Scor SE
XMUN:SDRC

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Scor SE
XMUN:SDRC
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Price: 32.74 EUR -0.49% Market Closed
Market Cap: €5.9B

Scor SE
Investor Relations

Scor SE is a global reinsurance company. It sells insurance protection to other insurers and reinsurers, helping them share the risk from large losses such as natural disasters, accidents, and long-term life and health claims. In simple terms, Scor sits behind insurance companies and gives them a way to offload part of the risk they underwrite. The company makes money by charging premiums for that risk coverage and by managing the investments tied to those insurance liabilities. Its customers are mainly property and casualty insurers, life insurers, and other risk carriers that need a partner to take on part of their exposures. Scor also works with brokers and large commercial clients that buy reinsurance through the insurance market. What makes Scor’s business model distinct is that it is not selling policies to individual consumers. It is a specialist wholesale risk partner that helps keep the broader insurance system stable by spreading risk across many countries and types of coverage. That role depends on deep actuarial expertise, disciplined risk selection, and the ability to pay claims when major events happen.

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Last Earnings Call
Fiscal Period
Q2 2026
Call Date
Jul 30, 2026
AI Summary
Q2 2026

Strong quarter: SCOR said Q2 and first-half results were strong and clean, with first-half net income of EUR 409 million and an annualized ROE of 19%.

Capital remains solid: The solvency ratio was 220%, up 5 points from year-end 2025, and management said balance sheet resilience continued to improve.

P&C held up well: P&C posted a combined ratio below 80% in the first half and 79.5% in Q2, helped by benign cat activity and strong underlying loss performance.

Growth mix improved: SCOR grew its P&C treaty portfolio by 3.2% year-to-date, with especially strong growth in alternative solutions and specialty lines, while remaining cautious in U.S. casualty.

Life & Health steady: Life & Health stayed in line with expectations, with the team saying the reset done in 2024 continues to build confidence in the portfolio and assumptions.

Outlook unchanged: Management kept 2026 capital generation guidance at 3% to 5%, saying it would not simply extrapolate favorable cat experience into the future.

Balance sheet focus: Management repeatedly emphasized buffers, deleveraging, and higher resilience as key priorities, with more discussion expected at the next strategic plan update.

Key Financials
Group net income
EUR 409 million
Group net income
EUR 188 million
Return on equity
19%
Return on equity
18%
Solvency ratio
220%
Economic value
EUR 9 billion
Combined ratio
79.5%
Combined ratio
below 80%
P&C new business CSM
EUR 255 million
P&C new business CSM
EUR 978 million
P&C treaty portfolio growth
3.2%
Alternative solutions premiums
more than 70%
Alternative solution EGPI
133%
Insurance service result
EUR 157 million
Insurance service result
EUR 49 million
Insurance service result ex. arbitration
EUR 113 million
Arbitration impact
EUR 64 million
Life & Health new business CSM
EUR 216 million
Regular income yield
3.6%
Return on invested assets
3.7%
Reinvestment rate
4.3%
Asset duration
4.4 years
Capital generation guidance
3% to 5%
Expenses
EUR 1.2 billion
Tax rate
below 30%
Earnings Call Recording
Other Earnings Calls

Management

Mr. Thierry Leger
CEO & Director
No Bio Available
Dr. Francois de Varenne Ph.D.
Group CFO & Deputy CEO
No Bio Available
Ms. Claire Le Gall-Robinson
Group Company Secretary & Group Chief ESG
No Bio Available
Mr. Fabian Peder Gultier Uffer
Group Chief Risk Officer
No Bio Available
Mr. Redmond Murphy
Deputy CEO of SCOR Life & Health
No Bio Available
Mr. Jean-Paul Conoscente-Jacopin
Chief Executive Officer of SCOR Property & Casualty
No Bio Available
Ms. Claudia Dill M.B.A.
Group Chief Operating Officer
No Bio Available
Mr. Marc Philippe
Chief Information Officer
No Bio Available
Mr. Thomas Fossard
Head of Investor Relations
No Bio Available
Mr. Spencer Alridge
Group Chief Compliance Officer
No Bio Available

Contacts

Address
ILE-DE-FRANCE
Paris
5, Avenue Kleber, Paris Cedex 16
Contacts
+33158447000
www.scor.com