Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Mapfre MiddleseaMAL:MMS 53 Debt-to-Equity is 0.02 as of Dec. 2025, which is at its 10-year median of 0.02. GuruFocus rates MAL:MMS with a GF Score™ of 53/100 and a GF Value™ of €1.36 (Fairly Valued). The stock has 1 warning sign investors should review. Among 406 Insurance companies, Mapfre Middlesea ranks better than 88.67% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Mapfre Middlesea's Debt-to-Equity or its related term are showing as below:
MAL:MMS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.02
Current: 0.02
During the past 13 years, the highest Debt-to-Equity Ratio of Mapfre Middlesea was 0.02. The lowest was 0.01. And the median was 0.02.
MAL:MMS's Debt-to-Equity is ranked better than 88.67% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs MAL:MMS: 0.02
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Mapfre Middlesea Debt-to-Equity Related Terms
Mapfre Middlesea Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Mapfre Middlesea's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MAL:MMS vs BRK.A, AIG, HIG: Debt-to-Equity Comparison
For the Insurance - Diversified subindustry, Mapfre Middlesea's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mapfre Middlesea Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Mapfre Middlesea's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Mapfre Middlesea's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Mapfre Middlesea (MAL:MMS) has a Debt-to-Equity of 0.02 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Mapfre Middlesea and its competitors. This is near median its historical median of 0.02. Over the past decade, Mapfre Middlesea's Debt-to-Equity has ranged from 0.01 to 0.02. According to the industry distribution chart, Mapfre Middlesea ranks #46 out of 406 companies in the Insurance industry, placing it in the top 11.3%.
Is Mapfre Middlesea's Debt-to-Equity too high?
Mapfre Middlesea's current Debt-to-Equity of 0.02 is near median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.02. The Insurance industry median Debt-to-Equity is 0.20. Mapfre Middlesea's value of 0.02 is 90% below this industry median. Based on the distribution chart, Mapfre Middlesea ranks #46 out of 406 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Mapfre Middlesea has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mapfre Middlesea's Debt-to-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Mapfre Middlesea ranks #46 out of 406 companies for Debt-to-Equity. This places Mapfre Middlesea in the top 11% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.20. Mapfre Middlesea's value of 0.02 is 90% below this benchmark. Historically, Mapfre Middlesea's own Debt-to-Equity has ranged from 0.01 to 0.02 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 0.20, Mapfre Middlesea has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mapfre Middlesea's current Debt-to-Equity of 0.02 is 90% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Mapfre Middlesea and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mapfre Middlesea's current Debt-to-Equity is 0.02, which is near median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mapfre Middlesea stock overvalued right now?
Based on GuruFocus' analysis, Mapfre Middlesea (MAL:MMS) is currently considered Fairly Valued. The stock's GF Value™ is €1.36, compared to a current price of €1.42 — trading 4.4% above its estimated fair value. The current Debt-to-Equity is 0.02, which is near median its 10-year median of 0.02 and 90% below the Insurance industry median of 0.20. Mapfre Middlesea's overall GF Score™ is 53/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Mapfre Middlesea (MAL:MMS), the current Debt-to-Equity is 0.02 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Mapfre Middlesea (MAL:MMS) Overvalued in 2026?
Based on GuruFocus' analysis, Mapfre Middlesea stock appears to be overvalued.
The current stock price of €1.42 is trading 4.4% above its estimated GF Value™ of €1.36.
GuruFocus considers Mapfre Middlesea to be Fairly Valued.
Key valuation signals for MAL:MMS:
Debt-to-Equity: 0.02 (near median its 10-year median of 0.02)
GF Value™: €1.36 vs. price of €1.42 (4.4% above fair value)
Industry Position: 90% below the Insurance median (#46 of 406)
No single metric tells the full story. See the MAL:MMS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mapfre Middlesea PLC is an insurance company. The segments of the company are motor, Fire and other damage to property, Health, Other classes, and group life. The company provides services to individuals and businesses. The company generates the majority of its revenue from the Motor segment. The group operates only in Malta.
53GF Score
Get the complete analysis for MAL:MMS
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MAL:MMS has been successfully added to your 
