Mapfre, S.A. (MPFRF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Mapfre, S.A. (MPFRF) trades at $4.19 with AI Score 53/100 (Grade B). Mapfre, S. A. is a global insurance and reinsurance company based in Spain. Market cap: $12.84B, Sector: Financial services.
Price live · AI analysis from Mar 15, 2026Analyst Coverage for MPFRF: MPFRF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MPFRF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
MPFRF: 5/7 perspectives are bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Mapfre, S.A. (MPFRF) Financial Services Profile
Mapfre, S.A., a Spanish multinational, operates globally in the insurance and reinsurance sectors, providing diverse products from life and health to property and casualty coverage. With a strong distribution network and a history dating back to 1933, Mapfre caters to individuals, SMEs, and large corporations, maintaining a significant presence in Europe and Latin America.
What Is the Investment Thesis for MPFRF?
Mapfre, S.A. presents a compelling investment case based on its established global presence and diversified insurance offerings. With a market capitalization of $12.84B and a P/E ratio of 14.4, the company demonstrates financial stability. A dividend yield of 4.19% offers an attractive income stream for investors. Growth catalysts include expansion in emerging markets and increased adoption of digital insurance solutions. Potential risks include regulatory changes in the insurance sector and fluctuations in global interest rates. The company's low beta of 0.22 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
MPFRF Key Highlights
- Market capitalization of $12.84B indicates a substantial and stable company size.
- P/E ratio of 14.4 suggests the company may be undervalued compared to its earnings.
- Gross margin of 100.0% reflects efficient cost management in its insurance operations.
- Dividend yield of 4.19% provides an attractive income stream for investors.
- Low beta of 0.22 indicates lower volatility compared to the overall market, making it a potentially stable investment.
Who Are MPFRF's Competitors?
MPFRF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| GJNSY Gjensidige Forsikring ASA | $27.01 | -0.11% | $13.50B | — |
| HELNF Helvetia Holding AG | $253.55 | +0.00% | $13.41B | 59 |
| HLVTY Helvetia Holding AG | $6.52 | +0.00% | $13.79B | 59 |
| MURGY Münchener Rückversicherungs-Gesellschaft AG in München | $11.39 | -0.44% | $14.85B | 54 |
| NNGPF NN Group N.V. | $87.52 | +0.40% | $22.90B | 49 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MPFRF's Key Strengths?
- Strong brand recognition and reputation.
- Diversified product portfolio.
- Extensive global presence.
- Established distribution network.
What Are MPFRF's Weaknesses?
- Exposure to regulatory changes in various markets.
- Dependence on economic conditions in key regions.
- Potential for large claims impacting profitability.
- Competition from larger global insurers.
What Could Drive MPFRF Stock Higher?
- Expansion into new geographic markets, particularly in Asia and Latin America, driving revenue growth.
- Digital transformation initiatives enhancing customer experience and operational efficiency.
- Launch of new insurance products catering to emerging risks, such as cyber insurance.
- Strategic partnerships with banks and retailers expanding distribution network.
- Integration of ESG factors into business operations attracting socially responsible investors.
What Are the Key Risks for MPFRF?
- Financial-distress signal — its Altman Z-Score of 0.55 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturns impacting insurance demand and profitability.
- Regulatory changes in various markets increasing compliance costs.
- Natural disasters leading to significant claims and financial losses.
- Increased competition from fintech companies disrupting traditional insurance models.
- Fluctuations in interest rates affecting investment income and profitability.
What Are the Growth Opportunities for MPFRF?
- Expansion in Emerging Markets: Mapfre has the opportunity to expand its presence in emerging markets, particularly in Asia and Latin America, where insurance penetration rates are lower than in developed countries. This expansion can be achieved through strategic partnerships, acquisitions, and the introduction of tailored insurance products to meet the specific needs of these markets. The emerging markets insurance sector is projected to grow at a CAGR of 6-8% over the next five years.
- Digital Transformation: Investing in digital technologies to enhance customer experience, streamline operations, and improve underwriting accuracy represents a significant growth opportunity. This includes developing mobile apps, implementing AI-powered chatbots, and leveraging data analytics to personalize insurance offerings. The global digital insurance market is expected to reach $400 billion by 2028, growing at a CAGR of 15%.
- Product Innovation: Developing innovative insurance products that cater to evolving customer needs, such as cyber insurance, parametric insurance, and usage-based insurance, can drive growth. These products can address emerging risks and provide customers with more flexible and personalized coverage options. The market for cyber insurance, for example, is projected to reach $28 billion by 2026.
