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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
Improving ProfitabilityMAPFRE's operating margin rising to ~9.6% (2025) and net income near €1.13B signal sustained improvements in underwriting discipline and cost control. Stronger core profitability increases retained earnings, supports capital buffers and dividends, and reduces dependence on volatile investment results over the medium term.
Stronger Leverage ProfileThe decline in debt-to-equity from ~0.60 to ~0.35 reflects a materially stronger leverage position and rising equity. Improved leverage enhances regulatory solvency headroom, lowers refinancing and interest-rate sensitivity, and gives the firm more capacity to absorb large-loss events or pursue strategic investments without materially increasing financial risk.
Positive Free Cash FlowRecent free cash flow near €1.4B indicates the group can convert earnings into distributable cash. Sustained FCF supports dividends, reinvestment, reserve strengthening or selective buybacks, providing durable financial flexibility and a buffer against underwriting cycles when cash is needed for claims or capital requirements.
Bears Say
Revenue VolatilityA sharp top-line decline of -16.6% in 2025 highlights meaningful volatility in premium volume or business mix. Persistent revenue swings weaken scale economics, complicate pricing and expense leverage, and make multi‑period forecasting and reserve planning more uncertain, increasing execution risk across underwriting cycles.
Inconsistent Cash ConversionOperating cash flow was negative in 2020–2021 and 2025 shows unusually low OCF coverage, indicating inconsistent cash conversion versus reported earnings. This cyclicality between accounting profits and cash inflows raises funding and capital-allocation risk, and could force asset sales or external financing under stress despite recent positive FCF.
Limited Visibility On Capital EfficiencyThe balance-sheet note that 2025 ROE is absent and the insurer's very large asset base limits visibility into risk-adjusted returns. Without updated ROE and clearer capital-efficiency metrics it's harder to assess reserve adequacy, pricing effectiveness and long-term shareholder return prospects across insurance cycles.

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 €4.44 in the past 12 months.
    What is Mapfre, SA’s market cap?
    Mapfre, SA’s market cap is €13.48B.
      When is Mapfre, SA’s upcoming earnings report date?
      Mapfre, SA’s upcoming earnings report date is Jul 24, 2026 which is in 18 days.
        How were Mapfre, SA’s earnings last quarter?
        Mapfre, SA released its earnings results on Apr 29, 2026. The company reported €0.116 earnings per share for the quarter, beating 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 €0.089 which represents an annual dividend yield of 3.56%. See more information on Mapfre, SA dividends here
              What is Mapfre, SA’s EPS estimate?
              Mapfre, SA’s EPS estimate is 0.12.
                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 €0.116 in its last earnings report, beating 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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