MAPFRE SA (1MAP.MI) Fundamental Analysis & Valuation

BIT:1MAP • ES0124244E34

Current stock price

4.282 EUR
+1.07 (+33.48%)
Last:

This 1MAP.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1MAP.MI Profitability Analysis

1.1 Basic Checks

  • 1MAP had positive earnings in the past year.
  • In the past year 1MAP had a positive cash flow from operations.
  • 1MAP had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1MAP reported negative operating cash flow in multiple years.
1MAP.MI Yearly Net Income VS EBIT VS OCF VS FCF1MAP.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.73%, 1MAP is in the better half of the industry, outperforming 65.31% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 10.77%, 1MAP is doing worse than 77.55% of the companies in the same industry.
  • 1MAP has a Return On Invested Capital of 0.34%. This is in the lower half of the industry: 1MAP underperforms 65.31% of its industry peers.
Industry RankSector Rank
ROA 1.73%
ROE 10.77%
ROIC 0.34%
ROA(3y)1.34%
ROA(5y)1.2%
ROE(3y)8.7%
ROE(5y)8.26%
ROIC(3y)N/A
ROIC(5y)N/A
1MAP.MI Yearly ROA, ROE, ROIC1MAP.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

1.3 Margins

  • The Profit Margin of 1MAP (4.32%) is worse than 81.63% of its industry peers.
  • In the last couple of years the Profit Margin of 1MAP has grown nicely.
  • With a Operating Margin value of 1.11%, 1MAP is not doing good in the industry: 81.63% of the companies in the same industry are doing better.
  • 1MAP's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 1.11%
PM (TTM) 4.32%
GM N/A
OM growth 3Y-45.4%
OM growth 5Y-29.67%
PM growth 3Y5.2%
PM growth 5Y9.53%
GM growth 3YN/A
GM growth 5YN/A
1MAP.MI Yearly Profit, Operating, Gross Margins1MAP.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8

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3

2. 1MAP.MI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1MAP is destroying value.
  • 1MAP has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for 1MAP has been increased compared to 5 years ago.
  • 1MAP has a better debt/assets ratio than last year.
1MAP.MI Yearly Shares Outstanding1MAP.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
1MAP.MI Yearly Total Debt VS Total Assets1MAP.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

  • 1MAP has a debt to FCF ratio of 1.67. This is a very positive value and a sign of high solvency as it would only need 1.67 years to pay back of all of its debts.
  • 1MAP has a Debt to FCF ratio of 1.67. This is in the better half of the industry: 1MAP outperforms 61.22% of its industry peers.
  • 1MAP has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
  • 1MAP's Debt to Equity ratio of 0.31 is fine compared to the rest of the industry. 1MAP outperforms 75.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 1.67
Altman-Z N/A
ROIC/WACC0.05
WACC7.21%
1MAP.MI Yearly LT Debt VS Equity VS FCF1MAP.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1MAP.MI Yearly Current Assets VS Current Liabilites1MAP.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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4

3. 1MAP.MI Growth Analysis

3.1 Past

  • 1MAP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.24%, which is quite good.
  • Measured over the past years, 1MAP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.58% on average per year.
  • 1MAP shows a small growth in Revenue. In the last year, the Revenue has grown by 1.80%.
  • Measured over the past years, 1MAP shows a small growth in Revenue. The Revenue has been growing by 0.15% on average per year.
EPS 1Y (TTM)17.24%
EPS 3Y6.27%
EPS 5Y9.58%
EPS Q2Q%33.33%
Revenue 1Y (TTM)1.8%
Revenue growth 3Y2.79%
Revenue growth 5Y0.15%
Sales Q2Q%N/A

3.2 Future

  • 1MAP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.53% yearly.
  • 1MAP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.71% yearly.
EPS Next Y29.09%
EPS Next 2Y16.11%
EPS Next 3Y11.3%
EPS Next 5Y1.53%
Revenue Next Year3.55%
Revenue Next 2Y3.32%
Revenue Next 3Y3.51%
Revenue Next 5Y2.71%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1MAP.MI Yearly Revenue VS Estimates1MAP.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
1MAP.MI Yearly EPS VS Estimates1MAP.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.1 0.2 0.3 0.4

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5

4. 1MAP.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.59, 1MAP is valued correctly.
  • 69.39% of the companies in the same industry are more expensive than 1MAP, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.34. 1MAP is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 10.59, which indicates a very decent valuation of 1MAP.
  • 1MAP's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.18, 1MAP is valued rather cheaply.
Industry RankSector Rank
PE 12.59
Fwd PE 10.59
1MAP.MI Price Earnings VS Forward Price Earnings1MAP.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, 1MAP is valued a bit cheaper than the industry average as 65.31% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.89
EV/EBITDA N/A
1MAP.MI Per share data1MAP.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.43
PEG (5Y)1.31
EPS Next 2Y16.11%
EPS Next 3Y11.3%

