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SCOR SEXSWX:SCR 47 3-Year Book Growth Rate is 0.80% as of Dec. 2025, which is 11% below its 10-year median of 0.90. GuruFocus rates XSWX:SCR with a GF Score™ of 47/100 and a GF Value™ of CHF22.68 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 481 Insurance companies, SCOR SE ranks worse than 81.7% on this metric.
During the past 12 months, SCOR SE's average Book Value per Share Growth Rate was -2.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 0.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -7.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -3.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of SCOR SE was 108.00% per year. The lowest was -62.40% per year. And the median was 0.90% per year.
SCOR SE (XSWX:SCR) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
SCOR SE 3-Year Book Growth Rate Related Terms
XSWX:SCR vs RGA, EG, RNR: 3-Year Book Growth Rate Comparison
For the Insurance - Reinsurance subindustry, SCOR SE's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SCOR SE 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, SCOR SE's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where SCOR SE's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 0.80% mean?
SCOR SE (XSWX:SCR) has a 3-Year Book Growth Rate of 0.80% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SCOR SE and its competitors. This is 11% below median its historical median of 0.90. According to the industry distribution chart, SCOR SE ranks #393 out of 481 companies in the Insurance industry, placing it in the top 81.7%.
Is SCOR SE's 3-Year Book Growth Rate too high?
SCOR SE's current 3-Year Book Growth Rate of 0.80% is 11% below median its 10-year median of 0.90. The Insurance industry median 3-Year Book Growth Rate is 8.50. SCOR SE's value of 0.80% is 90.6% below this industry median. Based on the distribution chart, SCOR SE ranks #393 out of 481 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, SCOR SE has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SCOR SE's 3-Year Book Growth Rate compare to RGA and EG?
According to the Insurance industry distribution chart, SCOR SE ranks #393 out of 481 companies for 3-Year Book Growth Rate. This places SCOR SE in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.50. SCOR SE's value of 0.80% is 90.6% below this benchmark. While the company's 10-year median is 0.90 vs. the industry median of 8.50, SCOR SE has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.50, based on 481 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SCOR SE's current 3-Year Book Growth Rate of 0.80% is 90.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SCOR SE and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SCOR SE's current 3-Year Book Growth Rate is 0.80%, which is 11% below median its own 10-year median of 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SCOR SE stock overvalued right now?
Based on GuruFocus' analysis, SCOR SE (XSWX:SCR) is currently considered Significantly Overvalued. The stock's GF Value™ is CHF22.68, compared to a current price of CHF30.40 — trading 34% above its estimated fair value. The current 3-Year Book Growth Rate is 0.80%, which is 11% below median its 10-year median of 0.90 and 90.6% below the Insurance industry median of 8.50. SCOR SE's overall GF Score™ is 47/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For SCOR SE (XSWX:SCR), the current 3-Year Book Growth Rate is 0.80% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SCOR SE (XSWX:SCR) Overvalued in 2026?
Based on GuruFocus' analysis, SCOR SE stock appears to be overvalued.
The current stock price of CHF30.40 is trading 34% above its estimated GF Value™ of CHF22.68.
GuruFocus considers SCOR SE to be Significantly Overvalued.
Key valuation signals for XSWX:SCR:
3-Year Book Growth Rate: 0.80% (11% below median its 10-year median of 0.90)
GF Value™: CHF22.68 vs. price of CHF30.40 (34% above fair value)
Industry Position: 90.6% below the Insurance median (#393 of 481)
No single metric tells the full story. See the XSWX:SCR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scor is the world's sixth-largest reinsurer, selling nonlife and life reinsurance. Scor Global Life insures life, health, and annuities. This means 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 coinsurance 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.
47GF Score
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