MPFRF (Mapfre) Moat Score: 4/10 (As of Jun. 27, 2026)


MPFRF Mapfre SA MPFRF
61 GF Score
Price $4.86
GF Value $2.62
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Mapfre Moat Score?

Mapfre MPFRF -2.87% 61 Moat Score is 4 as of Jun. 27, 2026. GuruFocus rates MPFRF with a GF Score™ of 61/100 and a GF Value™ of $2.62 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 596 Insurance companies, Mapfre ranks better than 79.53% on this metric.

Mapfre has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Mapfre has Narrow Moat: Mapfre SA has a discernible but modest moat, primarily due to its established brand and market presence in insurance. However, it lacks strong customer loyalty and significant cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Mapfre might have Narrow Moat - Discernible but modest moat.

Mapfre  (OTCPK:MPFRF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Mapfre Moat Score Related Terms

MPFRF vs BRK.A, AIG, HIG: Moat Score Comparison

For the Insurance - Diversified subindustry, Mapfre's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Mapfre's Moat Score distribution charts can be found below:

* The bar in red indicates where Mapfre's Moat Score falls into.


MPFRF
61GF Score
Mapfre SA MPFRF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Mapfre (MPFRF) has a Moat Score of 4 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Mapfre ranks #122 out of 596 companies in the Insurance industry, placing it in the top 20.5%.
Is Mapfre's Moat Score too high?
Mapfre's current Moat Score is 4. Based on the distribution chart, Mapfre ranks #122 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Mapfre has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mapfre's Moat Score compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Mapfre ranks #122 out of 596 companies for Moat Score. This places Mapfre in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Mapfre's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mapfre stock overvalued right now?
Based on GuruFocus' analysis, Mapfre (MPFRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $2.62, compared to a current price of $4.86 — trading 85.4% above its estimated fair value. The current Moat Score is 4. Mapfre's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Mapfre (MPFRF), the current Moat Score is 4 as of Jun. 27, 2026. 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 (MPFRF) Overvalued in 2026?

Based on GuruFocus' analysis, Mapfre stock appears to be overvalued. The current stock price of $4.86 is trading 85.4% above its estimated GF Value™ of $2.62. GuruFocus considers Mapfre to be Significantly Overvalued.

Key valuation signals for MPFRF:

  • Moat Score: 4
  • GF Value™: $2.62 vs. price of $4.86 (85.4% above fair value)
  • GF Score™: 61/100 with 5 warning signs

No single metric tells the full story. See the MPFRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Mapfre Business Description

Address Carretera de Pozuelo 52, Majadahonda, ESP, 28222
Mapfre SA engaged in insurance activity in its various lines of business, both life and non-life, finance, securities investment, and services. It has Insurance business units in Iberia, Brazil, Latam north, Latam south, North America and Eurasia also Assistance unit, Global risks unit and Reinsurance unit around the world. Key revenue comes from Iberia. Mapfre also provides health and other non-life insurance policies.
61GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.86
Price
$2.62
GF Value