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Mapfre, SA (ES:MAP)
BME:MAP
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Mapfre, SA (MAP) Price & Analysis

79 Followers

MAP Stock Chart & Stats

€4.26
<€0.01(0.24%)
At close: 4:00 PM EST
€4.26
<€0.01(0.24%)

Bulls Say, Bears Say

Bulls Say
Improved ProfitabilityMapfre's operating margin expansion to ~9.6% and net income of ~€1.13B in 2025 indicate strengthened underwriting and/or investment outcomes. Sustained higher margins improve earnings power, support dividend capacity and capital accumulation, bolstering resilience through underwriting cycles over the medium term.
Stronger Leverage ProfileLeverage falling to a ~0.35 debt-to-equity ratio alongside rising equity (to ~€9.4B) materially strengthens the balance sheet. Lower financial risk increases solvency headroom, reduces refinancing pressure and permits more stable underwriting capacity and capital returns over the next several quarters.
Positive Free Cash FlowConsistent recent free cash flow — €1.42B in 2025 and high conversion versus net income — signals solid cash generation from operations and investments. This enhances financial flexibility to fund reserves, dividends and targeted investments without immediate reliance on capital markets, supporting medium-term strategy execution.
Bears Say
Revenue VolatilityTop-line swings — notably a -16.6% revenue drop in 2025 after prior variability — undermine predictability of premium growth and scale. Persistent revenue volatility complicates expense leverage, reserve planning and medium-term growth forecasting, increasing execution risk for underwriting and distribution strategies.
Inconsistent Cash ConversionHistoric negative operating cash flow in 2020–2021 and a notably low OCF coverage metric in 2025 point to uneven cash conversion across cycles. This inconsistency raises funding risk for claims and capital returns during stress periods and increases dependence on investment income or external financing at times.
Limited Visibility On Capital EfficiencyThe insurer's very large asset base and missing 2025 ROE reduce clarity on risk-adjusted returns and capital deployment efficiency. Limited visibility into current ROE trends makes it harder to assess long-term profitability per unit of capital and the effectiveness of reserve and investment allocation decisions.

Mapfre, SA News

MAP FAQ

What was Mapfre, SA’s price range in the past 12 months?
Mapfre, SA lowest stock price was €3.40 and its highest was €4.53 in the past 12 months.
    What is Mapfre, SA’s market cap?
    Mapfre, SA’s market cap is €13.69B.
      When is Mapfre, SA’s upcoming earnings report date?
      Mapfre, SA’s upcoming earnings report date is Jul 24, 2026 which is in 2 days.
        How were Mapfre, SA’s earnings last quarter?
        Mapfre, SA released its earnings results on Apr 29, 2026. The company reported €0.106 earnings per share for the quarter, missing the consensus estimate of €0.111 by -€0.005.
          Is Mapfre, SA overvalued?
          According to Wall Street analysts Mapfre, SA’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Mapfre, SA pay dividends?
            Mapfre, SA pays a Semiannually dividend of €0.11 which represents an annual dividend yield of 4.02%. See more information on Mapfre, SA dividends here
              What is Mapfre, SA’s EPS estimate?
              Mapfre, SA’s EPS estimate is 0.14.
                How many shares outstanding does Mapfre, SA have?
                Mapfre, SA has 3,079,553,200 shares outstanding.
                  What happened to Mapfre, SA’s price movement after its last earnings report?
                  Mapfre, SA reported an EPS of €0.106 in its last earnings report, missing expectations of €0.111. Following the earnings report the stock price went up 2.138%.
                    Which hedge fund is a major shareholder of Mapfre, SA?
                    Currently, no hedge funds are holding shares in ES:MAP
                    What is the TipRanks Smart Score and how is it calculated?
                    Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                      Company Description

                      Mapfre, SA

                      Mapfre, S.A. functions as a worldwide purveyor of insurance and reinsurance products. Its comprehensive offerings encompass personal coverage such as life, health, accident, and burial policies, in addition to financial planning vehicles like savings, investment, and retirement solutions. The company also provides property and casualty lines, including policies for homeowners, automobiles, and general third-party liability for individuals and families. For its business clientele, Mapfre furnishes specialized insurance for commercial vehicles, corporate liability, asset safeguarding, agricultural and livestock operations, and various commercial establishments. Furthermore, it underwrites intricate risks across sectors like engineering and construction, marine and aviation, cargo transportation, and extends surety and credit insurance, along with specific life and retirement programs. Mapfre serves a diverse range of customers, from private individuals and self-employed professionals to small and medium-sized enterprises (SMEs) and major corporations. Its extensive distribution framework is supported by approximately 4,942 direct and delegated offices, more than 10,400 bancassurance outlets, and a substantial network of over 77,000 independent agents and brokers globally. Founded in 1933 and headquartered in Majadahonda, Spain, the entity was formerly known as Corporacion Mapfre until its rebranding in December 2006. Mapfre, S.A. operates as a subsidiary of Cartera Mapfre, S.L.

                      Mapfre, SA (MAP) Earnings & Revenues

                      MAP Stock 12 Month Forecast

                      Average Price Target

                      €3.78
                      ▼(-11.27% Downside)
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