MAP Stock Analysis: Mapfre | MC
Insurance - Diversified | MC, Spain | Market Cap: 13.910m EUR | 12M Return: 30.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.50M
EPS Trend: 73.4%
Qual. Beats: 1
Rev. Trend: 65.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 1.17b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.13 > 1.0 |
| NWC/Revenue: -129.4% < 20% (prev -117.2%; Δ -12.25% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.64b > Net Income 1.17b |
| Net Debt (2.21b) to EBITDA (19.0b): 0.12 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.08b) vs 12m ago 0.40% < -2% |
| Gross Margin: 79.81% > 18% (prev 83.07%; Δ -3.26% > 0.5%) |
| Asset Turnover: 46.95% > 50% (prev 58.08%; Δ -11.13% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: -0.55 (Total Current Assets 1.76b - Total Current Liabilities 40.5b) / Total Assets 70.9b |
| B: 0.02 (Retained Earnings 1.13b / Total Assets 70.9b) |
| C: 0.30 (EBIT TTM 19.0b / Avg Total Assets 63.8b) |
| D: 0.15 (Book Value of Equity 8.92b / Total Liabilities 60.9b) |
| Altman-Z'' = -1.38 = CCC |
As of July 28, 2026, the stock is trading at EUR 4.35 with a total of 4,393,714 shares traded. Over the past week, the price has changed by -3.12%, over one month by +1.68%, over three months by +8.93% and over the past year by +30.83%.
Current recommended Stop Loss: 4.20 (which is 3.4% or 1.7 ATR below the current price).
Mapfre has no consensus analysts rating.
P/E Trailing = 12.2703
P/E Forward = 8.881
P/S = 0.4647
P/B = 1.4867
P/EG = 2.5854
Revenue TTM = 30.0b EUR
EBIT TTM = 19.0b EUR
EBITDA TTM = 19.0b EUR
Long Term Debt = 2.57b EUR (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 3.97b EUR (from shortLongTermDebtTotal, last quarter) + Leases 358.1m
Net Debt = 2.21b EUR (calculated: Debt 3.97b - CCE 1.76b)
Enterprise Value = 16.1b EUR (13.9b + Debt 3.97b - CCE 1.76b)
Interest Coverage Ratio = unknown (Ebit TTM 19.0b / Interest Expense TTM 0.0)
EV/FCF = 11.32x (Enterprise Value 16.1b / FCF TTM 1.42b)
FCF Yield = 8.83% (FCF TTM 1.42b / Enterprise Value 16.1b)
FCF Margin = 4.75% (FCF TTM 1.42b / Revenue TTM 30.0b)
Net Margin = 3.90% (Net Income TTM 1.17b / Revenue TTM 30.0b)
Gross Margin = 79.81% ((Revenue TTM 30.0b - Cost of Revenue TTM 6.05b) / Revenue TTM)
Gross Margin QoQ = 11.50% (prev none%)
Tobins Q-Ratio = 0.23 (Enterprise Value 16.1b / Total Assets 70.9b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 3.97b)
Taxrate = 29.03% (750.8m / 2.59b)
NOPAT = 13.5b (EBIT 19.0b * (1 - 29.03%))
Current Ratio = 0.04 (Total Current Assets 1.76b / Total Current Liabilities 40.5b)
Debt / Equity = 0.44 (Debt 3.97b / totalStockholderEquity, last quarter 8.92b)
Debt / EBITDA = 0.12 (Net Debt 2.21b / EBITDA 19.0b)
Debt / FCF = 1.55 (Net Debt 2.21b / FCF TTM 1.42b)
Total Stockholder Equity = 9.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.83% (Net Income 1.17b / Total Assets 70.9b)
RoE = 12.49% (Net Income TTM 1.17b / Total Stockholder Equity 9.35b)
RoCE = 159.6% (EBIT 19.0b / Capital Employed (Equity 9.35b + L.T.Debt 2.57b))
RoIC = 46.73% (NOPAT 13.5b / Invested Capital 28.9b)
WACC = 5.56% (E(13.9b)/V(17.9b) * Re(7.15%) + D(3.97b)/V(17.9b) * Rd(0.0%) * (1-Tc(0.29)))
Discount Rate = 7.15% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 67.67 | Cagr: 0.22%
[DCF] Terminal Value 77.97% ; FCFF base≈1.34b ; Y1≈1.53b ; Y5≈2.26b
[DCF] Fair Price = 10.37 (EV 34.0b - Net Debt 2.21b = Equity 31.8b / 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: 65.41 | Revenue CAGR: 11.48% | SUE: -0.78 | # QB: 0
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=+0.54% | Revisions=+40% | GrowthEPS=+10.8% | GrowthRev=+25.6%
EPS next Year (2027-12-31): EPS=0.42 | Chg30d=+3.27% | Revisions=+40% | GrowthEPS=+3.2% | GrowthRev=+2.9%
[Analyst] Revisions Ratio: +57% (up=4, down=0)