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Market Price

5.50 

0.00 0.0%

as of Aug 16 '19

52 Week Range:

5.21 6.41


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Mapfre, S.A., engages in the insurance and reinsurance activities worldwide. It offers life, health, accidents, savings and investment, retirement, burial, travel and lifestyle insurance; and homeowners, automobile, third-party liability, family, and other insurance. The company also provides vehicles, third-party liability and assets, agriculture and livestock, commercial establishments, and other insurance products. In addition, it offers insurance products for engineering and construction, hulls and aviation, transportation of goods, surety and credit, and other insurances, as well as other non-life and reinsurance products. The company offers its services to professionals, entrepreneurs, self-employed people and small companies, and various corporations, as well as individuals. It distributes its products through a network of 5,373 direct and delegate offices; and 7,487 branches of banking institutions and other sales points, as well as through 84,000 delegates, agents, and brokers. 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. is a subsidiary of Cartera Mapfre, S.L.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 7.08
6.12
6.87
6.19
growth rate -13.6% 6.0% -9.9%
Earnings BIT 1,991.37
2,002.71
1,573.29
1,830.25
1,692.97
1,570.15
growth rate 0.6% -21.4% 16.3% -7.5% -7.3%
Avg.PE 55.56
10.00
12.72
11.66
8.97
growth rate -82.0% 27.2% -8.3% -23.1%
ROA 2.27
2.19
2.03
1.86
1.19
1.39
1.36
1.08
1.18
1.03
0.78
growth rate -3.5% -7.3% -8.4% -36.0% 16.8% -2.2% -20.6% 9.3% -12.7% -24.3%
ROE 22.66
16.75
14.69
14.18
8.96
10.11
9.95
8.00
8.76
7.90
6.37
growth rate -26.1% -12.3% -3.5% -36.8% 12.8% -1.6% -19.6% 9.5% -9.8% -19.4%
Leverage 8.50
6.99
7.44
7.79
7.30
7.25
7.35
7.41
7.44
7.85
8.42
growth rate -17.8% 6.4% 4.7% -6.3% -0.7% 1.4% 0.8% 0.4% 5.5% 7.3%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 5,032.00
4,939.84
5,651.24
5,286.88
5,249.39
4,871.44
4,502.24
growth rate -1.8% 14.4% -6.5% -0.7% -7.2% -7.6%
Acct.Payable 9,043.00
83.93
7,184.38
11,571.20
12,352.19
13,585.12
14,845.04
growth rate -99.1% 8,460.0% 61.1% 6.8% 10.0% 9.3%
Cur.Assets 16,010.00
15,036.64
17,166.24
17,769.21
20,867.21
21,793.46
22,763.26
growth rate -6.1% 14.2% 3.5% 17.4% 4.4% 4.5%
Total Assets 56,983.00
56,825.75
65,415.27
63,489.27
67,881.76
67,569.48
67,290.82
growth rate -0.3% 15.1% -2.9% 6.9% -0.5% -0.4%
Cash 1,018.00
1,162.78
1,188.60
989.09
1,451.13
1,864.01
2,201.41
growth rate 14.2% 2.2% -16.8% 46.7% 28.5% 18.1%
Inventory 81.00
77.59
77.45
75.83
75.04
67.08
60.87
growth rate -4.2% -0.2% -2.1% -1.0% -10.6% -9.3%
Cur.Liabilities 17,457.00
8,926.16
17,656.51
23,311.38
25,267.42
25,247.55
26,225.33
growth rate -48.9% 97.8% 32.0% 8.4% -0.1% 3.9%
Liabilities 46,847.00
46,932.08
53,945.85
53,080.98
56,438.28
57,056.82
58,093.24
growth rate 0.2% 14.9% -1.6% 6.3% 1.1% 1.8%
LT Debt 1,964.00
1,790.29
1,788.47
1,910.78
2,201.70
2,326.73
2,669.88
growth rate -8.8% -0.1% 6.8% 15.2% 5.7% 14.8%
Equity 7,833.51
9,152.69
8,573.74
9,126.50
8,611.28
7,993.81
growth rate 16.8% -6.3% 6.5% -5.7% -7.2%
Common Shares 1,349.00
1,424.00
1,488.00
1,524.00
1,540.00
1,540.00
1,540.00
1,540.00
1,540.00
1,540.00
1,540.00
growth rate 5.6% 4.5% 2.4% 1.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 79.00
97.41
