MPFRY (Mapfre SA) vs S&P 500 Comparison

MPFRY

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MPFRY

S&P 500

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MPFRY

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Mapfre SA
Glance View

Market Cap

13.2B USD

Industry

Insurance

Mapfre SA, a Spanish multinational insurance company, has woven its presence into the global tapestry of risk management and financial security since its inception in 1933. What began as a modest mutual insurance company in the agrarian lands of Spain has blossomed into a powerhouse, providing a wide array of insurance services across more than 100 countries. Headquartered in Majadahonda, Madrid, Mapfre's evolution has been driven by a combination of strategic acquisitions, international expansion, and a robust diversification strategy. This strategy encompasses general insurance, life insurance, reinsurance, and a suite of related services that make Mapfre not only a leader in the Iberian Peninsula but also a formidable player in Latin America and a notable presence in Europe and the United States. At its core, Mapfre thrives on its underwriting prowess, adeptly assessing and pricing risk to ensure profitability while providing peace of mind to its clientele. The company generates revenue through premium collection from its vast range of insurance products, which span from automobile and health insurance to commercial and agricultural coverages. By employing a highly disciplined approach to risk assessment and claims management, Mapfre is skilled in balancing customer satisfaction with financial performance. This equilibrium is further supported by its investment portfolio, where prudent risk management helps to offset insurance liabilities. By strategically investing premiums in financial markets, Mapfre not only preserves capital but also fosters growth, fortifying its position as a stalwart in the global insurance landscape.

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MPFRY Intrinsic Value

Undervaluation 30%

Intrinsic Value

Price

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

MPFRY

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S&P 500

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MPFRY vs S&P 500

Performance Gap
MPFRY vs S&P 500

Performance By Year
MPFRY vs S&P 500

Competitors Performance
Mapfre SA vs Peers

Mapfre SA
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MPFRY vs S&P 500

Stocks Performance MPFRY vs S&P 500

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MPFRY

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S&P 500

Stocks Performance
MPFRY vs S&P 500

Performance Gap
MPFRY vs S&P 500

Performance By Year
MPFRY vs S&P 500

Competitors Performance
Mapfre SA vs Peers

Mapfre SA
Glance View