MPFRF (Mapfre) Scaled Net Operating Assets: -0.21 (As of Dec. 2025)


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 Scaled Net Operating Assets?

Mapfre MPFRF -2.87% 61 Scaled Net Operating Assets is -0.21 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Mapfre's operating assets for the quarter that ended in Dec. 2025 was $38,955 Mil. Mapfre's operating liabilities for the quarter that ended in Dec. 2025 was $52,715 Mil. Mapfre's Total Assets for the quarter that ended in Jun. 2025 was $64,549 Mil. Therefore, Mapfre's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.21.

MPFRF
61GF Score
Mapfre SA MPFRF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Mapfre Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Mapfre's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(66235.714-52714.754)/59378.848
=0.23

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=68516.042 - 2280.328
=66235.714

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=56204.215 - 3425.995 - 63.466
=52714.754

Mapfre's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(38955.386-52714.754)/64548.904
=-0.21

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=68516.042 - 29560.656
=38955.386

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=56204.215 - 3425.995 - 63.466
=52714.754

* 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.

What does a Scaled Net Operating Assets of -0.21 mean?
Mapfre (MPFRF) has a Scaled Net Operating Assets of -0.21 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Mapfre and its competitors.
Is Mapfre's Scaled Net Operating Assets too high?
Mapfre's current Scaled Net Operating Assets is -0.21. 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 Scaled Net Operating Assets compare to BRK.A and AIG?
Mapfre's Scaled Net Operating Assets of -0.21 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Mapfre and its competitors. Mapfre's current Scaled Net Operating Assets is -0.21. 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 Scaled Net Operating Assets is -0.21. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Mapfre (MPFRF), the current Scaled Net Operating Assets is -0.21 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 (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:

  • Scaled Net Operating Assets: -0.21
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.86
Price
$2.62
GF Value