M	810M	4M
Net Income to Company	230M	456M	-302M	810M	4M
Minority Interest	4M	-	1M	2M	-
Net Income - (IS)	234M	456M	-301M	812M	4M
Net Income to Common Incl Extra Items	234M	456M	-301M	812M	4M
Net Income to Common Excl. Extra Items	234M	456M	-301M	812M	4M
Per Share Items
Net EPS - Basic	1.26	2.46	-1.69	4.54	0.02
Basic EPS - Continuing Operations	1.26	2.46	-1.69	4.54	0.02
Basic Weighted Average Shares Outstanding	186M	185M	178M	179M	179M
Net EPS - Diluted	1.25	2.45	-1.69	4.45	0.02
Diluted EPS - Continuing Operations	1.25	2.45	-1.69	4.45	0.02
Diluted Weighted Average Shares Outstanding	188M	186M	178M	183M	182M
Normalized Basic EPS	1.12	2.24	-0.4	4.39	0.61
Normalized Diluted EPS	1.11	2.22	-0.4	4.3	0.6
Dividend Per Share	1.8	1.8	1.4	1.8	1.8
Payout Ratio	-	73.46	-106.64	30.91	8.05K
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
EBITDA	556M	879M	26M	1.43B	415M
EBITA	515M	835M	11M	1.42B	364M
EBIT	486M	804M	-27M	1.36B	318M
EBITDAR	553M	877M	22M	1.43B	409M
Total Revenues (As Reported)	17.04B	17.76B	19.73B	-	-
Effective Tax Rate - (Ratio)	31.55	31.22	-160.34	35.41	97.74
Total Current Taxes	180M	299M	128M	166M	244M
Total Deferred Taxes	-74M	-92M	58M	278M	-71M
Normalized Net Income	209M	414M	-71.5M	786M	109M
Interest on Long-Term Debt	111M	111M	114M	116M	120M
Non-Cash Pension Expense	3M	3M	1M	4M	3M
Supplemental Operating Expense Items
Net Rental Expense, Total	-3M	-2M	-4M	-5M	-6M
Imputed Operating Lease Interest Expense	-869K	-557K	-1.12M	-1.42M	-1.69M
Imputed Operating Lease Depreciation	-2.13M	-1.44M	-2.88M	-3.58M	-4.31M
Stock-Based Comp., Other (Total)	32M	36M	21M	25M	21M
Total Stock-Based Compensation	32M	36M	21M	25M	21M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Investment In Debt Securities	17.47B	19.16B	20.44B	21.16B	21.8B
Investment In Equity and Preferred Securities, Total	667M	850M	176M	147M	135M
Trading Asset Securities, Total	1.63B	180M	1.27B	1.45B	1.46B
Real Estate Owned	603M	629M	700M	684M	692M
Total Other Investments	302M	232M	-	-	-
Total investments	20.67B	21.05B	22.59B	23.44B	24.09B
Cash And Equivalents	1.8B	2.08B	1.83B	1.85B	2.39B
Reinsurance Recoverable - (IS)	2.07B	4.59B	6.29B	3.83B	4.28B
Other Receivables - (Insurance Template)	8.01B	9.33B	9.4B	2.79B	2.82B
Deferred Policy Acquisition Costs - (BS)	1.46B	1.49B	1.8B	-	-
Gross Property Plant And Equipment	1.15B	1.17B	1.19B	1.19B	1.2B
Accumulated Depreciation	-245M	-293M	-332M	-362M	-419M
Net Property Plant And Equipment	908M	881M	855M	830M	781M
Goodwill	882M	882M	882M	882M	884M
Other Intangibles, Total	457M	506M	540M	504M	451M
Other Current Assets, Total	8.12B	8.9B	8.86B	176M	198M
Deferred Tax Assets Long-Term (Collected)	562M	716M	895M	914M	1.14B
Other Long-Term Assets, Total	1.28B	1.08B	1.39B	251M	314M