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3

5. 1MAP.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.13%, 1MAP has a reasonable but not impressive dividend return.
  • 1MAP's Dividend Yield is slightly below the industry average, which is at 4.28.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1MAP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.13%

5.2 History

  • The dividend of 1MAP has a limited annual growth rate of 5.32%.
Dividend Growth(5Y)5.32%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 1MAP pays out 120.37% of its income as dividend. This is not a sustainable payout ratio.
  • 1MAP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP120.37%
EPS Next 2Y16.11%
EPS Next 3Y11.3%
1MAP.MI Yearly Income VS Free CF VS Dividend1MAP.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
1MAP.MI Dividend Payout.1MAP.MI Dividend Payout, showing the Payout Ratio.1MAP.MI Dividend Payout.PayoutRetained Earnings

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1MAP.MI Fundamentals: All Metrics, Ratios and Statistics

MAPFRE SA

BIT:1MAP (12/29/2025, 7:00:00 PM)

4.282

+1.07 (+33.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-31
Earnings (Next)02-10
Inst Owners8.16%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap13.19B
Revenue(TTM)22.38B
Net Income(TTM)967.50M
Analysts53.33
Price Target3.69 (-13.83%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.13%
Yearly Dividend0.36
Dividend Growth(5Y)5.32%
DP120.37%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.91%
Min EPS beat(2)-0.99%
Max EPS beat(2)18.81%
EPS beat(4)2
Avg EPS beat(4)2.07%
Min EPS beat(4)-15.13%
Max EPS beat(4)18.81%
EPS beat(8)5
Avg EPS beat(8)8.62%
EPS beat(12)8
Avg EPS beat(12)1.78%
EPS beat(16)11
Avg EPS beat(16)5.02%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)27.79%
PT rev (3m)27.79%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)18.03%
EPS NY rev (3m)18.03%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 12.59
Fwd PE 10.59
P/S 0.59
P/FCF 7.89
P/OCF 6.7
P/B 1.47
P/tB 2
EV/EBITDA N/A
EPS(TTM)0.34
EY7.94%
EPS(NY)0.4
Fwd EY9.45%
FCF(TTM)0.54
FCFY12.67%
OCF(TTM)0.64
OCFY14.94%
SpS7.27
BVpS2.92
TBVpS2.14
PEG (NY)0.43
PEG (5Y)1.31
Graham Number4.73
Profitability
Industry RankSector Rank
ROA 1.73%
ROE 10.77%
ROCE 0.45%
ROIC 0.34%
ROICexc 0.36%
ROICexgc 0.42%
OM 1.11%
PM (TTM) 4.32%
GM N/A
FCFM 7.47%
ROA(3y)1.34%
ROA(5y)1.2%
ROE(3y)8.7%
ROE(5y)8.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-43.92%
ROICexgc growth 5Y-27.05%
ROICexc growth 3Y-41.92%
ROICexc growth 5Y-26.09%
OM growth 3Y-45.4%
OM growth 5Y-29.67%
PM growth 3Y5.2%
PM growth 5Y9.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.4
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 1.67
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.33%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 172.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.21%
ROIC/WACC0.05
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.12%
Cap/Sales(5y)1.09%
Profit Quality(3y)131.14%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.24%
EPS 3Y6.27%
EPS 5Y9.58%
EPS Q2Q%33.33%
EPS Next Y29.09%
EPS Next 2Y16.11%
EPS Next 3Y11.3%
EPS Next 5Y1.53%
Revenue 1Y (TTM)1.8%
Revenue growth 3Y2.79%
Revenue growth 5Y0.15%
Sales Q2Q%N/A
Revenue Next Year3.55%
Revenue Next 2Y3.32%
Revenue Next 3Y3.51%
Revenue Next 5Y2.71%
EBIT growth 1Y152.89%
EBIT growth 3Y-43.88%
EBIT growth 5Y-29.57%
EBIT Next Year-66.7%
EBIT Next 3Y-27.9%
EBIT Next 5YN/A
FCF growth 1Y45.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y45.19%
OCF growth 3YN/A
OCF growth 5YN/A

MAPFRE SA / 1MAP.MI Fundamental Analysis FAQ

What is the fundamental rating for 1MAP stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1MAP.MI.


Can you provide the valuation status for MAPFRE SA?

ChartMill assigns a valuation rating of 3 / 10 to MAPFRE SA (1MAP.MI). This can be considered as Overvalued.


How profitable is MAPFRE SA (1MAP.MI) stock?

MAPFRE SA (1MAP.MI) has a profitability rating of 3 / 10.


What is the earnings growth outlook for MAPFRE SA?

The Earnings per Share (EPS) of MAPFRE SA (1MAP.MI) is expected to grow by 29.09% in the next year.


How sustainable is the dividend of MAPFRE SA (1MAP.MI) stock?

The dividend rating of MAPFRE SA (1MAP.MI) is 3 / 10 and the dividend payout ratio is 120.37%.