SCOR SE (XSWX:SCR) Retained Earnings: CHF794 Mil (As of Dec. 2025)


XSWX:SCR SCOR SE XSWX:SCR
45 GF Score
Price CHF29.24
GF Value CHF22.95
Valuation Modestly Overvalued
! 2 Warning Signs
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What is SCOR SE Retained Earnings?

SCOR SE XSWX:SCR 45 Retained Earnings is CHF794 Mil as of Dec. 2025. GuruFocus rates XSWX:SCR with a GF Score™ of 45/100 and a GF Value™ of CHF22.95 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. SCOR SE's retained earnings for the quarter that ended in Dec. 2025 was CHF794 Mil.

SCOR SE's quarterly retained earnings declined from Jun. 2025 (CHF399 Mil) to Sep. 2025 (CHF0 Mil) but then increased from Sep. 2025 (CHF0 Mil) to Dec. 2025 (CHF794 Mil).

SCOR SE's annual retained earnings declined from Dec. 2023 (CHF766 Mil) to Dec. 2024 (CHF4 Mil) but then increased from Dec. 2024 (CHF4 Mil) to Dec. 2025 (CHF794 Mil).


SCOR SE  (XSWX:SCR) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


SCOR SE Retained Earnings Historical Data

* Premium members only.

The historical data trend for SCOR SE's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SCOR SE Retained Earnings Chart

SCOR SE Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 474.55 -1,364.83 765.78 3.73 794.10

SCOR SE Quarterly Data
Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Mar24 Jun24 Dec24 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.73 398.63 0.00 794.10 0.00
XSWX:SCR
45GF Score
SCOR SE XSWX:SCR
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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SCOR SE Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of CHF794 Mil mean?
SCOR SE (XSWX:SCR) has a Retained Earnings of CHF794 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on SCOR SE and its competitors.
Is SCOR SE's Retained Earnings too high?
SCOR SE's current Retained Earnings is CHF794 Mil. Overall, SCOR SE has a GF Score™ of 45/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SCOR SE's Retained Earnings compare to RGA and EG?
SCOR SE's Retained Earnings of CHF794 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on SCOR SE and its competitors. SCOR SE's current Retained Earnings is CHF794 Mil. 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 Modestly Overvalued. The stock's GF Value™ is CHF22.95, compared to a current price of CHF29.24 — trading 27.4% above its estimated fair value. The current Retained Earnings is CHF794 Mil. SCOR SE's overall GF Score™ is 45/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For SCOR SE (XSWX:SCR), the current Retained Earnings is CHF794 Mil 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 CHF29.24 is trading 27.4% above its estimated GF Value™ of CHF22.95. GuruFocus considers SCOR SE to be Modestly Overvalued.

Key valuation signals for XSWX:SCR:

  • Retained Earnings: CHF794 Mil
  • GF Value™: CHF22.95 vs. price of CHF29.24 (27.4% above fair value)
  • GF Score™: 45/100 with 2 warning signs

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 SE Business Description

Address 5, avenue Kleber, Paris, FRA, 75116
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.
45GF Score

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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF29.24
Price
CHF22.95
GF Value