MAP Stock Analysis: Mapfre | MC
Insurance - Diversified | MC, Spain | Market Cap: 13.382m EUR | 12M Return: 20% | ES0124244E34 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.48M
EPS Trend: 73.4%
Qual. Beats: 1
Rev. Trend: 62.0%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Mapfre, S.A. is a Spain-based financial group that, through its subsidiaries, operates across insurance, reinsurance, and related financial services. Its product portfolio spans life and health coverage, property and casualty lines (including auto, home, commercial, and family third-party liability), savings, investment, retirement, burial, travel, and agriculture and livestock policies, complemented by investment and pension funds and reinsurance offerings. The company serves a broad customer base ranging from individuals and self-employed professionals to small, medium, and large enterprises.
Founded in 1933 and headquartered in Majadahonda, Spain, the group was originally known as Corporación Mapfre before adopting its current name in December 2006, and it operates as a subsidiary of Cartera Mapfre, S.L.
As a multi-line insurer, Mapfre earns revenue primarily through premiums collected on policy issuance, with profitability driven by underwriting discipline, claims management, and investment returns on the float generated by policyholder funds. Multi-line insurers like Mapfre typically diversify risk across personal and commercial lines and across geographies, which helps smooth earnings through economic and weather-related cycles.
- Investment income rises on higher interest rate environment
- Catastrophe losses pressure combined ratio in reinsurance
- Brazilian real weakness drags down emerging markets earnings
| Net Income: 1.18b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.15 > 1.0 |
| NWC/Revenue: -2.45% < 20% (prev 77.94%; Δ -80.40% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.64b > Net Income 1.18b |
| Net Debt (-23.2b) to EBITDA (20.2b): -1.15 < 3 |
| Current Ratio: 0.97 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.07b) vs 12m ago -0.12% < -2% |
| Gross Margin: 80.60% > 18% (prev 82.36%; Δ -1.76% > 0.5%) |
| Asset Turnover: 53.05% > 50% (prev 56.49%; Δ -3.44% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: -0.01 (Total Current Assets 26.8b - Total Current Liabilities 27.6b) / Total Assets 61.6b |
| B: 0.01 (Retained Earnings 646.2m / Total Assets 61.6b) |
| C: 0.34 (EBIT TTM 20.2b / Avg Total Assets 58.8b) |
| D: 0.20 (Book Value of Equity 10.0b / Total Liabilities 50.5b) |
| Altman-Z'' = 2.47 = A |
| DSRI: 1.38 (Receivables 1.65b/1.21b, Revenue 31.2b/31.6b) |
| GMI: 1.02 (GM 82.36% / 80.60%) |
| AQI: 1.09 (AQ_t 0.55 / AQ_t-1 0.50) |
| SGI: 0.99 (Revenue 31.2b / 31.6b) |
| TATA: -0.01 (NI 1.18b - CFO 1.64b) / TA 61.6b) |
| Beneish M = -2.65 (Cap -4..+1) = A |
As of August 25, 2026, the stock is trading at EUR 4.41 with a total of 889,209 shares traded. Over the past week, the price has changed by +0.05%, over one month by +1.85%, over three months by +7.03% and over the past year by +19.97%.
Current recommended Stop Loss: 4.20 (which is 4.8% or 3.5 ATR below the current price).
Mapfre has no consensus analysts rating.
P/E Trailing = 11.1795
P/E Forward = 8.881
P/S = 0.4297
P/B = 1.3335
P/EG = 2.5854
Revenue TTM = 31.2b EUR
EBIT TTM = 20.2b EUR
EBITDA TTM = 20.2b EUR
Long Term Debt = 2.90b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 3.26b EUR (from shortLongTermDebtTotal, last quarter) + Leases 358.1m
Net Debt = -23.2b EUR (calculated: Debt 3.26b - CCE 26.5b)
Enterprise Value = 13.4b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = unknown (Ebit TTM 20.2b / Interest Expense TTM 0.0)
EV/FCF = 9.40x (Enterprise Value 13.4b / FCF TTM 1.42b)
FCF Yield = 10.64% (FCF TTM 1.42b / Enterprise Value 13.4b)
FCF Margin = 4.56% (FCF TTM 1.42b / Revenue TTM 31.2b)
Net Margin = 3.79% (Net Income TTM 1.18b / Revenue TTM 31.2b)
Gross Margin = 80.60% ((Revenue TTM 31.2b - Cost of Revenue TTM 6.05b) / Revenue TTM)
Gross Margin QoQ = none% (prev 11.50%)
Tobins Q-Ratio = 0.22 (Enterprise Value 13.4b / Total Assets 61.6b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 3.26b)
Taxrate = 30.05% (793.3m / 2.64b)
NOPAT = 14.1b (EBIT 20.2b * (1 - 30.05%))
Current Ratio = 0.97 (Total Current Assets 26.8b / Total Current Liabilities 27.6b)
Debt / Equity = 0.33 (Debt 3.26b / totalStockholderEquity, last quarter 10.0b)
Debt / EBITDA = -1.15 (Net Debt -23.2b / EBITDA 20.2b)
Debt / FCF = -16.31 (Net Debt -23.2b / FCF TTM 1.42b)
Total Stockholder Equity = 9.61b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.01% (Net Income 1.18b / Total Assets 61.6b)
RoE = 12.31% (Net Income TTM 1.18b / Total Stockholder Equity 9.61b)
RoCE = 161.3% (EBIT 20.2b / Capital Employed (Equity 9.61b + L.T.Debt 2.90b))
RoIC = 43.44% (NOPAT 14.1b / Invested Capital 32.5b)
WACC = 5.61% (E(13.4b)/V(16.6b) * Re(6.98%) + D(3.26b)/V(16.6b) * Rd(0.0%) * (1-Tc(0.30)))
Discount Rate = 6.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 56.01 | Cagr: 0.07%
[DCF] Terminal Value 77.97% ; FCFF base≈1.34b ; Y1≈1.53b ; Y5≈2.26b
[DCF] Fair Price = 18.64 (EV 34.0b - Net Debt -23.2b = Equity 57.2b / Shares 3.07b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 73.38 | EPS CAGR: 19.05% | SUE: 1.05 | # QB: 1
Revenue Correlation: 61.97 | Revenue CAGR: 10.64% | SUE: 2.51 | # QB: 1
EPS current Quarter (2026-03-31): EPS=0.08 | Chg30d=+0.00% | Revisions=+0% | Analysts=1
EPS next Quarter (2026-06-30): EPS=0.13 | Chg30d=+43.98% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=0.41 | Chg30d=+1.05% | Revisions=+0% | GrowthEPS=+11.4% | GrowthRev=+33.8%
EPS next Year (2027-12-31): EPS=0.42 | Chg30d=+3.25% | Revisions=+62% | GrowthEPS=+2.6% | GrowthRev=-3.5%
[Analyst] Revisions Ratio: +62% (up=5, down=0)