Mapfre, S.A. Logo

Mapfre, S.A.

MAP.MC

(2.5)
Stock Price

2,60 EUR

1.64% ROA

9.79% ROE

8.44x PER

Market Cap.

7.352.203.146,00 EUR

31.82% DER

9.32% Yield

3.13% NPM

Mapfre, S.A. Stock Analysis

Mapfre, S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Mapfre, S.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.76x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (41%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROE

ROE in an average range (10.79%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.64%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (44), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Mapfre, S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Mapfre, S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Mapfre, S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Mapfre, S.A. Revenue
Year Revenue Growth
2004 6.755.110.000
2005 7.657.530.000 11.78%
2006 7.944.380.000 3.61%
2007 12.625.150.000 37.07%
2008 15.236.010.000 17.14%
2009 16.896.860.000 9.83%
2010 18.264.450.000 7.49%
2011 20.905.820.000 12.63%
2012 21.230.230.000 1.53%
2013 21.166.900.000 -0.3%
2014 21.769.200.000 2.77%
2015 21.058.250.000 -3.38%
2016 22.472.330.000 6.29%
2017 22.585.230.000 0.5%
2018 21.826.190.000 -3.48%
2019 22.732.940.000 3.99%
2020 19.145.700.000 -18.74%
2021 20.581.600.000 6.98%
2022 21.557.200.000 4.53%
2023 23.736.800.000 9.18%
2023 27.125.300.000 12.49%
2024 37.854.800.000 28.34%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Mapfre, S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Mapfre, S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 542.690.000 100%
2008 646.230.000 16.02%
2009 0 0%
2010 0 0%
2011 761.290.000 100%
2012 871.440.000 12.64%
2013 1.020.940.000 14.64%
2014 784.880.000 -30.08%
2015 807.410.000 2.79%
2016 770.330.000 -4.81%
2017 760.010.000 -1.36%
2018 745.580.000 -1.94%
2019 723.890.000 -3%
2020 746.800.000 3.07%
2021 766.800.000 2.61%
2022 831.800.000 7.81%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Mapfre, S.A. EBITDA
Year EBITDA Growth
2004 479.530.000
2005 547.930.000 12.48%
2006 777.490.000 29.53%
2007 1.361.740.000 42.9%
2008 1.528.960.000 10.94%
2009 1.542.720.000 0.89%
2010 1.550.890.000 0.53%
2011 1.354.740.000 -14.48%
2012 1.062.350.000 -27.52%
2013 1.163.290.000 8.68%
2014 1.345.250.000 13.53%
2015 1.089.420.000 -23.48%
2016 1.309.570.000 16.81%
2017 1.111.840.000 -17.78%
2018 983.420.000 -13.06%
2019 354.010.000 -177.79%
2020 318.300.000 -11.22%
2021 295.100.000 -7.86%
2022 882.600.000 66.56%
2023 865.200.000 -2.01%
2023 -247.500.000 449.58%
2024 -6.454.400.000 96.17%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Mapfre, S.A. Gross Profit
Year Gross Profit Growth
2004 6.755.110.000
2005 7.657.530.000 11.78%
2006 7.944.380.000 3.61%
2007 12.625.150.000 37.07%
2008 15.236.010.000 17.14%
2009 16.896.860.000 9.83%
2010 18.264.450.000 7.49%
2011 20.905.820.000 12.63%
2012 21.230.230.000 1.53%
2013 21.166.900.000 -0.3%
2014 21.769.200.000 2.77%
2015 21.058.250.000 -3.38%
2016 22.472.330.000 6.29%
2017 22.585.230.000 0.5%
2018 21.826.190.000 -3.48%
2019 22.732.940.000 3.99%
2020 19.145.700.000 -18.74%
2021 20.581.600.000 6.98%
2022 21.557.200.000 4.53%
2023 23.736.800.000 9.18%
2023 27.125.300.000 12.49%
2024 37.854.800.000 28.34%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Mapfre, S.A. Net Profit
Year Net Profit Growth
2004 331.440.000
2005 393.810.000 15.84%
2006 515.880.000 23.66%
2007 972.130.000 46.93%
2008 995.920.000 2.39%
2009 1.036.070.000 3.88%
2010 1.063.660.000 2.59%
2011 962.960.000 -10.46%
2012 665.690.000 -44.66%
2013 790.470.000 15.79%
2014 845.130.000 6.47%
2015 708.770.000 -19.24%
2016 775.450.000 8.6%
2017 700.510.000 -10.7%
2018 528.860.000 -32.46%
2019 955.260.000 44.64%
2020 820.700.000 -16.4%
2021 1.035.600.000 20.75%
2022 1.083.800.000 4.45%
2023 1.038.000.000 -4.41%
2023 677.200.000 -53.28%
