Mapfre stock: fundamental analysis
Stocks · MAP · Financial Services
Mapfre, S.A., together with its subsidiaries, engages in insurance, reinsurance, and financial activities in Spain. Below are its fundamentals, explained in the order worth reading them: business quality, debt, growth and, last, whether the price is reasonable.
- Price: 4.40 EUR
- Market cap: 13.5B EUR
Data as of September 18, 2026 · Yahoo Finance
Quick read
Business quality
ROE of 17.4%: it earns a high return on shareholders' money. Out of every 100 in sales, 3.8 end up as profit.
Financial health
It holds more cash than debt (net debt/EBITDA of -4.7x): a very comfortable position.
Growth
Revenue is growing 15.1% year on year: a solid pace. Earnings are up 4.9%.
Valuation
It trades at a P/E of 11.3, below the 14.4 median of the financial services companies we track. A low P/E is not automatically a bargain: it can reflect risks or slower growth.
Dividend
Dividend yield of 4.0% (0.18 EUR per share per year) with a payout ratio of 46.4%.
Tools
All metrics
| Mapfre | Sector median | |
|---|---|---|
| Business quality | ||
| ROE | 17.4% | 17.4% |
| ROA | 3.7% | 1.4% |
| Gross margin | 25.0% | 64.0% |
| Operating margin | 12.1% | 57.4% |
| Net margin | 3.8% | 34.9% |
| Financial health | ||
| Net debt/EBITDA | -4.7x | — |
| Debt/equity | 0.3x | 0.5x |
| Current ratio | 36.0x | 2.0x |
| Growth | ||
| Revenue growth | 15.1% | 13.4% |
| Earnings growth | 4.9% | 12.8% |
| Valuation | ||
| P/E ratio | 11.3x | 14.4x |
| Forward P/E | 10.5x | 11.9x |
| EV/EBITDA | — | — |
| Price/book | 1.3x | 2.2x |
| FCF yield | -10.3% | 3.4% |
| Dividend | ||
| Dividend yield | 4.0% | 3.8% |
| Payout ratio | 46.4% | 47.5% |
| Beta (volatility) | 0.2x | 0.6x |
Frequently asked questions
What is Mapfre's P/E ratio?
Mapfre's P/E is 11.3 based on trailing 12-month earnings and 10.5 on expected earnings. The median for its sector among the companies we track is 14.4. Data as of September 18, 2026.
What dividend does Mapfre pay?
Dividend yield of 4.0% (0.18 EUR per share per year) with a payout ratio of 46.4%.
Is Mapfre stock expensive?
It trades at a P/E of 11.3, below the 14.4 median of the financial services companies we track. A low P/E is not automatically a bargain: it can reflect risks or slower growth. This is an educational reading based on ratios, not a buy or sell recommendation.
Does Mapfre have a lot of debt?
It holds more cash than debt (net debt/EBITDA of -4.7x): a very comfortable position.
What is Mapfre's market cap?
Mapfre has a market cap of 13.5B EUR and its shares trade at 4.40 EUR, with a 52-week range of 3.52 EUR to 4.62 EUR (data as of September 18, 2026).
Other companies in the sector
Trailing 12-month metrics. Educational content, not investment advice.