Mapfre, S.A. (MAP.MC) stock analysis

In our weekly check, Mapfre, S.A. is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 6.

About Mapfre, S.A.

Mapfre, S.A. is a Financial Services company (Insurance - Diversified) based in Spain, listed on BME as MAP.MC.

What our checks show for MAP.MC

Red flags

• Profits not backed by cash
• Analysts expect revenue to shrink about 1.7% a year.
• The net margin is only 3.8%: little room if costs rise.
• The stock has fallen as much as 69% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 4.9 years.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Free cash flow is only 0% of revenue.

Strengths

• The gross margin is 81.9% and has risen by 4.3 points: pricing power is holding.
• Earnings per share grew 28.8% a year over the last 3 years.
• Net profit grew 28% a year over the last 3 years.
• The price is 10.4 times earnings (P/E), reasonable for its growth.
• A large company: market value $13.65 billion.
• Beta 0.25: the stock usually moves less than the market.

Similar companies

AGN.AS · ASRNL.AS · AGS.BR · IAG.TO · AXS · NN.AS

Questions

What grade does Mapfre, S.A. (MAP.MC) have?

In our weekly check, Mapfre, S.A. is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of MAP.MC stock?

This week's biggest flags for Mapfre, S.A.: Profits not backed by cash, Weak revenue forecast, Thin margins. In total 7 of 23 checks show a warning or a red flag.

What does Mapfre, S.A. do?

Mapfre, S.A. is a Financial Services company (Insurance - Diversified) based in Spain, listed on BME as MAP.MC.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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