SCOR SEXSWX:SCR -0.07%45 ROE % is 19.07% as of Dec. 2025, which is 210% above its 10-year median of 6.16. GuruFocus rates XSWX:SCR with a GF Score™ of 45/100 and a GF Value™ of CHF22.81 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 504 Insurance companies, SCOR SE ranks better than 63.1% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. SCOR SE's annualized net income for the quarter that ended in Dec. 2025 was CHF780 Mil. SCOR SE's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was CHF4,091 Mil. Therefore, SCOR SE's annualized ROE % for the quarter that ended in Dec. 2025 was 19.07%.
The historical rank and industry rank for SCOR SE's ROE % or its related term are showing as below:
XSWX:SCR'
s ROE % Range Over the Past 10 Years
Min: -24.84 Med: 6.16 Max: 19.01
Current: 14.82
During the past 13 years, SCOR SE's highest ROE % was 19.01%. The lowest was -24.84%. And the median was 6.16%.
XSWX:SCR's ROE % is ranked better than 63.1% of 504
companies
in the Insurance industry
Industry Median: 11.675
vs XSWX:SCR: 14.82
SCOR SE (XSWX:SCR) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
SCOR SE ROE % Related Terms
SCOR SE ROE % Historical Data
* Premium members only.
The historical data trend for SCOR SE's ROE % 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.
For the Insurance - Reinsurance subindustry, SCOR SE's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, SCOR SE's ROE % distribution charts can be found below:
* The bar in red indicates where SCOR SE's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
SCOR SE (XSWX:SCR) has a ROE % of 19.07% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SCOR SE and its competitors. This is 210% above median its historical median of 6.16. According to the industry distribution chart, SCOR SE ranks #186 out of 504 companies in the Insurance industry, placing it in the top 36.9%.
Is SCOR SE's ROE % too high?
SCOR SE's current ROE % of 19.07% is 210% above median its 10-year median of 6.16. The Insurance industry median ROE % is 11.68. SCOR SE's value of 19.07% is 63.3% above this industry median. Based on the distribution chart, SCOR SE ranks #186 out of 504 companies in the Insurance industry, which is above the industry midpoint. 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 ROE % compare to RGA and EG?
According to the Insurance industry distribution chart, SCOR SE ranks #186 out of 504 companies for ROE %. This puts SCOR SE in the upper half of its industry. The industry median ROE % is 11.68. SCOR SE's value of 19.07% is 63.3% above this benchmark. While the company's 10-year median is 6.16 vs. the industry median of 11.68, SCOR SE has consistently been above 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SCOR SE's current ROE % of 19.07% is 63.3% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SCOR SE and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SCOR SE's current ROE % is 19.07%, which is 210% above median its own 10-year median of 6.16. 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 CHF22.81, compared to a current price of CHF28.46 — trading 24.8% above its estimated fair value. The current ROE % is 19.07%, which is 210% above median its 10-year median of 6.16 and 63.3% above the Insurance industry median of 11.68. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For SCOR SE (XSWX:SCR), the current ROE % is 19.07% 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 CHF28.46 is trading 24.8% above its estimated GF Value™ of CHF22.81.
GuruFocus considers SCOR SE to be Modestly Overvalued.
Key valuation signals for XSWX:SCR:
ROE %: 19.07% (210% above median its 10-year median of 6.16)
GF Value™: CHF22.81 vs. price of CHF28.46 (24.8% above fair value)
Industry Position: 63.3% above the Insurance median (#186 of 504)
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.
45GF Score
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