Total Assets	46.22B	51.52B	55.33B	35.48B	37.35B
Liabilities
Insurance And Annuity Liabilities	7.7B	8.15B	7.97B	21.72B	23.11B
Unpaid Claims	20.16B	24.31B	27.74B	-	-
Unearned Premiums	3B	3.75B	4.55B	-	-
Reinsurance Payable - (BS)	1.23B	2.35B	2.71B	2.22B	2.43B
Current Portion of Long-Term Debt	2M	1M	-	-	4M
Current Portion of Leases	25M	24M	25M	27M	28M
Long-Term Debt	3.03B	3.06B	3.13B	3.09B	3.42B
Long-Term Leases	156M	146M	135M	125M	110M
Current Income Taxes Payable	135M	78M	154M	175M	275M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	83M	80M	39M	54M	71M
Pension & Other Post Retirement Benefits	-	-	121M	82M	76M
Deferred Tax Liability Non-Current	260M	242M	248M	400M	535M
Other Non Current Liabilities	4.25B	2.93B	1.25B	710M	629M
Total Liabilities	40.04B	45.12B	48.08B	28.6B	30.69B
Common Stock, Total	1.47B	1.47B	1.42B	1.42B	1.42B
Additional Paid In Capital	609M	609M	463M	464M	459M
Retained Earnings	234M	456M	-301M	812M	4M
Treasury Stock	-43M	-196M	-56M	-61M	-52M
Comprehensive Income and Other	3.88B	4.04B	3.58B	2.06B	2.7B
Total Common Equity	6.16B	6.38B	5.1B	4.69B	4.52B
Minority Interest	22M	17M	2.16B	2.18B	2.13B
Total Equity	6.18B	6.4B	7.26B	6.87B	6.66B
Total Liabilities And Equity	46.22B	51.52B	55.33B	35.48B	37.35B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	186M	181M	179M	179M	179M
ECS Total Common Shares Outstanding	186M	181M	179M	179M	179M
Book Value / Share	33.01	35.26	28.47	26.16	25.23
Tangible Book Value	4.82B	5B	3.68B	3.31B	3.19B
Tangible Book Value Per Share	25.83	27.59	20.53	18.43	17.78
Total Debt	3.21B	3.23B	3.29B	3.24B	3.56B
Net Debt	1.41B	1.14B	1.46B	1.39B	1.17B
Debt Equivalent of Unfunded Proj. Benefit Obligation	194M	134M	91M	51M	51M
Debt Equivalent Oper. Leases	-24M	-16M	-32M	-40M	-48M
Minority Interest, Total (Incl. Fin. Div)	22M	17M	2.16B	2.18B	2.13B
Equity Method Investments, Total	13M	7M	9M	4M	2M
Account Code - Inventory Valuation	3	3	3	3	3
Full Time Employees	2.94K	3.59K	3.52K	3.49K	3.62K
Part Time Employees	178	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	234M	456M	-301M	812M	4M
Depreciation, Depletion & Amortization	68M	73M	45M	39M	79M
Amortization of Goodwill and Intangible Assets - (CF)	29M	31M	38M	53M	46M
Total Depreciation, Depletion & Amortization	97M	104M	83M	92M	125M
(Gain) Loss on Sale of Investments - (CF)	-19M	-348M	-63M	9M	-135M
Amort. Of Deferred Policy Acq. Costs - (CF)	57M	320M	52M	-	-
Change in Accounts Receivable	-730M	-1.64B	-57M	-565M	-311M
Change In Income Taxes	43M	-114M	46M	37M	-
Change in Other Net Operating Assets (Collected)	32M	57M	49M	116M	119M
Other Operating Activities	1.27B	3.57B	691M	979M	1.1B
Cash from Operations	988M	2.41B	500M	1.48B	903M
