Mapfre, SA (ES:MAP)
BME:MAP
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Mapfre, SA
(BME:MAP)
Select Model
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Rating:61Neutral
Price Target:
€4.00
▼(-2.44% Downside)
Action:ReiteratedDate:02/18/26
The score is driven primarily by improving profitability and a healthier leverage profile, supported by a reasonable valuation and attractive dividend yield. These positives are tempered by top-line volatility and inconsistent cash-flow history, while technical indicators currently point to weak momentum with the stock trading below key moving averages.
Positive Factors
Improving profitability
Operating margin and net income have risen meaningfully since 2022, indicating stronger underwriting and/or expense control. Higher and improving margins support durable earnings power, greater capacity to absorb underwriting cycles, and more predictable distributable profits over the medium term.
Negative Factors
Revenue volatility
A pronounced and recent top-line decline signals instability in premium volume or pricing. Persistent revenue volatility undermines long-term growth visibility, complicates expense and capital planning, and can strain profit sustainability if recurring.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Operating margin and net income have risen meaningfully since 2022, indicating stronger underwriting and/or expense control. Higher and improving margins support durable earnings power, greater capacity to absorb underwriting cycles, and more predictable distributable profits over the medium term.
Read all positive factors
Mapfre, SA (MAP) vs. iShares MSCI Spain ETF (EWP)
Market Cap
€12.37B
Dividend Yield3.56%
Average Volume (3M)3.39M
Price to Earnings (P/E)―
Beta (1Y)0.95
Revenue GrowthN/A
EPS GrowthN/A
CountryES
Employees30,585
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.10
Shares Outstanding3,079,553,200
10 Day Avg. Volume3,747,580
30 Day Avg. Volume3,389,068
Financial Highlights & Ratios
PEG Ratio0.74
Price to Book (P/B)1.40
Price to Sales (P/S)0.50
P/FCF Ratio9.24
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€3.78Price Target Upside-7.80% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering2
EPS Forecast (FY)0.4
Revenue Forecast (FY)€29.13B
Mapfre, SA Business Overview & Revenue Model
Company Description
Mapfre, S.A., engages in the insurance and reinsurance activities worldwide. It offers life, health, accident, savings and investment, retirement, burial, and travel and leisure insurance; and homeowner's, automobile, third-party liability, family...
How the Company Makes Money
Mapfre generates revenue primarily through its insurance premiums collected from policyholders across its various insurance products. The company earns money by underwriting insurance policies, where it assesses risks and sets premiums accordingly...
Mapfre, SA Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
74
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 31.61B | 26.36B | 25.83B | 25.64B | 21.67B | 20.58B |
| Gross Profit | 31.61B | 20.30B | 20.26B | 20.28B | 16.76B | 15.97B |
| EBITDA | 0.00 | 2.52B | 2.10B | 1.65B | 1.27B | 1.36B |
| Net Income | 1.10B | 1.13B | 967.50M | 677.20M | 563.60M | 765.20M |
Balance Sheet | ||||||
| Total Assets | 55.96B | 58.51B | 56.71B | 54.95B | 59.63B | 63.85B |
| Cash, Cash Equivalents and Short-Term Investments | 24.99B | 25.24B | 24.93B | 2.09B | 28.08B | 32.28B |
| Total Debt | 3.11B | 3.33B | 3.00B | 3.05B | 4.64B | 3.38B |
| Total Liabilities | 45.88B | 48.00B | 46.72B | 45.29B | 51.27B | 54.19B |
| Stockholders Equity | 8.99B | 9.41B | 8.89B | 8.47B | 7.80B | 8.46B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 1.42B | 1.21B | 1.40B | 854.30M | -611.60M |
| Operating Cash Flow | 0.00 | 1.64B | 1.50B | 1.62B | 1.08B | -485.90M |
| Investing Cash Flow | 0.00 | -405.20M | -746.90M | -673.60M | -198.50M | 1.31B |
| Financing Cash Flow | 0.00 | -934.00M | -1.09B | -1.28B | -724.30M | -369.40M |
Mapfre, SA Technical Analysis
Positive
4.10
Price Trends
3.83
Positive
3.97
Positive
3.85
Positive
Market Momentum
0.05
Negative
70.42
Negative
85.71
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:MAP, the sentiment is Positive. The current price of 4.1 is above the 20-day moving average (MA) of 3.78, above the 50-day MA of 3.83, and above the 200-day MA of 3.85, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 70.42 is Negative, neither overbought nor oversold. The STOCH value of 85.71 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ES:MAP.
Mapfre, SA Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | €1.34B | 14.22 | 22.96% | 3.49% | 5.26% | 128.61% | |
68 Neutral | €109.39B | 11.93 | 18.53% | 3.39% | 5.66% | 8.16% | |
62 Neutral | €7.10B | 13.74 | 9.08% | 5.80% | -9.39% | 45.60% | |
61 Neutral | €12.37B | ― | 11.83% | 3.56% | ― | ― | |
60 Neutral | €154.31B | 10.62 | 13.89% | 1.82% | -16.49% | 14.32% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
ES:MAP
Mapfre, SA
4.10
1.42
52.89%
ES:SAN
Banco Santander
10.52
4.86
85.83%
ES:BBVA
Banco Bilbao Vizcaya Argentaria
19.71
8.52
76.14%
ES:UNI
Unicaja Banco SA
2.76
1.23
80.87%
ES:LDA
Linea Directa Aseguradora SA
1.23
0.11
10.04%
ES:INDXA
Indexa Capital Group, S.A.
12.80
5.10
66.23%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.