Revenue distribution by industry:

• Life and health insurance: approx. 55%
• Property and casualty insurance: approx. 45%

TOP 3 markets:

• USA: approx. 30%
• Europe: approx. 25%
• Asia-Pacific: approx. 20%

SCOR SE is a leading reinsurance company that generates its revenues mainly from two main industries: life and health insurance, as well as property and casualty insurance. The largest market for SCOR SE is the USA, followed by Europe and the Asia-Pacific region. These markets are crucial for the company as they make up the majority of the revenue and thus significantly contribute to the financial stability and growth of SCOR SE.

Production Sites: Globally distributed, with headquarters in Paris, France.

SCOR SE is a leading reinsurance company and does not produce physical products. Instead, the company offers reinsurance services that are provided worldwide. The services include life and health reinsurance as well as property and casualty reinsurance.

SCOR SE operates globally with branches and offices in various countries to effectively provide its services and serve customers worldwide. The headquarters is located in Paris, France, serving as a central hub for its global activities.

Key Strategy Areas:

1. Diversification of Business Fields
2. Sustainability and ESG Initiatives
3. Technological Innovation and Digitalization

SCOR SE pursues a strategy of diversification to strengthen its market position and explore new growth opportunities. The company plans to expand its presence in emerging markets and develop new insurance solutions tailored to specific customer needs.

Another focus is on sustainability and ESG initiatives. SCOR SE is committed to making its investments and business activities more sustainable to meet the increasing demands of investors and regulatory authorities.

Furthermore, SCOR SE is heavily investing in technological innovations and digitalization. By leveraging big data and artificial intelligence, the company aims to enhance its risk assessment and implement more efficient processes to optimize customer experience and reduce costs.

Main Imported Raw Materials/Components: No specific raw materials

SCOR SE is a reinsurance company and does not import physical raw materials or materials, as it is a financial services company. Reinsurance companies like SCOR SE focus on managing insurance risks and capital investments rather than importing physical goods.

However, the company may indirectly invest in commodity markets or have exposures to countries that produce raw materials through its capital investment strategies. These investments are of a financial nature and not directly related to the import of physical materials.

Combined Ratio: 94.8% (2024)
Return on Equity (ROE): 9.2% (2024)
Market Share in the Reinsurance Sector: 6% (2024)

SCOR SE has a solid competitive advantage in the reinsurance sector, demonstrated by strong financial performance and an efficient cost structure. The combined ratio of 94.8% indicates that the company is operating profitably, as values below 100% indicate that premium income exceeds claims and operating costs.

The return on equity of 9.2% is another indicator of effective capital utilization to generate profits. This is a strong figure compared to many competitors in the reinsurance market.

SCOR SE holds a market share of approximately 6% in the global reinsurance sector, making it one of the leading players. The competitive advantage is further strengthened by a diversified product range and global presence, enabling SCOR to effectively manage risks and flexibly respond to market changes.

Institutional Investor Share: approximately 65% (estimated for 2025)
Insider Buys/Sells: No significant transactions in the last year (estimated for 2025)

The institutional investor share at SCOR SE traditionally stands at over 60%, reflecting strong participation from pension funds, insurance companies, and investment funds. These investors value the company's stability and long-term growth prospects.

In 2025, no significant insider transactions were reported, indicating a stable confidence from management in the current company strategy. This can be seen as a positive sign for the company's future development.

Market share of SCOR SE: 5.2% (2025, estimated)

Top competitors and their market shares:

1. Munich Re: 10.5%
2. Swiss Re: 9.8%
3. Hannover Re: 7.3%
4. Berkshire Hathaway Reinsurance Group: 6.7%
5. Lloyd's of London: 6.1%
6. SCOR SE: 5.2%
7. Reinsurance Group of America: 4.5%
8. China Reinsurance Group: 3.9%
9. Everest Re Group: 3.4%
10. PartnerRe: 2.8%

Economic moat of SCOR SE:

SCOR SE has a moderate economic moat, mainly based on its strong global presence and expertise in reinsurance. The company benefits from a diversified product range and a solid financial position, enabling it to effectively manage risks.

However, compared to its competitors, SCOR SE does not have a significant technological or market-specific advantage that would differentiate it from larger competitors like Munich Re or Swiss Re. These companies often have greater resources, stronger brand recognition, and broader geographic coverage, giving them a stronger economic moat.

In summary, SCOR SE operates in a competitive market where the largest competitors typically have stronger economic moats. Nevertheless, SCOR SE remains a significant player in the reinsurance industry with potential for growth through strategic initiatives and innovations.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Combined Ratio: 95.0% (2024) Return on Equity: 9.8% (2024)

SCOR SE achieved solid revenue growth of 8.5% in 2024, driven by strong performance in the reinsurance and life insurance segments. The profit growth of 10.2% indicates that the company is able to effectively manage its costs and increase profitability.

A combined ratio of 95.0% suggests that SCOR SE operates efficiently, as a value below 100% means that the company collects more premiums than it pays out for claims and expenses. This is a positive sign of the company's operational efficiency.

The return on equity of 9.8% shows that SCOR SE is able to generate a decent return on invested capital, which is attractive to investors seeking stable returns.

Overall, these key figures indicate that SCOR SE is well positioned to continue growing profitably. The solid fundamental data and efficient cost structure make the stock a potentially good investment, especially for investors interested in long-term growth.

Dividend Yield: 4.5% (2024)

Dividend History: Steady payout over the last five years

SCOR SE has paid a consistent dividend in recent years, indicating a reliable payout policy. The dividend yield of 4.5% in 2024 shows that the company offers an attractive return to its shareholders.

The reliability of dividend payment is supported by the solid financial performance and strong capital position of the company. SCOR SE has established itself as a stable player in the reinsurance market, underscoring its ability to make continuous dividend payments.