Capital Expenditure	-135M	-87M	-70M	-33M	-28M
Sale of Property, Plant, and Equipment	-	-	-	-	20M
Cash Acquisitions	-2M	-8M	-	-8M	-23M
Divestitures	-	-	-8M	-	1M
Sale (Purchase) of Real Estate Properties (Collected)	86M	-40M	-44M	-41M	-22M
Investment in Marketable and Equity Securities, Total	-413M	-1.41B	-147M	-873M	-129M
Other Investing Activities, Total	-	-	-	1M	-
Cash from Investing	-464M	-1.54B	-269M	-954M	-181M
Long-Term Debt Issued, Total	335M	79M	156M	33M	497M
Total Debt Issued	335M	79M	156M	33M	497M
Long-Term Debt Repaid, Total	-208M	-121M	-164M	-78M	-231M
Total Debt Repaid	-208M	-121M	-164M	-78M	-231M
Issuance of Common Stock	3M	7M	6M	10M	5M
Repurchase of Common Stock	-43M	-205M	-118M	-30M	-28M
Common Dividends Paid	-	-335M	-321M	-251M	-322M
Common & Preferred Stock Dividends Paid	-	-335M	-321M	-251M	-322M
Other Financing Activities, Total	-128M	-99M	-126M	-112M	-134M
Cash from Financing	-41M	-674M	-567M	-428M	-213M
Foreign Exchange Rate Adjustments	-114M	92M	83M	-73M	28M
Net Change in Cash	369M	279M	-253M	25M	537M
Supplemental Items
Cash Interest Paid	115M	113M	103M	105M	103M
Cash Income Tax Paid (Refund)	137M	412M	83M	129M	255M
Net Debt Issued / Repaid	127M	-42M	-8M	-45M	266M
Levered Free Cash Flow	837M	3.91B	924M	925M	62.75M
Unlevered Free Cash Flow	908M	3.98B	995M	997M	138M
Change In Net Working Capital	-553M	-3.1B	-926M	-60M	179M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.65	1.03	-0.03	2.42	0.55
Return on Total Capital	3.23	5.28	-0.15	8.58	1.95
Return On Equity %	3.66	7.25	-3.9	12.14	0.06
Return on Common Equity	3.74	7.27	-5.23	18.02	0.09
Margin Analysis
Gross Profit Margin %	6.43	-4.82	-3.3	11.18	4.59
EBITDA Margin %	3.28	4.97	0.13	8.82	2.52
EBITA Margin %	3.03	4.72	0.06	8.72	2.21
EBIT Margin %	2.86	4.55	-0.14	8.39	1.93
Income From Continuing Operations Margin %	1.36	2.58	-1.54	4.98	0.02
Net Income Margin %	1.38	2.58	-1.53	4.99	0.02
Net Avail. For Common Margin %	1.38	2.58	-1.53	4.99	0.02
Normalized Net Income Margin	1.23	2.34	-0.36	4.83	0.66
Levered Free Cash Flow Margin	4.93	22.08	4.7	5.68	0.38
Unlevered Free Cash Flow Margin	5.35	22.48	5.07	6.13	0.84
Asset Turnover
Asset Turnover	0.36	0.36	0.37	0.46	0.45
Fixed Assets Turnover	19.66	19.77	22.63	19.31	20.43
Receivables Turnover (Average Receivables)	2.53	2.47	2.35	6.34	6.45
Short Term Liquidity
Current Ratio	0.84	0.78	0.79	4.08	3.97
Quick Ratio	0.42	0.33	0.36	2.46	2.37
Operating Cash Flow to Current Liabilities	0.04	0.08	0.01	0.6	0.32
Days Sales Outstanding (Average Receivables)	144.62	148	155.38	57.59	56.77
Average Days Payable Outstanding	491.99	473.08	513.64	50.72	54.16
Long Term Solvency
Total Debt/Equity	52	50.41	45.39	47.19	53.52
Total Debt / Total Capital	34.21	33.51	31.22	32.06	34.86
