Mapfre, S.A. (MPFRY)
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. (MPFRY) trades at $10.00. Mapfre, S. A. is a global insurance and reinsurance company based in Spain. Market cap: $7.68B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for MPFRY: MPFRY 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 MPFRY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
MPFRY: 1/1 perspectives are bearish.
How is this calculated? →Mapfre, S.A. (MPFRY) Financial Services Profile
Mapfre, S.A., a Spanish multinational insurer, provides diverse insurance and reinsurance products globally, catering to individuals, SMEs, and large corporations. With a strong distribution network and a history dating back to 1933, Mapfre operates in a competitive insurance landscape, balancing profitability with risk management and regulatory compliance.
What Is the Investment Thesis for MPFRY?
Mapfre, S.A. presents a mixed investment case. The company's diversified insurance offerings and global presence provide stability, evidenced by its low beta of 0.22. The dividend yield of 4.12% is attractive in a low-interest-rate environment. However, the company's profit margin of 3.5% is relatively low compared to peers, suggesting potential inefficiencies or pricing pressures. Growth catalysts include expansion in emerging markets and increased adoption of digital insurance solutions. Potential risks include regulatory changes, fluctuating interest rates impacting investment income, and increased competition from fintech companies. Investors should closely monitor Mapfre's ability to improve profitability and navigate the evolving insurance landscape.
Based on FMP financials and quantitative analysis
MPFRY Key Highlights
- Market capitalization of $7.68B indicates a significant, established player in the insurance market.
- P/E ratio of 13.5 suggests the company may be undervalued compared to its earnings.
- Gross margin of 100.0% indicates efficient cost management in its insurance operations.
- Dividend yield of 4.12% provides an attractive income stream for investors.
- Beta of 0.22 suggests lower volatility compared to the overall market, indicating a relatively stable investment.
Who Are MPFRY's Competitors?
MPFRY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AGESF ageas SA/NV | $75.19 | +0.00% | $15.47B | 47 |
| BZLYF Beazley plc | $17.30 | +0.00% | $10.23B | 70 |
| DLICY Dai-ichi Life Holdings, Inc. | $23.24 | +2.01% | $42.67B | 47 |
| EDNMF Edenred S.A. | $25.20 | +0.00% | $5.84B | 49 |
| EDNMY Edenred S.A. | $13.35 | +2.69% | $6.29B | — |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MPFRY's Key Strengths?
- Strong brand recognition and reputation.
- Extensive global presence and diversified operations.
- Wide range of insurance products and services.
- Solid financial performance and capital position.
What Are MPFRY's Weaknesses?
- Relatively low profit margin compared to peers.
- Exposure to regulatory risks and compliance costs.
- Dependence on investment income, which can be volatile.
- Potential for adverse claims experience.
What Could Drive MPFRY Stock Higher?
- Expansion into new geographic markets, particularly in emerging economies, driving premium growth.
- Digital transformation initiatives improving operational efficiency and customer experience.
- Launch of new insurance products tailored to specific customer segments, increasing market share.
- Strategic partnerships with technology companies and financial institutions, expanding distribution channels.
What Are the Key Risks for MPFRY?
- Financial-distress signal — its Altman Z-Score of 0.34 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Regulatory changes in key markets, increasing compliance costs and limiting business activities.
- Fluctuations in interest rates and investment market conditions, impacting investment income.
- Intense competition from established players and fintech companies, eroding market share.
- Natural disasters and other catastrophic events, leading to significant claims payouts.
- Currency exchange rate fluctuations affecting the value of international operations.
What Are the Growth Opportunities for MPFRY?
- Expansion in Emerging Markets: Mapfre has the opportunity to expand its presence in emerging markets, where insurance penetration rates are lower and economic growth is higher. By tailoring its products and distribution channels to local needs, Mapfre can tap into a large and growing customer base. The emerging markets insurance market is projected to reach $1.5 trillion by 2028, offering significant growth potential for Mapfre. Timeline: Ongoing.
- Digital Transformation: Investing in digital technologies can improve efficiency, reduce costs, and enhance customer experience. Mapfre can leverage data analytics, artificial intelligence, and mobile platforms to personalize its offerings, streamline its operations, and reach new customers. The global digital insurance market is expected to reach $400 billion by 2027, presenting a substantial opportunity for Mapfre. Timeline: Ongoing.
- Product Innovation: Developing new and innovative insurance products can attract new customers and differentiate Mapfre from its competitors. This includes cyber insurance, parametric insurance, and usage-based insurance. The market for innovative insurance products is growing rapidly, driven by changing customer needs and emerging risks. Timeline: Ongoing.
