Mapfre (MAP) Fair Value & Analysis
Financial Services · ES · Market cap €13.6B · ISIN ES0124244E34
What is Mapfre really worth?
A solid business, but trading 12% above our fair value of €4.03.
Strengths
Risks
Fair value as of: Sep 1, 2026
From 6 valuation models · updated 4 days ago
Share price +1.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- The price sits in the upper half of our model range, so the margin of safety is thin.
- The data supports the verdict: every model runs on fully documented inputs.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 1, 2026.
How to read this chart
60‑month range €1.25 – €4.57 · fair‑value band €3.02 – €5.03 · the €4.51 price screens above the €4.03 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 1, 2026.
Analysis
Mapfre (MAP) currently trades at €4.51, while our model-based Fair Value estimate is €4.03, implying the stock looks roughly 11.9% overvalued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. Bull case: the Dividend Discount group reads highest at a median of €5.17 per share, and 3 of the 6 models we run sit above the €4.51 price. Bear case: the Asset-Based group reads lowest at €2.06, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Mapfre generated revenue of €29.9B at a net margin of 3.9%. Revenue declined 1.5% year over year. It earns a return on equity of 18.3%. Net debt stands at €1.4B. Fundamentals as of Sep 1, 2026
Our scenario range runs from €3.02 (bear case) to €5.03 (bull case); at €4.51, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 44% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −11% fair-value upside, at −11%, MAP screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly €0.2504 per share, which is 6.2 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Dividend Discount (€5.17) versus Asset-Based (€2.06). Highest evidence: Residual Income (75).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 1, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 77
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Mapfre, S.A., together with its subsidiaries, engages in insurance, reinsurance, and financial activities in Spain. The company offers life; health; accident; property and casualty protection that include automobile insurance, homeowner and commercial risk, and family third-party liability insurance; savings and investment; retirement; burial; travel and …
Full company description
Mapfre, S.A., together with its subsidiaries, engages in insurance, reinsurance, and financial activities in Spain. The company offers life; health; accident; property and casualty protection that include automobile insurance, homeowner and commercial risk, and family third-party liability insurance; savings and investment; retirement; burial; travel and leisure insurance; and agriculture and livestock insurance products. It also provides investment and pension funds; reinsurance services; insurance for businesses; and business multirisk insurance. The company serves its products to companies, small, medium, and large corporations, as well as to professionals, entrepreneurs, the self-employed, and small businesses. 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 based in Majadahonda, Spain. Mapfre, S.A. operates as a subsidiary of Cartera Mapfre, S.L.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Mapfre reported revenue of €26.4B in FY2025 versus €20.6B in FY2021, a compound +6.4%/yr. Reported net income was €1.1B in FY2025, compounding +2.3%/yr from FY2021.
of which total revenue +2.0 % · buybacks/dilution +0.0 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
MAP screens 12% overvalued. Compare with Berkshire Hathaway Inc →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Mapfre SA (MPFRF) Q2 2026 Earnings Call Highlights: Strong Profitability and Strategic ...
- Safety Insurance Group, Inc. Enters Into Merger Agreement With Mapfre for $1.54 Billion
- Mapfre targets ROE above 13% by 2026
- Mapfre SA (MPFRY) Q4 2025 Earnings Call Highlights: Record Profits and Strategic Growth Amid ...
Peer Group
Insurance - Diversified · 83 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Diversified median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Sep 1, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB80 | 1.67 THB | 1.48 THB | −11% |
| Allianz SE ALV | €453.00 | €266.04 | −41% |
| Zurich Insurance Group ZURN | CHF 596.00 | CHF 335.07 | −44% |
| AXA SA CS | €43.61 | €39.90 | −9% |
| Assicurazioni Generali S.p.A G | €44.11 | €10.92 | −75% |
| Sun Life Financial Inc SLF | C$108.85 | C$57.05 | −48% |
| American International Group AIG | $76.14 | $80.91 | +6% |
| The Hartford Insurance Group HIG | $137.38 | $133.10 | −3% |
| Arch Capital Group ACGL | $98.76 | $124.45 | +26% |
| Swiss Life Holding SLHN | CHF 919.00 | CHF 425.23 | −54% |
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