Scor is the world's fifth-largest reinsurer selling non-life and life reinsurance. Scor global life insurers life insurance and annuities. In its co-insurance agreements Scor shares in premiums and claims of life insurance contracts that have been sold by a primary insurer. In its excess of loss agreements, Scor reimburses a primary insurer for claims that are filed above an agreed amount. Scor also sells property and casualty reinsurance in co-insurance and excess of loss. Historically Scor has been better in specialist lines and not as good in lines where there is a large potential for loss. Having recently grown in natural catastrophe book, standards of underwriting have not been good. The business has subsequently decided to move back to its historical roots.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.51
Equity-to-Asset	0.13
Debt-to-Equity	0.69
Debt-to-EBITDA	2.36
Interest Coverage	11.81
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.72	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-50.7
	3-Year EBITDA Growth Rate	41.2
	3-Year EPS without NRI Growth Rate	52.7
	3-Year FCF Growth Rate	20.4
	3-Year Book Growth Rate	-7.5
	Future 3-5Y EPS without NRI Growth Rate	-6.25

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	19.9
	9-Day RSI	47.74
	14-Day RSI	60.45
	6-1 Month Momentum %	12.06
	12-1 Month Momentum %	57.04

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.52
	Dividend Payout Ratio	0.31
	Forward Dividend Yield %	5.9
	5-Year Yield-on-Cost %	4.52
	3-Year Average Share Buyback Ratio	1.3
	Shareholder Yield %	6.6

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	45.29
	FCF Margin %	83.04
	ROE %	17.85
	ROA %	2.38
	ROIC %	2.75
	Years of Profitability over Past 10-Year	9

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.89
	Forward PE Ratio	7.74
	PE Ratio without NRI	6.89
	Shiller PE Ratio	17.3
	Price-to-Owner-Earnings	10.4
	PS Ratio	3.05
	PB Ratio	1.17
	Price-to-Tangible-Book	1.66
	Price-to-Free-Cash-Flow	3.87
	Price-to-Operating-Cash-Flow	3.79
	EV-to-EBIT	5.17
	EV-to-Forward-EBIT	5.33
	EV-to-EBITDA	5.17
	EV-to-Revenue	3.95
	EV-to-Forward-Revenue	0.4
	EV-to-FCF	4.89
	Price-to-Projected-FCF	0.39
	Price-to-Median-PS-Value	6.52
	Price-to-Graham-Number	0.71
	Earnings Yield (Greenblatt) %	19.34
	FCF Yield %	26.39
	Forward Rate of Return (Yacktman) %	25.68

GF Value: $15.6

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