- Strategic Partnerships: Forming strategic partnerships with other companies can expand Mapfre's reach and capabilities. This includes partnerships with technology companies, retailers, and financial institutions. Strategic partnerships can provide access to new markets, technologies, and distribution channels. Timeline: Ongoing.
- Reinsurance Growth: Mapfre can further expand its reinsurance business by offering specialized and customized solutions to other insurance companies. The global reinsurance market is expected to grow, driven by increasing demand for risk transfer and capital management solutions. Timeline: Ongoing.
What Opportunities Does MPFRY Have?
- Expansion in emerging markets with high growth potential.
- Increased adoption of digital insurance solutions.
- Development of new and innovative insurance products.
- Strategic partnerships to expand reach and capabilities.
What Threats Does MPFRY Face?
- Intense competition from established players and fintech companies.
- Fluctuations in interest rates and investment market conditions.
- Changes in regulatory requirements and accounting standards.
- Natural disasters and other catastrophic events.
What Are MPFRY's Competitive Advantages?
- Brand recognition: Mapfre is a well-established and recognized brand in the insurance industry.
- Extensive distribution network: Mapfre has a large network of agents, brokers, and bancassurance partners.
- Diversified product portfolio: Mapfre offers a wide range of insurance products and services.
- Global presence: Mapfre operates in multiple countries, reducing its reliance on any single market.
What Does MPFRY 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 adopted its current name in December 2006. Mapfre offers a comprehensive suite of insurance products, including life, health, accident, savings and investment, retirement, burial, and travel and leisure insurance. Additionally, it provides homeowner's, automobile, third-party liability, and family insurance. The company also caters to businesses with vehicle, third-party liability and asset, agriculture and livestock, and commercial establishment insurance. Its reinsurance products cover engineering and building, hull and aviation, transportation of goods, surety and credit, and life and retirement risks. Mapfre distributes its products through a vast network of 4,942 direct and delegates, 10,412 bancassurance offices, and 77,754 delegates, agents, and brokers, serving individuals, professionals, entrepreneurs, SMEs, and large corporations across the globe. Mapfre, S.A. operates as a subsidiary of Cartera Mapfre, S.L.
What Products and Services Does MPFRY Offer?
- Provides life insurance products including term life, whole life, and universal life.
- Offers health insurance plans covering medical expenses, hospitalization, and preventative care.
- Provides property and casualty insurance, including homeowner's and auto insurance.
- Offers commercial insurance products for businesses, including liability, property, and workers' compensation.
- Provides reinsurance services to other insurance companies, helping them manage their risk.
- Offers savings and investment products, including annuities and mutual funds.
- Provides retirement planning services, including 401(k) plans and IRAs.
How Does MPFRY Make Money?
- Generates revenue through premiums collected from insurance policies.
- Invests premiums in a diversified portfolio of assets to generate investment income.
- Pays out claims to policyholders who experience covered losses.
- Manages risk through underwriting and reinsurance.
What Industry Does MPFRY Operate In?
Mapfre operates in the global insurance industry, which is characterized by increasing regulatory scrutiny, technological disruption, and evolving customer expectations. The industry is highly competitive, with established players like Allianz and AXA, as well as emerging fintech companies. Market trends include the growing demand for digital insurance solutions, the increasing importance of data analytics for risk management and pricing, and the rising prevalence of cyber insurance. Mapfre's diversified product portfolio and global presence position it to capitalize on these trends, but it must also adapt to the changing competitive landscape and regulatory environment.
Who Are MPFRY's Key Customers?
- Individuals seeking life, health, and property insurance.
- Small and medium-sized businesses needing commercial insurance.
- Large corporations requiring comprehensive insurance coverage.
- Other insurance companies seeking reinsurance solutions.
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. MPFRY has traded publicly since 2012.
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. MPFRY trades at a trailing price-to-earnings ratio of 13.45, 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.
MPFRY Valuation & Market Position
With a $7.68B market cap, Mapfre, S.A. sits in the mid-cap segment of the market.
Quarterly Financial Performance: Mapfre, S.A.
Revenue for Mapfre, S.A. came in at $8.14B during Q2 2025, a 26.4% improvement versus the preceding quarter. The company recorded net income of $320.0M, with diluted EPS of $0.21. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, MPFRY averaged $0.18 in diluted EPS.
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 0.34 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 $26.31B for fiscal 2026, with EPS near $0.00.
MPFRY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Mapfre's recent insider buying suggests confidence from those who know the company best, potentially signaling undervaluation or upcoming positive catalysts.
- The community sentiment has been leaning bullish lately, with many highlighting Mapfre's stability in a volatile market.
- Mapfre's strong presence in key insurance markets is seen as a buffer against economic downturns, attracting investors seeking safety.
