MAPFRE SA (1MAP.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:1MAP • ES0124244E34

4.282 EUR
+1.07 (+33.48%)
Last: Dec 29, 2025, 07:00 PM
Fundamental Rating

4

Taking everything into account, 1MAP scores 4 out of 10 in our fundamental rating. 1MAP was compared to 47 industry peers in the Insurance industry. Both the profitability and financial health of 1MAP have multiple concerns. 1MAP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year 1MAP was profitable.
  • 1MAP had a positive operating cash flow in the past year.
  • Each year in the past 5 years 1MAP has been profitable.
  • 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

  • The Return On Assets of 1MAP (1.73%) is better than 65.31% of its industry peers.
  • 1MAP has a Return On Equity of 10.77%. This is in the lower half of the industry: 1MAP underperforms 77.55% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.34%, 1MAP is doing worse than 65.31% of the companies in the same industry.
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

  • 1MAP has a worse Profit Margin (4.32%) than 81.63% of its industry peers.
  • 1MAP's Profit Margin has improved in the last couple of years.
  • 1MAP has a Operating Margin of 1.11%. This is amonst the worse of the industry: 1MAP underperforms 81.63% of its industry peers.
  • In the last couple of years the Operating Margin of 1MAP has declined.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • 1MAP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, 1MAP has about the same amount of shares outstanding.
  • Compared to 5 years ago, 1MAP has more shares outstanding
  • The debt/assets ratio for 1MAP has been reduced compared to a year ago.
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's Debt to FCF ratio of 1.67 is fine compared to the rest 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.
  • With a decent Debt to Equity ratio value of 0.31, 1MAP is doing good in the industry, outperforming 75.51% of the companies in the same industry.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.24% over the past year.
  • 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.
  • The Revenue has been growing slightly by 1.80% in the past 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)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

  • Based on estimates for the next years, 1MAP will show a small growth in Earnings Per Share. The EPS will grow by 1.53% on average per year.
  • Based on estimates for the next years, 1MAP will show a small growth in Revenue. The Revenue will grow by 2.71% on average per year.
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

  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.59, the valuation of 1MAP can be described as correct.
  • 1MAP's Price/Earnings ratio is a bit cheaper when compared to the industry. 1MAP is cheaper than 69.39% of the companies in the same industry.
  • 1MAP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
  • The Price/Forward Earnings ratio is 10.59, which indicates a very decent valuation of 1MAP.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1MAP is on the same level as its industry peers.
  • 1MAP is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.20, which is the current average of the S&P500 Index.
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 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, 1MAP is valued a bit cheaper than 65.31% of the companies in the same industry.
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

  • 1MAP's 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

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 4.09.
  • 1MAP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
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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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 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 12.59 and the Price/Book (PB) ratio is 1.47.


Can you provide the financial health for 1MAP stock?

The financial health rating of MAPFRE SA (1MAP.MI) is 3 / 10.