MAPFRE SA (1MAP.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1MAP - ES0124244E34 - Common Stock
4.282 EUR
+1.07 (+33.48%)
1MAP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 49 industry peers in the Insurance industry. 1MAP has a bad profitability rating. Also its financial health evaluation is rather negative. 1MAP is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
1MAP had positive earnings in the past year.
1MAP had a positive operating cash flow in the past year.
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.
1.2 Ratios
1MAP has a better Return On Assets (1.71%) than 65.31% of its industry peers.
1MAP has a worse Return On Equity (10.88%) than 77.55% of its industry peers.
1MAP has a worse Return On Invested Capital (0.34%) than 65.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.71% | ||
| ROE | 10.88% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 4.32%, 1MAP is doing worse than 81.63% of the companies in the same industry.
1MAP's Profit Margin has improved in the last couple of years.
The Operating Margin of 1MAP (1.11%) is worse than 81.63% of its industry peers.
In the last couple of years the Operating Margin of 1MAP has declined.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1MAP is destroying value.
Compared to 1 year ago, 1MAP has about the same amount of shares outstanding.
The number of shares outstanding for 1MAP has been increased compared to 5 years ago.
Compared to 1 year ago, 1MAP has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of 1MAP is 2.21, which is a good value as it means it would take 1MAP, 2.21 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.21, 1MAP is in line with its industry, outperforming 57.14% of the companies in the same industry.
A Debt/Equity ratio of 0.30 indicates that 1MAP is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.30, 1MAP is doing good in the industry, outperforming 75.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 2.21 | ||
| Altman-Z | N/A |
ROIC/WACC0.05
WACC7.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1MAP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.43%, which is quite impressive.
1MAP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.58% yearly.
Looking at the last year, 1MAP shows a small growth in Revenue. The Revenue has grown by 1.80% in the last year.
1MAP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.15% yearly.
EPS 1Y (TTM)30.43%
EPS 3Y6.27%
EPS 5Y9.58%
EPS Q2Q%14.29%
Revenue 1Y (TTM)1.8%
Revenue growth 3Y2.79%
Revenue growth 5Y0.15%
Sales Q2Q%-42.32%
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 Y9.38%
EPS Next 2Y6.54%
EPS Next 3Y4.76%
EPS Next 5Y1.53%
Revenue Next Year3.43%
Revenue Next 2Y3.34%
Revenue Next 3Y3.69%
Revenue Next 5Y2.71%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.27, the valuation of 1MAP can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of 1MAP is on the same level as its industry peers.
When comparing the Price/Earnings ratio of 1MAP to the average of the S&P500 Index (27.17), we can say 1MAP is valued slightly cheaper.
1MAP is valuated correctly with a Price/Forward Earnings ratio of 13.05.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1MAP indicates a slightly more expensive valuation: 1MAP is more expensive than 63.27% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.79. 1MAP is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.27 | ||
| Fwd PE | 13.05 |
4.2 Price Multiples
1MAP's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.52
PEG (5Y)1.49
EPS Next 2Y6.54%
EPS Next 3Y4.76%
5. Dividend
5.1 Amount
1MAP has a Yearly Dividend Yield of 3.74%. Purely for dividend investing, there may be better candidates out there.
1MAP's Dividend Yield is slightly below the industry average, which is at 4.08.
Compared to an average S&P500 Dividend Yield of 1.94, 1MAP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
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
113.58% of the earnings are spent on dividend by 1MAP. This is not a sustainable payout ratio.
The dividend of 1MAP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP113.58%
EPS Next 2Y6.54%
EPS Next 3Y4.76%
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)
Earnings (Next)
Inst Owners7.21%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap13.19B
Revenue(TTM)22.38B
Net Income(TTM)967.50M
Analysts67.14
Price Target2.89 (-32.51%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
Yearly Dividend0.36
Dividend Growth(5Y)5.32%
DP113.58%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.76%
Min EPS beat(2)-15.13%
Max EPS beat(2)5.61%
EPS beat(4)3
Avg EPS beat(4)8.32%
Min EPS beat(4)-15.13%
Max EPS beat(4)27.3%
EPS beat(8)5
Avg EPS beat(8)-1.51%
EPS beat(12)8
Avg EPS beat(12)2.13%
EPS beat(16)10
Avg EPS beat(16)3.78%
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)8.09%
PT rev (3m)8.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)6.02%
EPS NY rev (3m)6.02%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.7%
Revenue NY rev (3m)-0.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.27 | ||
| Fwd PE | 13.05 | ||
| P/S | 0.59 | ||
| P/FCF | 10.88 | ||
| P/OCF | 8.8 | ||
| P/B | 1.48 | ||
| P/tB | 2.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.3
EY7.01%
EPS(NY)0.33
Fwd EY7.66%
FCF(TTM)0.39
FCFY9.19%
OCF(TTM)0.49
OCFY11.37%
SpS7.27
BVpS2.89
TBVpS2.06
PEG (NY)1.52
PEG (5Y)1.49
Graham Number4.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.71% | ||
| ROE | 10.88% | ||
| ROCE | 0.44% | ||
| ROIC | 0.34% | ||
| ROICexc | 0.35% | ||
| ROICexgc | 0.42% | ||
| OM | 1.11% | ||
| PM (TTM) | 4.32% | ||
| GM | N/A | ||
| FCFM | 5.41% |
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-Score7
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 2.21 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.28% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 125.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
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)30.43%
EPS 3Y6.27%
EPS 5Y9.58%
EPS Q2Q%14.29%
EPS Next Y9.38%
EPS Next 2Y6.54%
EPS Next 3Y4.76%
EPS Next 5Y1.53%
Revenue 1Y (TTM)1.8%
Revenue growth 3Y2.79%
Revenue growth 5Y0.15%
Sales Q2Q%-42.32%
Revenue Next Year3.43%
Revenue Next 2Y3.34%
Revenue Next 3Y3.69%
Revenue Next 5Y2.71%
EBIT growth 1Y152.89%
EBIT growth 3Y-43.88%
EBIT growth 5Y-29.57%
EBIT Next Year-65.36%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-13.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.28%
OCF growth 3YN/A
OCF growth 5YN/A
MAPFRE SA / 1MAP.MI 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.
What is the profitability of 1MAP stock?
MAPFRE SA (1MAP.MI) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for 1MAP stock?
The Price/Earnings (PE) ratio for MAPFRE SA (1MAP.MI) is 14.27 and the Price/Book (PB) ratio is 1.48.
Can you provide the financial health for 1MAP stock?
The financial health rating of MAPFRE SA (1MAP.MI) is 3 / 10.