- Positive developments in the regulatory landscape for insurance companies could benefit Mapfre's operations and profitability.
Bear Case
- Some community members are concerned about Mapfre's exposure to regions with increasing climate-related risks, potentially leading to higher claims.
- Recent market perception suggests that Mapfre might be lagging behind competitors in adopting new technologies, impacting long-term growth.
- There are worries regarding the impact of rising inflation on Mapfre's claims costs and overall profitability, squeezing margins.
- Insider selling activity, though less frequent, raises questions about potential headwinds or profit-taking among key executives.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2025 | $8.14B | $320M | $0.21 |
| Q1 2025 | $6.44B | $276M | $0.18 |
| Q4 2024 | $11.27B | $314M | $0.20 |
| Q3 2024 | $5.77B | $192M | $0.13 |
Based on FMP financials and quantitative analysis
MPFRY Latest News
No recent news available for MPFRY.
MPFRY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for MPFRY.
Price Targets
Wall Street price target analysis for MPFRY.
MPFRY MoonshotScore
What does this score mean?
The MoonshotScore rates MPFRY'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 been 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 Chief Operating Officer and General Manager. He has a degree in Law from the University of Salamanca and a Master's degree in Insurance from the Pontifical University of Salamanca. Huertas has extensive experience in the insurance industry and a deep understanding of Mapfre's operations.
Track Record: Under Antonio Huertas' leadership, Mapfre has expanded its global presence, strengthened its financial performance, and invested in digital transformation. He has overseen the successful integration of several acquisitions and has implemented key strategic initiatives to improve efficiency and customer experience. Mapfre has maintained a strong capital position and has consistently delivered solid returns to shareholders during his tenure.
Mapfre, S.A. ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company trading on U.S. stock exchanges. MPFRY is a Level 1 ADR, meaning it trades over-the-counter (OTC) without needing to meet the stringent listing requirements of exchanges like the NYSE or NASDAQ. This allows U.S. investors to invest in Mapfre more easily.
- Home Market Ticker: Madrid Stock Exchange, Spain
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: MPFR
MPFRY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Mapfre, S.A. may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors, and trading activity may be sporadic. Investing in OTC Other stocks carries higher risks compared to stocks listed on major exchanges due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited information availability due to lower disclosure requirements.
- Potential for price manipulation and fraud.
- Higher bid-ask spreads and lower trading volumes.
- Increased risk of delisting or going dark.
- Lack of regulatory oversight and investor protection.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive position.
- Evaluate the management team and their track record.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any regulatory actions or legal proceedings against the company.
- Established operating history as Mapfre, S.A.
- Global presence and diversified operations.
- Listing on the Madrid Stock Exchange.
- Availability of company information on its website.
- Presence of a recognized CEO and management team.
MPFRY Financial Services Stock FAQ
What does Mapfre, S.A. do?
Mapfre, S.A. is a global insurance company offering a wide array of products, including life, health, property, and casualty insurance, as well as reinsurance services. It operates through a network of agents, brokers, and bancassurance partners, serving individuals, small businesses, and large corporations across multiple countries. The company generates revenue primarily through insurance premiums and investment income, managing risk through underwriting and reinsurance strategies.
What do analysts say about MPFRY stock?
Analyst coverage of MPFRY is limited due to its OTC listing. Available research suggests a neutral outlook, citing the company's diversified business model and global presence as strengths. Key valuation metrics, such as the P/E ratio of 13.5, indicate potential undervaluation. Growth considerations include expansion in emerging markets and digital transformation initiatives. However, analysts also note risks related to regulatory changes, competition, and investment market volatility. There is no consensus recommendation to buy or sell.
What are the main risks for MPFRY?
Mapfre, S.A. faces several key risks, including regulatory changes in the insurance industry, which could increase compliance costs and limit business activities. Fluctuations in interest rates and investment market conditions can impact the company's investment income. Intense competition from established players and fintech companies may erode market share. Natural disasters and other catastrophic events could lead to significant claims payouts. Currency exchange rate fluctuations can affect the value of international operations.
What are the key factors to evaluate for MPFRY?
Evaluate MPFRY on fundamentals, analyst consensus, and risk factors. P/E: 13.5x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does MPFRY data refresh on this page?
MPFRY 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 MPFRY's recent stock price performance?
Mapfre, S.A. (MPFRY) 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 MPFRY overvalued or undervalued right now?
Mapfre, S.A. (MPFRY) trades at 13.5x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying MPFRY?
Before investing in Mapfre, S.A. (MPFRY), 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).
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.
- Financial data and market information are based on available sources and may be subject to change.
- The analysis is based on publicly available information and does not constitute investment advice.
- OTC market data may be less reliable than data from major exchanges.