(MAP) Mapfre - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: MC (Spain) | Market Cap: 12.893m EUR | Total Return: 24.8% in 12m
Avg Turnover: 9.54M
EPS Trend: 73.4%
Qual. Beats: 1
Rev. Trend: 88.2%
Warnings
No concerns identified
Tailwinds
Idiosyncratic Leader
Mapfre, S.A. is a diversified insurance and financial services provider headquartered in Spain. The company operates across life, health, and property and casualty (P&C) segments, offering specialized products such as automobile, burial, and agricultural insurance. Its business model relies on a broad distribution network serving individual retail clients, self-employed professionals, and large-scale corporations.
As a multi-line insurer, Mapfre generates revenue through premium underwriting and the management of investment and pension funds. The European insurance sector is characterized by high regulatory capital requirements under the Solvency II framework, which dictates how firms manage risk and liquidity. Mapfre further mitigates exposure by operating a dedicated reinsurance division, providing coverage to other primary insurers to spread large-scale risk.
For a deeper dive into the companys historical performance, you can explore the detailed metrics available on ValueRay.
- High interest rates boost investment income and life insurance margins
- Rising claims costs in Spanish motor insurance weigh on underwriting profitability
- Latin American market growth offsets stagnant European premium volume expansion
- Global reinsurance pricing cycles dictate volatility in core operating earnings
- Extreme weather events increase catastrophe losses across property and agriculture portfolios
| Net Income: 1.10b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.58 > 1.0 |
| NWC/Revenue: -43.47% < 20% (prev -2.97%; Δ -40.50% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.64b > Net Income 1.10b |
| Net Debt (-21.6b) to EBITDA (23.9b): -0.90 < 3 |
| Current Ratio: 0.66 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.06b) vs 12m ago -0.09% < -2% |
| Gross Margin: 80.86% > 18% (prev 0.80%; Δ 8.01k% > 0.5%) |
| Asset Turnover: 51.02% > 50% (prev 42.58%; Δ 8.44% > 0%) |
| Interest Coverage Ratio: 49.54 > 6 (EBITDA TTM 23.9b / Interest Expense TTM 482.1m) |
| A: -0.23 (Total Current Assets 26.8b - Total Current Liabilities 40.5b) / Total Assets 58.5b |
| B: 0.02 (Retained Earnings 1.13b / Total Assets 58.5b) |
| C: 0.39 (EBIT TTM 23.9b / Avg Total Assets 62.0b) |
| D: 0.03 (Book Value of Equity 1.44b / Total Liabilities 48.0b) |
| Altman-Z'' = 1.14 = BB |
| DSRI: 1.10 (Receivables 1.50b/1.21b, Revenue 31.6b/27.9b) |
| GMI: 0.99 (GM 80.86% / 79.98%) |
| AQI: 0.53 (AQ_t 0.52 / AQ_t-1 0.98) |
| SGI: 1.14 (Revenue 31.6b / 27.9b) |
| TATA: -0.01 (NI 1.10b - CFO 1.64b) / TA 58.5b) |
| Beneish M = -3.15 (Cap -4..+1) = AA |
As of May 26, 2026, the stock is trading at EUR 4.21 with a total of 2,044,459 shares traded.
Over the past week, the price has changed by -0.85%,
over one month by +3.14%,
over three months by +6.53% and
over the past year by +24.78%.
Mapfre has no consensus analysts rating.
P/E Trailing = 11.373
P/E Forward = 8.881
P/S = 0.4258
P/B = 1.3701
P/EG = 2.5854
Revenue TTM = 31.6b EUR
EBIT TTM = 23.9b EUR
EBITDA TTM = 23.9b EUR
Long Term Debt = 2.57b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 3.69b EUR (from shortLongTermDebtTotal, last quarter) + Leases 358.1m
Net Debt = -21.6b EUR (calculated: Debt 3.69b - CCE 25.2b)
Enterprise Value = 12.9b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 49.54 (Ebit TTM 23.9b / Interest Expense TTM 482.1m)
EV/FCF = 9.06x (Enterprise Value 12.9b / FCF TTM 1.42b)
FCF Yield = 11.04% (FCF TTM 1.42b / Enterprise Value 12.9b)
FCF Margin = 4.50% (FCF TTM 1.42b / Revenue TTM 31.6b)
Net Margin = 3.49% (Net Income TTM 1.10b / Revenue TTM 31.6b)
Gross Margin = 80.86% ((Revenue TTM 31.6b - Cost of Revenue TTM 6.05b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.22 (Enterprise Value 12.9b / Total Assets 58.5b)
Interest Expense / Debt = 13.06% (Interest Expense 482.1m / Debt 3.69b)
Taxrate = 27.05% (183.2m / 677.3m)
NOPAT = 17.4b (EBIT 23.9b * (1 - 27.05%))
Current Ratio = 0.66 (Total Current Assets 26.8b / Total Current Liabilities 40.5b)
Debt / Equity = 0.39 (Debt 3.69b / totalStockholderEquity, last quarter 9.41b)
Debt / EBITDA = -0.90 (Net Debt -21.6b / EBITDA 23.9b)
Debt / FCF = -15.14 (Net Debt -21.6b / FCF TTM 1.42b)
Total Stockholder Equity = 9.32b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.78% (Net Income 1.10b / Total Assets 58.5b)
RoE = 11.83% (Net Income TTM 1.10b / Total Stockholder Equity 9.32b)
RoCE = 200.9% (EBIT 23.9b / Capital Employed (Equity 9.32b + L.T.Debt 2.57b))
RoIC = 97.12% (NOPAT 17.4b / Invested Capital 17.9b)
WACC = 7.62% (E(12.9b)/V(16.6b) * Re(7.07%) + D(3.69b)/V(16.6b) * Rd(13.06%) * (1-Tc(0.27)))
Discount Rate = 7.07% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 67.42 | Cagr: 0.01%
[DCF] Terminal Value 77.97% ; FCFF base≈1.34b ; Y1≈1.53b ; Y5≈2.26b
[DCF] Fair Price = 18.13 (EV 34.0b - Net Debt -21.6b = Equity 55.5b / Shares 3.06b; 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: 88.19 | Revenue CAGR: 20.17% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.09 | Chg30d=+0.00% | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.09 | Chg30d=+0.00% | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=0.41 | Chg30d=+5.37% | Revisions=+20% | GrowthEPS=+10.8% | GrowthRev=+33.8%
EPS next Year (2027-12-31): EPS=0.41 | Chg30d=+1.26% | Revisions=+20% | GrowthEPS=-0.3% | GrowthRev=-3.4%
[Analyst] Revisions Ratio: +20%