- Strategic Partnerships: Forming strategic partnerships with other companies, such as banks, retailers, and technology providers, can expand Mapfre's distribution network and reach new customer segments. These partnerships can also enable the company to offer bundled products and services that provide added value to customers. Strategic alliances in the insurance sector are increasingly common, driving market expansion and innovation.
- Focus on Sustainability: Integrating environmental, social, and governance (ESG) factors into its business operations and insurance offerings can attract socially responsible investors and customers. This includes offering green insurance products, investing in renewable energy projects, and promoting sustainable business practices. Sustainable investing is gaining momentum, with ESG assets under management projected to reach $50 trillion by 2025.
What Opportunities Does MPFRF Have?
- Expansion in emerging markets.
- Development of innovative insurance products.
- Strategic partnerships with other companies.
- Increased adoption of digital insurance solutions.
What Threats Does MPFRF Face?
- Economic downturns impacting insurance demand.
- Increased competition from fintech companies.
- Natural disasters leading to significant claims.
- Changes in interest rates affecting investment income.
What Are MPFRF's Competitive Advantages?
- Brand Reputation: Mapfre has a well-established brand reputation and a long history of providing reliable insurance services.
- Extensive Distribution Network: The company has a vast distribution network of agents, brokers, and bancassurance partners, providing broad market access.
- Diversified Product Portfolio: Mapfre offers a wide range of insurance products, catering to diverse customer needs and reducing reliance on any single product line.
- Global Presence: The company operates in multiple countries, providing geographic diversification and reducing exposure to regional economic downturns.
What Does MPFRF Do?
Mapfre, S.A., founded in 1933 and headquartered in Majadahonda, Spain, is a global insurance and reinsurance company. Originally known as Corporacion Mapfre, the company changed its name in 2006. Mapfre offers a comprehensive suite of insurance products, including life, health, accident, savings and investment, retirement, burial, and travel insurance. It also provides homeowner's, automobile, third-party liability, family, vehicle, agriculture, commercial establishment, engineering, hull and aviation, transportation of goods, surety and credit, and other specialized insurance and reinsurance products. Mapfre serves a diverse clientele, ranging from individuals and professionals to small and medium-sized enterprises (SMEs) and large corporations. The company distributes its products through an extensive network comprising 4,942 direct and delegates, 10,412 bancassurance offices, and 77,754 delegates, agents, and brokers. Mapfre operates as a subsidiary of Cartera Mapfre, S.L., further solidifying its financial stability and strategic direction. The company's global presence and diversified product portfolio position it as a key player in the insurance industry.
What Products and Services Does MPFRF Offer?
- Offers life insurance products, including term life, whole life, and universal life.
- Provides health insurance coverage, including medical, dental, and vision plans.
- Offers property and casualty insurance, including homeowner's, auto, and commercial insurance.
- Provides reinsurance services to other insurance companies.
- Offers savings and investment products, including annuities and mutual funds.
- Provides retirement planning services and products.
- Offers specialized insurance products such as travel and leisure insurance, and agriculture and livestock insurance.
How Does MPFRF Make Money?
- Generates revenue through premiums collected from insurance policies.
- Earns investment income from managing its investment portfolio.
- Provides reinsurance services to other insurance companies, earning premiums and commissions.
- Distributes insurance products through a network of agents, brokers, and bancassurance partners.
What Industry Does MPFRF Operate In?
Mapfre operates within the global insurance industry, which is characterized by increasing regulatory scrutiny, technological disruption, and evolving consumer preferences. The industry is experiencing growth in emerging markets and a shift towards digital insurance solutions. Mapfre competes with other major players such as GJNSY (Generali), HELNF (Sampo Oyj), HLVTY (Hannover Rueck SE), MURGY (Münchener Rück AG), and NNGPF (NN Group N.V.). Mapfre's diversified product portfolio and extensive distribution network provide a competitive advantage in this dynamic landscape.
Who Are MPFRF's Key Customers?
- Individuals seeking life, health, and property insurance.
- Small and medium-sized enterprises (SMEs) requiring commercial insurance.
- Large corporations needing comprehensive insurance coverage and risk management solutions.
- Other insurance companies seeking reinsurance services.
ROE 13%Key Financial Metrics
Return on equity for Mapfre, S.A. stands at 13.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.7%, showing how much profit it generates from its asset base. MPFRF trades at a trailing price-to-earnings ratio of 14.43, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.1%, the inverse of the P/E and a quick read on earnings relative to price.
Mapfre, S.A. (MPFRF) Valuation Context
Valued at $12.84B, MPFRF is classified as a large-cap stock. Relative to its peer group, MPFRF's quantitative score of 53/100 is roughly in line with the peer average of 55/100.
