Mapfre, SA (MAP) AI Stock Analysis

• Market Cap: €10.54B
• Dividend Yield: 4.7%
• Average Volume (3M): 4.49M
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.86
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: ES
• Employees: 30,585
• Sector: General
• Sector Strength: N/A
• Industry: Insurance - Diversified
• EPS (TTM): 0.08
• Shares Outstanding: 3,079,553,200
• 10 Day Avg. Volume: 3,311,634
• 30 Day Avg. Volume: 4,494,752
• PEG Ratio: 1.29
• Price to Book (P/B): 1.19
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: €3.28
• Price Target Upside: -6.82% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 71 Outperform
• Price Target: €4.00 ▲(13.64%Upside)

Mapfre, SA scores a 71, driven primarily by its stable financial performance and attractive valuation. The technical analysis indicates a positive trend, supporting the stock's potential for price appreciation. However, the company's past cash flow challenges and inconsistent revenue growth present areas for potential risk. The absence of new earnings call insights or notable corporate events means that these components do not impact the score.

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, SA generates revenue primarily through the underwriting of insurance policies across multiple sectors, including life, non-life, and health insurance. The company earns money from the premiums paid by policyholders for these insurance products. Additionally, Mapfre invests the premiums it collects into financial markets, generating income from investment returns. The company's revenue streams also include fees and commissions from various financial and insurance-related services. Strategic partnerships and collaborations with other financial institutions and a robust distribution network further enhance Mapfre's ability to reach a broad customer base, thereby driving its 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	27.85B	25.83B	27.13B	21.56B	20.58B	19.15B
Gross Profit	30.92B	25.83B	27.13B	21.56B	20.58B	19.15B
EBITDA	539.50M	2.13B	1.92B	1.52B	1.66B	1.42B
Net Income	871.00M	967.50M	677.20M	1.08B	1.04B	820.70M
Balance Sheet
Total Assets	54.62B	56.71B	54.95B	59.63B	63.85B	69.15B
Cash, Cash Equivalents and Short-Term Investments	1.65B	24.93B	2.09B	28.08B	32.28B	32.80B
Total Debt	2.72B	2.57B	3.05B	4.64B	4.91B	4.83B
Total Liabilities	44.94B	46.72B	45.29B	51.27B	54.19B	59.31B
Stockholders Equity	8.54B	8.89B	8.47B	7.29B	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	-1.18B	-724.30M	-369.40M	-570.00M

Mapfre, SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.52
• 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 3.52 is above the 20-day moving average (MA) of 3.38, above the 50-day MA of 3.33, and above the 200-day MA of 2.74, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 68.61 is Neutral, neither overbought nor oversold. The STOCH value of 88.90 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
MAP	71 Outperform	€10.54B	10.96		4.70%	―	―
Sector *	57 Neutral	$5.79B	25.71	-31.22%	5.61%	10.88%	-29.73%
0NRN		€5.81B	9.13	11.73%	4.82%	―	―

Mapfre, SA Corporate Events

MAPFRE Reports Strong Solvency Ratio for Q1 2025

MAPFRE, S.A. reported a solvency ratio of 205.6% at the end of the first quarter of 2025, indicating robust financial health. The company’s eligible own funds reached 10,051 million euros, with 84% being high-quality funds. This strong solvency position is within the target range set by the Board of Directors and reflects MAPFRE’s commitment to financial stability and risk management, which is crucial for stakeholders and the company’s market positioning.

The most recent analyst rating on (ES:MAP) stock is a Hold with a EUR3.05 price target. To see the full list of analyst forecasts on Mapfre, SA stock, see the ES:MAP Stock Forecast page.

Mapfre Announces 2024 Fiscal Year Dividend Details

Mapfre, S.A. has announced a complementary dividend of 0.0952 euros gross per share for the fiscal year 2024, with key dates for trading and payment set in late May 2025. This decision reflects Mapfre’s commitment to returning value to its shareholders and may enhance its attractiveness in the financial markets.

The most recent analyst rating on (ES:MAP) stock is a Hold with a EUR3.05 price target. To see the full list of analyst forecasts on Mapfre, SA stock, see the ES:MAP Stock Forecast page.

MAPFRE to Distribute Complementary Dividend for 2024 Fiscal Year

MAPFRE, S.A. has announced that it will distribute a complementary dividend of 0.095 euros gross per share on May 29, 2025, based on the 2024 fiscal year results. This decision, approved by the Board of Directors, reflects the company’s commitment to returning value to its shareholders and is set to be executed through BANCO SANTANDER, S.A. as the paying agent. The announcement outlines important dates for shareholders, including the last trading date with dividend rights on May 26, 2025, and the ex-dividend date on May 27, 2025.

MAPFRE Reports Strong Q1 2025 Results with 27.6% Profit Increase

MAPFRE has reported a significant increase in profits for the first quarter of 2025, achieving a profit of 276 million euros, which is a 27.6% increase from the previous year. This growth is attributed to the successful implementation of its Strategic Plan, with premiums growing by 5.4% and improvements in the Non-Life and Automobile business lines. The company’s performance across different regions, including IBERIA, NORTH AMERICA, and LATAM, has been strong, contributing to a robust financial outlook for 2025. The company plans to pay a complementary dividend for the 2024 fiscal year, reflecting its confidence in future growth.

MAPFRE Announces Investor Teleconference for Q1 2025 Review

MAPFRE, S.A. has announced a teleconference scheduled for April 25, 2025, aimed at investors and analysts to discuss the company’s first-quarter activities. This event, accessible via streaming on their corporate website, signifies MAPFRE’s commitment to transparency and engagement with stakeholders, potentially impacting investor relations and market perception.