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Mapfre
Mapfre (MAP) investor relations material
Mapfre Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved record net attributable profit of €1.08 billion, up 19.6% year-over-year, with gross profit exceeding €2.4 billion and premiums at an all-time high above €29 billion, both up 20%.
All regions contributed positively to results, with substantial improvement in profitability and technical management.
Paid the largest dividend in company history, with a final dividend of €0.11 per share and total dividend for 2025 at €0.18, up 12.5%, and a payout ratio of 51.4%.
Outperformed IBEX 35 and Euro Stoxx Insurance indices, with share price up 75% in 2025.
Financial highlights
Total income surpassed €34.5 billion for the first time, with premiums up 3.6% to €29.1 billion and net result before taxes and minorities exceeding €2.4 billion.
Solvency II ratio stood at 210.4% as of September 2025; shareholders' equity rose over 5% to €8.96 billion.
IFRS net result was €1,133 million, €54 million higher than local GAAP, with positive impacts from IFRS 17 and IFRS 9.
Assets under management increased 9% to €64.7 billion; investment portfolio grew 5.8% to €48.4 billion, with 82.6% in fixed income.
Outlook and guidance
Strategic plan targets over 6% growth in written premiums (excluding life savings) and ROE of 11-12% for 2025-2026.
Combined ratio guidance set at 94-95%, with a solvency ratio target of 200% +/- 25 p.p.; dividend payout ratio expected to remain above 50%.
Optimism for 2026, with continued value creation expected due to business diversification, new brand identity, and digital initiatives.
Guidance to be updated at the 2026 AGM, with a new strategic plan starting in 2027.
Drivers of Motor combined ratio improvement
Are 2025 ROE and combined ratio above targets?
North America earnings growth vs premium decline
M&A ambition given strong capital position
AI's impact on insurance distribution strategy
Brazil profitability with anticipated rate falls
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Next Mapfre earnings date
Q1 202629 Apr, 2026
Mapfre
Next Mapfre earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Mapfre S.A. is a global insurance and reinsurance company offering services across property, casualty, life, health, and automobile segments. It operates through subsidiaries and partnerships in Europe, Latin America, and other international markets. The company is headquartered in Madrid, Spain, and its shares are listed on the BME.
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