LT Debt/Equity	51.56	50.02	45.04	46.8	53.03
Long-Term Debt / Total Capital	33.92	33.25	30.98	31.79	34.55
Total Liabilities / Total Assets	86.63	87.57	86.89	80.62	82.18
EBIT / Interest Expense	4.3	7.18	-0.24	11.77	2.65
EBITDA / Interest Expense	5.16	8.11	0.49	12.56	3.69
(EBITDA - Capex) / Interest Expense	3.96	7.33	-0.12	12.28	3.46
Total Debt / EBITDA	5.51	3.55	58.8	2.23	8.04
Net Debt / EBITDA	2.42	1.26	26.12	0.95	2.64
Total Debt / (EBITDA - Capex)	7.17	3.93	-235.21	2.28	8.58
Net Debt / (EBITDA - Capex)	3.14	1.39	-104.5	0.98	2.82
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	2.58	4.19	11.12	1.76	1.34
Gross Profit, 1 Yr. Growth %	-17.34	-178.11	-24.83	-257.27	-57.88
EBITDA, 1 Yr. Growth %	-26.65	58.09	-96.91	-194.65	-71.12
EBITA, 1 Yr. Growth %	-27.67	62.14	-98.67	-192.68	-73.91
EBIT, 1 Yr. Growth %	-30.97	65.43	-103.4	-187.05	-76.3
Earnings From Cont. Operations, 1 Yr. Growth %	-45.5	98.26	-166.23	-158.53	-99.51
Net Income, 1 Yr. Growth %	-44.55	94.87	-166.01	-158.71	-99.51
Normalized Net Income, 1 Yr. Growth %	-39.96	98.27	-117.25	-175.49	-85.95
Diluted EPS Before Extra, 1 Yr. Growth %	-44.44	96	-168.98	-157.35	-99.55
Net Property, Plant and Equip., 1 Yr. Growth %	10.87	-2.97	-2.95	-2.92	-5.9
Accounts Receivable, 1 Yr. Growth %	-2.38	15.51	20.89	2.23	-2.83
Total Assets, 1 Yr. Growth %	-1.41	11.47	7.28	1.4	5.27
Common Equity, 1 Yr. Growth %	-3.04	3.74	-20.48	8.71	-3.58
Tangible Book Value, 1 Yr. Growth %	-5.2	3.76	-26.81	14.23	-3.54
Cash From Operations, 1 Yr. Growth %	17.48	143.52	-79.22	196	-38.99
Capital Expenditures, 1 Yr. Growth %	3.85	-35.56	-19.54	-52.86	-15.15
Levered Free Cash Flow, 1 Yr. Growth %	-1.08	366.54	-73.73	-106.04	-93.3
Unlevered Free Cash Flow, 1 Yr. Growth %	-0.79	337.95	-72.25	-106.54	-86.34
Dividend Per Share, 1 Yr. Growth %	-	0	-22.22	28.57	0
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	4.18	3.38	7.57	-4.07	1.48
Gross Profit, 2 Yr. CAGR %	-2.47	-19.64	-22.97	45.23	-19.13
EBITDA, 2 Yr. CAGR %	-15.68	0	-78.38	30.58	-47.66
EBITA, 2 Yr. CAGR %	-9.44	8.91	-85.39	31.02	-51.22
EBIT, 2 Yr. CAGR %	-12.03	6.87	-76.43	31.03	-54.97
Earnings From Cont. Operations, 2 Yr. CAGR %	-15.48	3.95	14.59	33.28	-94.62
Net Income, 2 Yr. CAGR %	-14.75	3.95	13.42	33.44	-94.62
Normalized Net Income, 2 Yr. CAGR %	-13.6	9.1	-41.51	37.7	-67.58
Diluted EPS Before Extra, 2 Yr. CAGR %	-14.25	4.35	16.28	34.77	-94.92
Net Property, Plant and Equip., 2 Yr. CAGR %	12.46	3.72	-2.96	-2.94	-4.43
Accounts Receivable, 2 Yr. CAGR %	1.66	6.19	18.33	-41.32	-0.33
Total Assets, 2 Yr. CAGR %	2.05	4.83	9.42	-17.06	3.32
Common Equity, 2 Yr. CAGR %	3.01	0.29	-8.98	-14.45	2.38
Tangible Book Value, 2 Yr. CAGR %	2.35	-0.82	-12.62	-18.87	4.97
