Mapfre, SA (MAP) AI Stock Analysis

• Market Cap: €13.10B
• Dividend Yield: 3.56%
• Average Volume (3M): 3.39M
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.90
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: ES
• Employees: 30,585
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 0.11
• Shares Outstanding: 3,079,553,200
• 10 Day Avg. Volume: 3,747,580
• 30 Day Avg. Volume: 3,389,068
• PEG Ratio: 0.17
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 0.26
• P/FCF Ratio: 6.20
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €3.98
• Price Target Upside: -7.44% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: €4.00 ▼(-6.98% Downside)

Mapfre, SA's overall stock score is driven by its stable financial performance and attractive valuation. However, technical analysis indicates weak momentum, which could pose short-term challenges. The absence of recent earnings call data limits insights into management's outlook and strategic direction.

Positive Factors

Stable Balance Sheet

A stable balance sheet with moderate leverage indicates financial resilience, allowing Mapfre to withstand economic fluctuations and invest in growth opportunities.

High Gross Profit Margins

High gross profit margins suggest strong pricing power and operational efficiency, which can support profitability and competitive positioning in the insurance market.

International Presence

A broad international presence diversifies revenue sources and reduces dependency on any single market, enhancing long-term growth prospects and stability.

Negative Factors

Inconsistent Revenue Growth

Inconsistent revenue growth indicates challenges in maintaining a steady growth trajectory, which could impact long-term strategic planning and market confidence.

Cash Flow Challenges

Negative cash flows in the past suggest potential difficulties in funding operations and investments, which may affect financial flexibility and growth initiatives.

Modest Net Profit Margin

A modest net profit margin implies limited profitability, which could constrain reinvestment in business development and shareholder returns over the long term.

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, and other insurance. The company also provides vehicle, third-party liability and asset, agriculture and livestock, commercial establishment, and other insurance products. In addition, it offers engineering and building, hull and aviation, transportation of goods, surety and credit, life and retirement, and other insurances and reinsurance products. The company offers its services to individuals, professionals, entrepreneurs, self-employed people, small and medium-sized enterprises, and large corporations. It distributes its products through a network of 4,942 direct and delegates; and 10,412 bancassurance offices, as well as through 77,754 delegates, agents, and brokers. The company was formerly known as Corporacion Mapfre and changed its name to Mapfre, S.A. in December 2006. Mapfre, S.A. was founded in 1933 and is headquartered in Majadahonda, Spain. Mapfre, S.A. operates as a subsidiary of Cartera Mapfre, S.L.

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. Key revenue streams include premiums from life insurance policies, property and casualty insurance, and reinsurance agreements. Additionally, Mapfre benefits from investment income derived from its managed assets, as it invests the premiums collected until claims are paid out. The company also engages in strategic partnerships with financial institutions and agents, enhancing its distribution channels and expanding its customer base, contributing significantly to its overall earnings.

Mapfre, SA Financial Statement Overview

Summary

Mapfre, SA demonstrates a solid but fluctuating financial performance. The company's strengths lie in its stable balance sheet and high gross profit margins. However, inconsistencies in revenue growth and past cash flow challenges highlight areas for improvement. A focus on enhancing profitability and cash flow stability could bolster overall financial health.

Income Statement

Mapfre, SA shows moderate performance in its income statement. The Gross Profit Margin is consistently high, as expected in the insurance industry. However, the Net Profit Margin is relatively modest, indicating room for improvement in profitability. The revenue growth rate has been inconsistent, with fluctuations over the years, which suggests challenges in maintaining a steady growth trajectory. The absence of EBIT and EBITDA data for 2024 limits the analysis of operational efficiency for the latest year.

Balance Sheet

The company's balance sheet reflects a stable financial position with a moderate Debt-to-Equity Ratio, indicating a balanced approach to leverage. Return on Equity (ROE) has shown variability, but the company maintains a solid Equity Ratio, suggesting a strong capital structure. However, the fluctuations in total assets and liabilities over the years point to potential volatility in financial stability.

Cash Flow

The cash flow statement reveals some strengths and weaknesses. Free Cash Flow has shown growth in recent years, but past negative free cash flows highlight potential challenges in cash management. The Operating Cash Flow to Net Income Ratio is unavailable for the latest year, limiting insights into operational cash generation efficiency. Historical fluctuations in cash flow metrics suggest potential risks in maintaining consistent cash flow stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	31.61B	25.83B	25.64B	21.67B	20.58B	19.11B
Gross Profit	31.61B	20.26B	20.28B	16.76B	15.97B	14.50B
EBITDA	0.00	2.10B	1.65B	1.27B	1.36B	1.12B
Net Income	1.10B	967.50M	677.20M	563.60M	765.20M	526.50M
Balance Sheet
Total Assets	55.96B	56.71B	54.95B	59.63B	63.85B	69.15B
Cash, Cash Equivalents and Short-Term Investments	24.99B	24.93B	2.09B	28.08B	32.28B	32.80B
Total Debt	3.11B	3.00B	3.05B	4.64B	3.38B	3.27B
Total Liabilities	45.88B	46.72B	45.29B	51.27B	54.19B	59.31B
Stockholders Equity	8.99B	8.89B	8.47B	7.80B	8.46B	8.54B
Cash Flow
Free Cash Flow	0.00	1.21B	1.40B	854.30M	-611.60M	-884.50M
Operating Cash Flow	0.00	1.50B	1.62B	1.08B	-485.90M	-596.10M
Investing Cash Flow	0.00	-746.90M	-673.60M	-198.50M	1.31B	1.18B
Financing Cash Flow	0.00	-1.09B	-1.28B	-724.30M	-369.40M	-570.00M

Mapfre, SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 4.3 is above the 20-day moving average (MA) of 4.11, above the 50-day MA of 4.00, and above the 200-day MA of 3.54, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 69.54 is Neutral, neither overbought nor oversold. The STOCH value of 91.05 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GCO	68 Neutral	€5.31B	7.95	11.53%	10.61%	4.70%	18.04%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MAP	63 Neutral	€13.10B	12.36	12.20%	3.56%	―	―