Mapfre, S.A (MPFRF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Mapfre, S.A $4.53, price $5.40, upside -16.1%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Mapfre, S.A
MPFRF · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range $0.6101 – $5.40 · fair‑value band $3.40 – $5.66 · the $5.40 price screens above the $4.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
Company profile
Mapfre, S.A., together with its subsidiaries, engages in insurance, reinsurance, and financial activities in Spain.
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Mapfre, S.A., together with its subsidiaries, engages in insurance, reinsurance, and financial activities in Spain. The company offers life; health; accident; property and casualty protection that include automobile insurance, homeowner and commercial risk, and family third-party liability insurance; savings and investment; retirement; burial; travel and leisure insurance; and agriculture and livestock insurance products. It also provides investment and pension funds; reinsurance services; insurance for businesses; and business multirisk insurance. The company serves its products to companies, small, medium, and large corporations, as well as to professionals, entrepreneurs, the self-employed, and small businesses. The company was formerly known as Corporacion Mapfre and changed its name to Mapfre, S.A. in December 2006. Mapfre, S.A. was founded in 1933 and is based in Majadahonda, Spain. Mapfre, S.A. operates as a subsidiary of Cartera Mapfre, S.L.
Stock analysis
Mapfre, S.A (MPFRF) currently trades at $5.40, while our model-based Fair Value estimate is $4.53, 16.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $5.83 per share, and 3 of the 6 models we run sit above the $5.40 price.
Bear case: the Asset-Based group reads lowest at $2.32, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $3.40 (bear) to $5.66 (bull), the price of $5.40 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Mapfre, S.A reported revenue of €26.4B in FY2025 versus €20.6B in FY2021, a compound +6.4%/yr. Reported net income was €1.1B in FY2025, compounding +2.3%/yr from FY2021.
Key figures
Market cap $16.5B · P/E ratio 12.6 · P/S ratio 0.54 · EPS (TTM) $0.4300 · Dividend yield 7.9% · Net margin 4.3% · Return on equity 18.3% · Return on assets (EBIT) 2.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 31% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −16%, MPFRF screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 80
Revenue & earnings trend
Growth Forecast
MPFRF screens overvalued: fair value 16% below the price. Compare with Allianz SE →
Earlier news
- Mapfre SA (MPFRF) Q2 2026 Earnings Call Highlights: Strong Profitability and Strategic ...
- Safety Insurance Group, Inc. Enters Into Merger Agreement With Mapfre for $1.54 Billion
- Mapfre SA (MPFRY) Q4 2025 Earnings Call Highlights: Record Profits and Strategic Growth Amid ...
Compare Mapfre, S.A with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 82 stocks
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Allianz SE ALV | €412.00 | €229.84 | −44% |
| Zurich Insurance Group ZURN | CHF 563.60 | CHF 328.80 | −42% |
| AXA SA CS | €41.90 | €36.28 | −13% |
| Assicurazioni Generali S.p.A G | €42.75 | €10.92 | −74% |
| Sun Life Financial Inc SLF | $79.48 | $41.03 | −48% |
| American International Group AIG | $74.17 | $71.58 | −3% |
| Talanx AG TLX | €117.40 | €91.88 | −22% |
| The Hartford Insurance Group HIG | $126.04 | $115.03 | −9% |
| Arch Capital Group ACGL | $94.26 | $127.51 | +35% |
| Swiss Life Holding SLHN | CHF 891.00 | CHF 413.93 | −54% |
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Frequently asked questions
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Key figures of Mapfre, S.A
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