Company Profile
Mapfre, S.A. operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Majadahonda, ES. The company is led by CEO Antonio Huertas Mejias. MPFRF has traded publicly since 2009.
F-Score 3/9Financial Health
Mapfre, S.A.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.55 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Mapfre, S.A. revenue of about $29.26B for fiscal 2026, with EPS near $0.40.
MPFRF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating insiders believe the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting Mapfre's strong market position in insurance and reinsurance sectors.
- Analysts are noting the company's resilience in navigating economic uncertainties, which strengthens the bullish case.
- Recent partnerships and expansions into emerging markets have generated optimism about future growth opportunities.
Bear Case
- Concerns over rising interest rates may impact Mapfre's profitability, as insurance companies often face challenges in such environments.
- Community sentiment has also shown some skepticism regarding the company's ability to adapt to digital transformation in the insurance industry.
- Recent regulatory changes in key markets could pose risks to Mapfre's operational efficiency and profitability.
- Some investors are wary of potential competition from fintech companies that are disrupting traditional insurance models.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
MPFRF Latest News
No recent news available for MPFRF.
MPFRF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for MPFRF.
Price Targets
Wall Street price target analysis for MPFRF.
MPFRF MoonshotScore
What does this score mean?
The MoonshotScore rates MPFRF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Antonio Huertas Mejias
Chairman & Chief Executive Officer
Antonio Huertas Mejias has served as the Chairman and CEO of Mapfre, S.A. since 2012. He joined Mapfre in 1988 and has held various leadership positions within the company, including General Manager of Mapfre Vida and CEO of Mapfre Familiar. He has extensive experience in the insurance industry and a deep understanding of Mapfre's operations and strategy. He is responsible for overseeing the company's global operations and driving its strategic growth initiatives.
Track Record: Under Antonio Huertas Mejias' leadership, Mapfre has expanded its global presence and strengthened its position as a leading insurance company. He has overseen the company's digital transformation efforts and has focused on driving innovation and improving customer experience. He has also led the company through various economic challenges and has maintained its financial stability and profitability.
MPFRF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Mapfre, S.A. (MPFRF) may have limited regulatory oversight and disclosure requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies on this tier may not meet the minimum financial standards or reporting requirements of higher tiers, potentially increasing investment risk. Investors should be aware that information availability and transparency may be significantly lower for OTC Other companies.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight and disclosure requirements.
- Lower liquidity and higher price volatility.
- Potential for inaccurate or incomplete information.
- Increased risk of fraud or manipulation.
- Difficulty in obtaining reliable financial data.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Research the background and experience of the company's management team.
- Evaluate the company's risk factors and potential liabilities.
- Monitor trading volume and price activity.
- Consult with a qualified financial advisor.
- Established operating history as Mapfre, S.A. since 1933.
- Global presence and diversified insurance offerings.
- Subsidiary of Cartera Mapfre, S.L.
- Publicly available information, although potentially limited.
- Management team with experience in the insurance industry.
What Investors Ask About Mapfre, S.A. (MPFRF) — Financial Services
What does Mapfre, S.A. do?
Mapfre, S.A. is a global insurance and reinsurance company offering a wide range of products and services to individuals, SMEs, and large corporations. Its offerings include life, health, property, and casualty insurance, as well as reinsurance services. The company operates through an extensive network of agents, brokers, and bancassurance partners, providing broad market access and catering to diverse customer needs. Mapfre's diversified product portfolio and global presence position it as a key player in the insurance industry.
What are the main risks for MPFRF?
The main risks for Mapfre, S.A. include economic downturns impacting insurance demand, regulatory changes in various markets increasing compliance costs, natural disasters leading to significant claims, increased competition from fintech companies disrupting traditional insurance models, and fluctuations in interest rates affecting investment income. Investors should carefully consider these risks and their potential impact on the company's financial performance and stock price.
What are the key factors to evaluate for MPFRF?
Mapfre, S.A. (MPFRF) holds an AI score of 53/100 (moderate). P/E: 14.4x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does MPFRF data refresh on this page?
MPFRF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven MPFRF's recent stock price performance?
Mapfre, S.A. (MPFRF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand recognition and reputation. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MPFRF overvalued or undervalued right now?
Mapfre, S.A. (MPFRF) trades at 14.4x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying MPFRF?
Before investing in Mapfre, S.A. (MPFRF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding MPFRF to a portfolio?
Key strength of Mapfre, S.A. (MPFRF): Strong brand recognition and reputation. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.
- AI analysis is pending and may provide further insights.