2024 1.110.800.000 39.03%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Mapfre, S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Mapfre, S.A. Free Cashflow
Year Free Cashflow Growth
2004 661.970.000
2005 533.440.000 -24.09%
2006 605.460.000 11.9%
2007 757.770.000 20.1%
2008 -352.790.000 314.79%
2009 -656.560.000 46.27%
2010 415.710.000 257.94%
2011 -230.030.000 280.72%
2012 -214.970.000 -7.01%
2013 183.620.000 217.07%
2014 95.460.000 -92.35%
2015 631.000.000 84.87%
2016 1.006.700.000 37.32%
2017 1.325.590.000 24.06%
2018 380.650.000 -248.24%
2019 -308.270.000 223.48%
2020 -884.500.000 65.15%
2021 -611.600.000 -44.62%
2022 854.300.000 171.59%
2023 2.128.000.000 59.85%
2023 0 0%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Mapfre, S.A. Operating Cashflow
Year Operating Cashflow Growth
2004 776.590.000
2005 603.860.000 -28.6%
2006 829.310.000 27.19%
2007 1.026.680.000 19.22%
2008 -10.300.000 10067.77%
2009 -491.220.000 97.9%
2010 705.880.000 169.59%
2011 0 0%
2012 0 0%
2013 413.000.000 100%
2014 312.400.000 -32.2%
2015 890.880.000 64.93%
2016 1.316.150.000 32.31%
2017 1.545.150.000 14.82%
2018 528.860.000 -192.17%
2019 -36.650.000 1543%
2020 -596.100.000 93.85%
2021 -485.900.000 -22.68%
2022 1.083.800.000 144.83%
2023 2.345.900.000 53.8%
2023 0 0%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Mapfre, S.A. Capital Expenditure
Year Capital Expenditure Growth
2004 114.620.000
2005 70.420.000 -62.77%
2006 223.850.000 68.54%
2007 268.910.000 16.76%
2008 342.490.000 21.48%
2009 165.340.000 -107.14%
2010 290.170.000 43.02%
2011 230.030.000 -26.14%
2012 214.970.000 -7.01%
2013 229.380.000 6.28%
2014 216.940.000 -5.73%
2015 259.880.000 16.52%
2016 309.450.000 16.02%
2017 219.560.000 -40.94%
2018 148.210.000 -48.14%
2019 271.620.000 45.43%
2020 288.400.000 5.82%
2021 125.700.000 -129.44%
2022 229.500.000 45.23%
2023 217.900.000 -5.32%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Mapfre, S.A. Equity
Year Equity Growth
2004 1.851.320.000
2005 2.183.600.000 15.22%
2006 3.411.660.000 36%
2007 4.331.410.000 21.23%
2008 5.716.370.000 24.23%
2009 7.093.750.000 19.42%
2010 7.795.810.000 9.01%
2011 9.726.620.000 19.85%
2012 10.136.310.000 4.04%
2013 9.893.670.000 -2.45%
2014 11.469.420.000 13.74%
2015 10.408.290.000 -10.2%
2016 11.443.480.000 9.05%
2017 10.512.660.000 -8.85%
2018 9.197.580.000 -14.3%
2019 10.106.020.000 8.99%
2020 9.837.800.000 -2.73%
2021 9.666.600.000 -1.77%
2022 8.360.200.000 -15.63%
2023 9.656.300.000 13.42%
2023 9.314.000.000 -3.68%
2024 9.679.700.000 3.78%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Mapfre, S.A. Assets
Year Assets Growth
2004 22.957.760.000
2005 26.443.300.000 13.18%
2006 28.347.810.000 6.72%
2007 36.343.920.000 22%
2008 40.875.180.000 11.09%
2009 43.105.850.000 5.17%
2010 48.672.310.000 11.44%
2011 54.855.650.000 11.27%
2012 56.983.180.000 3.73%
2013 56.825.750.000 -0.28%
2014 67.231.870.000 15.48%
2015 63.489.270.000 -5.89%
2016 67.881.760.000 6.47%
2017 67.569.480.000 -0.46%
2018 67.290.820.000 -0.41%
2019 72.509.920.000 7.2%
2020 69.152.600.000 -4.85%
2021 63.854.200.000 -8.3%
2022 59.625.800.000 -7.09%
2023 49.009.000.000 -21.66%
2023 53.366.400.000 8.17%
2024 54.618.500.000 2.29%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Mapfre, S.A. Liabilities
Year Liabilities Growth
2004 21.106.440.000
2005 24.259.700.000 13%
2006 24.936.150.000 2.71%
2007 32.012.510.000 22.1%
2008 35.158.810.000 8.95%
2009 36.012.100.000 2.37%
2010 40.876.500.000 11.9%
2011 45.129.030.000 9.42%
2012 46.846.870.000 3.67%
2013 46.932.080.000 0.18%
2014 55.762.450.000 15.84%
2015 53.080.980.000 -5.05%
2016 56.438.280.000 5.95%
2017 57.056.820.000 1.08%
2018 58.093.240.000 1.78%
2019 62.403.900.000 6.91%
2020 59.314.800.000 -5.21%
2021 54.187.600.000 -9.46%
2022 51.265.600.000 -5.7%
2023 39.352.700.000 -30.27%
2023 3.651.600.000 -977.68%
2024 44.938.800.000 91.87%