49.04
58.31
161.59
121.19
65.69
growth rate 23.3% -49.7% 18.9% 177.1% -25.0% -45.8%
Cash Dividends 911.82
776.60
784.80
786.67
446.56
446.66
growth rate -14.8% 1.1% 0.2% -43.2% 0.0%
Cash From OA 1,286.00
413.00
312.40
-212.51
158.63
454.09
431.58
growth rate -67.9% -24.4% -100.0% 100.0% 186.3% -5.0%
FCF per Share 0.20
-0.49
-0.32
0.09
growth rate -100.0% 0.0% 100.0%
Sale Purchase of Stock 5.64
12.50
12.50
12.50
12.50
growth rate 121.6% 0.0% 0.0% 0.0%
FCF -353.00
-657.00
416.00
433.00
1,071.00
184.00
95.00
-472.00
-151.00
235.00
283.00
growth rate 0.0% 100.0% 4.1% 147.3% -82.8% -48.4% -100.0% 0.0% 100.0% 20.4%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 20,938.00
20,764.94
20,679.95
20,640.59
21,820.63
21,984.14
21,259.34
growth rate -0.8% -0.4% -0.2% 5.7% 0.8% -3.3%
Op.Income 976.00
1,991.37
2,002.71
1,573.29
1,830.25
1,692.97
1,570.15
growth rate 104.0% 0.6% -21.4% 16.3% -7.5% -7.3%
IBT 1,563.91
1,745.48
1,476.03
1,805.10
1,508.71
1,330.46
growth rate 11.6% -15.4% 22.3% -16.4% -11.8%
Net Income 976.00
790.47
845.13
708.77
775.45
700.51
528.86
growth rate -19.0% 6.9% -16.1% 9.4% -9.7% -24.5%
EPS 0.68
0.66
0.62
0.64
0.44
0.52
0.54
0.46
0.50
0.46
0.34
growth rate -2.9% -6.1% 3.2% -31.3% 18.2% 3.9% -14.8% 8.7% -8.0% -26.1%
Gross Profit 3,251.00
3,364.83
3,059.80
2,725.77
2,829.38
2,629.64
2,438.51
growth rate 3.5% -9.1% -10.9% 3.8% -7.1% -7.3%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 461.08
378.02
340.85
397.80
373.62
growth rate -18.0% -9.8% 16.7% -6.1%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 6,108.36
5,221.70
4,502.24
5,901.30
6,484.15
growth rate -14.5% -13.8% 31.1% 9.9%
Acct.Payable 12,625.61
12,842.90
14,845.04
13,926.60
14,335.67
growth rate 1.7% 15.6% -6.2% 2.9%
Cur.Assets 22,944.54
23,184.40
22,763.26
25,193.50
25,516.51
growth rate 1.1% -1.8% 10.7% 1.3%
Total Assets 68,202.73
67,888.00
67,290.82
71,258.80
73,570.94
growth rate -0.5% -0.9% 5.9% 3.2%
Cash 2,185.00
2,604.50
2,201.41
2,950.60
2,449.00
growth rate 19.2% -15.5% 34.0% -17.0%
Inventory 67.05
67.10
60.87
60.50
60.24
growth rate 0.1% -9.3% -0.6% -0.4%
Cur.Liabilities 22,450.28
22,157.70
26,225.33
23,497.80
24,285.48
growth rate -1.3% 18.4% -10.4% 3.4%
Liabilities 58,096.09
58,090.40
58,093.24
61,716.20
63,437.08
growth rate 0.0% 0.0% 6.2% 2.8%
LT Debt 2,452.70
2,527.00
2,669.88
3,044.30
3,094.77
growth rate 3.0% 5.7% 14.0% 1.7%
Equity 8,456.96
8,267.10
7,993.81
8,272.80
8,839.98
growth rate -2.3% -3.3% 3.5% 6.9%
Common Shares 307.95
308.00
307.95
308.00
307.95
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 5,472.91
5,290.89
5,435.84
5,366.80
5,492.20
growth rate -3.3% 2.7% -1.3% 2.3%
Op.Income 461.08
378.02
340.85
397.80
373.62
growth rate -18.0% -9.8% 16.7% -6.1%
IBT 445.67
334.53
180.16
377.00
372.24
growth rate -24.9% -46.2% 109.3% -1.3%
Net Income 198.69
143.11
0.06
188.10
186.41
growth rate -28.0% -100.0% 313,400.0% -0.9%
Gross Profit 670.37
558.53
585.91
570.30
621.22
growth rate -16.7% 4.9% -2.7% 8.9%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

F (0.00)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.97 9.11 16.52
EPS / Growth -6.0% 0.60 3.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 9.16 9.16
Future EPS 0.67 0.67 0.67
Value Price
MOS %
0.33
-94.0%
1.51
-72.5%
1.51
-72.5%
MOS Price 0.16 0.76 0.76
IRT 8.67 8.67 8.67

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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