Mapfre, S.A. MAP.MC
Financial Services · Insurance - Diversified · Spain · IBEX 35
Based on the available data, Mapfre, S.A. gets an algorithmic score of 66/100. It trades at 4.27 €, with a bullish technical trend (RSI 38.1) and 21.5% annual volatility.
Updated: 2026-09-30
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Strengths
- Attractive free-cash-flow yield (10.9%).
- Low valuation (P/E 10.1).
- Meaningful dividend (4.19%).
Weaknesses
- —
Fundamentals
| P/E | 10.95 |
| Forward P/E | 10.14 |
| PEG | 2.59 |
| P/B | 1.31 |
| EV/EBITDA | -0.75 |
| P/S | 0.42 |
| ROE % | 17.41 |
| ROA % | 3.67 |
| Gross margin % | 24.95 |
| Operating margin % | 12.11 |
| Net margin % | 3.80 |
| Revenue growth % (y/y) | 15.10 |
| Earnings growth % (y/y) | 4.90 |
| Revenue CAGR % | 6.74 |
| Earnings CAGR % | 26.19 |
| Debt/Equity % | 29.16 |
| Current ratio | 35.97 |
| FCF yield % | 10.86 |
| Dividend yield % | 4.19 |
| Payout % | 46.38 |
Returns
| 1 month | -4.2 % |
| 3 months | -3.4 % |
| 6 months | +12.1 % |
| YTD | +3.1 % |
| 1 year | +10.4 % |
| 3 years | +156.0 % |
| 5 years | +225.9 % |
| 10 years | +189.7 % |
Risk
| 1-year volatility | 21.5 % |
| Beta | 0.82 |
| 5-year max drawdown | -20.0 % |
| Sharpe 1A | 0.38 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a Spanish company, it depends on ECB policy, the Spanish risk premium, the eurozone cycle and, if it operates in Latin America, on emerging-market currencies (BRL, MXN).
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.