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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
Net attributable profit rose 19.6% to €1.08 billion, surpassing €1 billion for the first time, with all regions contributing positively.
Record premiums reached €29.15 billion, up 3.6% year-over-year, and consolidated revenue exceeded €34.5 billion.
Combined ratio improved to 92.2%, the best in 15 years, reflecting strong technical performance.
Largest dividend ever paid, totaling €554 million with a yield of 4.6%, and payout ratio at 51.4%.
Strategic plan implementation and technical management improvements drove robust results and increased shareholder remuneration.
Financial highlights
Non-Life premiums grew 1.5% to €22.47 billion; Life premiums increased 11.6% to €6.68 billion.
Net result before taxes and minorities exceeded €2.4 billion for the first time.
Shareholders' equity increased 5.3% to €8.96 billion; Solvency II ratio at 210.4%.
Assets under management rose 9% to €64.7 billion.
IFRS net result was €1,133 million, €54 million higher than local GAAP, with positive impacts from IFRS 17 and IFRS 9.
Outlook and guidance
Optimism for 2026, with continued value creation expected from business diversification and improved profitability.
Strategic plan targets: >6% average growth in written premiums (excl. Life Savings), ROE of 11–12%, combined ratio of 94–95%, solvency ratio around 200%.
Sustainability goals: carbon neutrality in 15 countries by 2026, >95% ESG investments, 36% women in management.
Guidance to be updated at the 2026 AGM, with a new strategic plan starting in 2027.
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Next Mapfre earnings date
AGM 202613 Mar, 2026
Mapfre
Next Mapfre earnings date
AGM 202613 Mar, 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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