Cash From Operations, 2 Yr. CAGR %	5.3	69.14	-28.86	-21.57	34.39
Capital Expenditures, 2 Yr. CAGR %	28.31	-18.19	-27.99	-38.41	-36.75
Levered Free Cash Flow, 2 Yr. CAGR %	-30.84	111.48	5.05	-48.72	-93.6
Unlevered Free Cash Flow, 2 Yr. CAGR %	-29.43	105.43	4.7	-47.27	-90.49
Dividend Per Share, 2 Yr. CAGR %	1.42	-	-11.81	0	13.39
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	3.44	4.18	5.88	-1.41	-2.35
Gross Profit, 3 Yr. CAGR %	44.22	-9.43	-21.13	18.52	-4.28
EBITDA, 3 Yr. CAGR %	-3.62	3.97	-69.07	37.14	-20.98
EBITA, 3 Yr. CAGR %	-0.83	9.96	-75	40.16	-23.9
EBIT, 3 Yr. CAGR %	-2.73	8.58	-66.28	41.09	-26.32
Earnings From Cont. Operations, 3 Yr. CAGR %	-6.9	12.3	-10.55	52.14	-79.38
Net Income, 3 Yr. CAGR %	-6.47	12.3	-10.65	51.4	-79.38
Normalized Net Income, 3 Yr. CAGR %	-0.8	13.96	-41	55.49	-35.85
Diluted EPS Before Extra, 3 Yr. CAGR %	-6.1	12.96	-9.1	52.69	-79.87
Net Property, Plant and Equip., 3 Yr. CAGR %	8.96	7.06	1.44	-2.95	-3.94
Accounts Receivable, 3 Yr. CAGR %	3.77	6.08	10.98	-26.39	-30.58
Total Assets, 3 Yr. CAGR %	2.25	5.09	5.68	-8.44	-10.2
Common Equity, 3 Yr. CAGR %	-0.22	3.26	-7.04	-8.64	-10.97
Tangible Book Value, 3 Yr. CAGR %	-1.37	2.82	-10.21	-11.78	-14.05
Cash From Operations, 3 Yr. CAGR %	-4.77	39.25	-15.91	14.42	-27.87
Capital Expenditures, 3 Yr. CAGR %	38.33	1.99	-18.64	-37.47	-31.47
Levered Free Cash Flow, 3 Yr. CAGR %	69.71	30.68	1.9	3.37	-73.87
Unlevered Free Cash Flow, 3 Yr. CAGR %	55.81	29.69	1.85	3.18	-66.26
Dividend Per Share, 3 Yr. CAGR %	2.94	0.94	-	0	0
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	4.03	4.24	5.08	0.79	-0.1
Gross Profit, 5 Yr. CAGR %	-7.33	-11.62	12.23	9.63	-10.56
EBITDA, 5 Yr. CAGR %	-13.83	-2.31	-46.99	12.89	-13.94
EBITA, 5 Yr. CAGR %	-13.18	-2.59	-53.89	17.69	-12.36
EBIT, 5 Yr. CAGR %	-14.18	-3.32	-44.82	16.8	-14.7
Earnings From Cont. Operations, 5 Yr. CAGR %	-18.56	-5.53	1.17	20.26	-60.61
Net Income, 5 Yr. CAGR %	-18.28	-5.44	1.03	20.32	-60.61
Normalized Net Income, 5 Yr. CAGR %	-17.39	-2.88	-19.7	22.92	-20.67
Diluted EPS Before Extra, 5 Yr. CAGR %	-18.04	-5.2	2.28	21.22	-61.12
Net Property, Plant and Equip., 5 Yr. CAGR %	8.89	7.24	4.02	2.94	-0.95
Accounts Receivable, 5 Yr. CAGR %	4.36	4.19	9.36	-16.24	-17.67
Total Assets, 5 Yr. CAGR %	2.12	3.54	5.06	-4.38	-4.44
Common Equity, 5 Yr. CAGR %	-0.56	-0.84	-3.82	-4.15	-6.55
Tangible Book Value, 5 Yr. CAGR %	-2.19	-2.59	-6.03	-6.38	-8.89
Cash From Operations, 5 Yr. CAGR %	4.44	12.19	-15.26	10.68	1.43
Capital Expenditures, 5 Yr. CAGR %	9.95	4.15	6.54	-16.64	-26.44
Levered Free Cash Flow, 5 Yr. CAGR %	44.86	21.5	40.09	-11.98	-40.94
Unlevered Free Cash Flow, 5 Yr. CAGR %	76.83	20.54	32.9	-11.36	-31.92
Dividend Per Share, 5 Yr. CAGR %	3.71	1.76	-3.23	0.56	-