Mapfre Balance Sheet Health
Financial Health criteria checks 5/6
Mapfre has a total shareholder equity of €10.5B and total debt of €2.6B, which brings its debt-to-equity ratio to 24.9%. Its total assets and total liabilities are €58.5B and €48.0B respectively. Mapfre's EBIT is €3.5B making its interest coverage ratio 14.7. It has cash and short-term investments of €19.4B.
Key information
24.94%
Debt to equity ratio
€2.62b
Debt
| Interest coverage ratio | 14.7x |
| Cash | €19.43b |
| Equity | €10.51b |
| Total liabilities | €48.00b |
| Total assets | €58.51b |
Recent financial health updates
Recent updates
MAP: Future P/E Reset And €4.30 Reference Will Guide Neutral Stance
Analysts have revised their price target on Mapfre to €4.30, in line with the prior €4.30 fair value estimate, citing updated assumptions for revenue growth, slightly higher profit margins and a lower future P/E multiple. Recent UBS coverage with a bearish stance adds a more cautious tone to the outlook.MAP: Neutral Stance Will Depend On €4.15 Reference And P/E Assumptions
Narrative Update on Mapfre Analysts now see more limited upside for Mapfre, with the latest Street research pointing to a revised price target of €4.15. This reflects a more cautious stance despite only marginal adjustments to revenue growth, profit margin assumptions and the forward P/E of 12.86x.Insufficient Growth At Mapfre, S.A. (BME:MAP) Hampers Share Price
Jan 12
MAP: Neutral Outlook Will Rely On Margins And P/E Assumptions
Analysts have nudged their fair value estimate for Mapfre to €4.30 from €4.00, aligning their updated price target with a more cautious Neutral stance and modest tweaks to the discount rate, revenue growth, margin, and future P/E assumptions. Analyst Commentary Recent research points to a more balanced stance on Mapfre, with the fair value estimate raised to €4.30 while the rating shifts to Neutral.
MAP: Margin Resilience And Slower Growth Expectations Will Shape Future Performance
Analysts have reduced their price target on Mapfre from EUR 4.15 to EUR 3.92. This reflects expectations for slower top line growth, partially offset by a modest improvement in profitability and a slightly lower future earnings multiple.MAP: Margin Improvement And Sector Downgrade Will Shape Near-Term Outlook
Analysts have raised their price target for Mapfre slightly, from €3.89 to €3.92. This reflects a modest improvement in projected profit margins, despite subdued revenue growth expectations and a recent sector downgrade.Mapfre (BME:MAP) Is Due To Pay A Dividend Of €0.057
Nov 25MAP: Cost Focus And Digital Shifts Will Shape Near-Term Performance
Narrative Update on Mapfre: Revised Analyst Price Target Analysts have lowered their fair value estimate for Mapfre from €3.42 to €3.89, citing a more cautious outlook based on moderating revenue growth and updated research sentiment. Analyst Commentary Bullish Takeaways Bullish analysts note that Mapfre's established market presence and diversified portfolio support stable earnings, which can underpin the current valuation levels.With EPS Growth And More, Mapfre (BME:MAP) Makes An Interesting Case
Oct 12There's No Escaping Mapfre, S.A.'s (BME:MAP) Muted Earnings
Aug 27Mapfre, S.A. (BME:MAP) Just Released Its Half-Yearly Earnings: Here's What Analysts Think
Jul 27Investors Still Aren't Entirely Convinced By Mapfre, S.A.'s (BME:MAP) Earnings Despite 28% Price Jump
May 08
Strong Capital Base And Diversification Will Support Future Success In Insurance Sector
Strategic focus on profitable growth and diversification could positively influence future earnings and earnings stability.Financial Position Analysis
Short Term Liabilities: MAP's short term assets (€26.7B) exceed its short term liabilities (€20.7B).
Long Term Liabilities: MAP's short term assets (€26.7B) do not cover its long term liabilities (€27.3B).
Debt to Equity History and Analysis
Debt Level: MAP has more cash than its total debt.
Reducing Debt: MAP's debt to equity ratio has reduced from 30.4% to 24.9% over the past 5 years.
Debt Coverage: MAP's debt is well covered by operating cash flow (62.6%).
Interest Coverage: MAP's interest payments on its debt are well covered by EBIT (14.7x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/30 08:17 |
| End of Day Share Price | 2026/04/30 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Mapfre, S.A. is covered by 22 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Maria del Paz Ojeda Fernandez | Banco de Sabadell. S.A. |
| null null | Banco de Sabadell. S.A. |
| Juan Lopez Cobo | Banco Santander |