Hannover Rück (OTC:HVRRF – Get Free Report) and Scor (OTCMKTS:SCRYY – Get Free Report) are both financial services companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, profitability, dividends, valuation, risk, earnings and institutional ownership.
Dividends
Hannover Rück pays an annual dividend of $2.25 per share and has a dividend yield of 1.0%. Scor pays an annual dividend of $0.10 per share and has a dividend yield of 3.4%. Hannover Rück pays out 28.2% of its earnings in the form of a dividend. Scor pays out 35.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Valuation & Earnings
This table compares Hannover Rück and Scor’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Hannover Rück | N/A | N/A | N/A | $7.97 | 27.32 |
| Scor | $20.79 billion | 0.25 | -$317.13 million | $0.28 | 10.54 |
Profitability
This table compares Hannover Rück and Scor’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Hannover Rück | N/A | N/A | N/A |
| Scor | 2.63% | 9.20% | 1.04% |
Insider & Institutional Ownership
20.0% of Hannover Rück shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for Hannover Rück and Scor, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Hannover Rück | 2 | 0 | 0 | 0 | 1.00 |
| Scor | 0 | 2 | 3 | 0 | 2.60 |
Scor has a consensus target price of $28.60, suggesting a potential upside of 869.49%. Given Scor’s stronger consensus rating and higher possible upside, analysts plainly believe Scor is more favorable than Hannover Rück.
Summary
Scor beats Hannover Rück on 8 of the 12 factors compared between the two stocks.
About Hannover Rück
Hannover Rück SE, together with its subsidiaries, provides reinsurance products and services worldwide. It operates through Property & Casualty Reinsurance, and Life & Health Reinsurance segments. The company offers property and casualty reinsurance solutions for agricultural, livestock, and bloodstock businesses; aviation and space businesses; catastrophe XL business; credit, surety, and political risks businesses; facultative business; and marine and offshore energy businesses, as well as insurance-linked securities and structured reinsurance. It also provides risk solutions in the areas of critical illness, disability, health, longevity, long term care, and mortality. In addition, the company offers group and individual retirement and lifestyle, credit life, and Takaful reinsurance products. Further, it provides various financial solutions, including new-business financing; monetization of embedded value; reserve and solvency relief; and divestiture of non-core businesses. The company was formerly known as Hannover Rückversicherung AG and changed its name to Hannover Rück SE in March 2013. The company was founded in 1966 and is based in Hanover, Germany. Hannover Rück SE operates as a subsidiary of Talanx AG.
About Scor
SCOR SE, together with its subsidiaries, provides life and non-life reinsurance products in Europe, the Middle East, Africa, the Americas, Latin America, and Asia Pacific. It operates in two segments, SCOR P&C and SCOR L&H. The SCOR P&C segment offers reinsurance products in the areas of property, motors, casualty treaties, credit and surety, decennial insurance, aviation, marine and energy, engineering, agricultural risks, and property catastrophes; specialties insurance products, including business solutions, political and credit risks, cyber, and environmental liability; and business ventures and partnerships. The SCOR L&H segment provides life reinsurance products, such as protection for mortality, morbidity, behavioral risks, disability, long-term care, critical illness, medical, and personal accident. This segment also provides financial solutions that combine traditional life reinsurance with financial components and provide liquidity, balance sheet, solvency, and income improvements to clients; longevity solutions that include products covering the risk of negative deviation from expected results due to the insured or annuitant living longer than assumed in the pricing of insurance covers provided by insurers or pension funds; and distribution solutions. In addition, it is involved in the asset management business. The company was founded in 1970 and is headquartered in Paris, France.
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