Mapfre, S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.08
Net Income per Share
0.28
Price to Earning Ratio
8.44x
Price To Sales Ratio
0.26x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.86
EV to Sales
0.3
EV Over EBITDA
15.61
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.12
FreeCashFlow Yield
0
Market Cap
7,35 Bil.
Enterprise Value
8,42 Bil.
Graham Number
4.22
Graham NetNet
-14.12

Income Statement Metrics

Net Income per Share
0.28
Income Quality
0
ROE
0.1
Return On Assets
0.02
Return On Capital Employed
0.01
Net Income per EBT
0.45
EBT Per Ebit
2.53
Ebit per Revenue
0.03
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.11
Operating Profit Margin
0.03
Pretax Profit Margin
0.07
Net Profit Margin
0.03

Dividends

Dividend Yield
0.09
Dividend Yield %
9.32
Payout Ratio
0
Dividend Per Share
0.22

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.05
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,54
Book Value per Share
3,16
Tangible Book Value per Share
2.71
Shareholders Equity per Share
2.79
Interest Debt per Share
0.89
Debt to Equity
0.32
Debt to Assets
0.05
Net Debt to EBITDA
1.98
Current Ratio
4.95
Tangible Asset Value
8,31 Bil.
Net Current Asset Value
-43,29 Bil.
Invested Capital
3874100000
Working Capital
1,31 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.37

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Mapfre, S.A. Dividends
Year Dividends Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Mapfre, S.A. Profile

About Mapfre, S.A.

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.

CEO
Mr. Antonio Huertas Mejias
Employee
30.699
Address
Carretera de Pozuelo
Majadahonda, 28222

Mapfre, S.A. Executives & BODs

Mapfre, S.A. Executives & BODs
# Name Age
1 Mr. José Manuel Inchausti Perez
First Vice Chairman & Chief Executive Officer of Iberia Regional Area
70
2 Leandra Elizabeth Clark
Head of Investor Relations
70
3 Mr. Fernando Mata Verdejo
Third Vice Chairman & Group Chief Financial Officer
70
4 Ms. Vanessa Escriva Garcia
Corporate Dir. of Tech. and Group Chief Information Officer of Corporate Technology & Processes Area
70
5 Mr. Carlos Nagore Archilla
Corporate Director of Compliance
70
6 Mr. Angel Luis Davila Bermejo
General Counsel
70
7 Mr. José Luís Jiménez Guajardo-Fajardo
Group Chief Investment Officer
70
8 Mr. Francisco Jose Marco Orenes
Group Chief Business Support Officer & Director
70
9 Mr. Antonio Huertas Mejias
Chairman & Chief Executive Officer
70
10 Carla Taboada Diez
Chief Operating Officer
70

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