Allianz vs Mapfre (ALV.DE vs MAP)

Allianz (ALV.DE) vs Mapfre (MAP) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.

Allianz (ALV.DE) and Mapfre (MAP) compete in insurance. Here are Allianz and Mapfre side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy Allianz or Mapfre.

Allianz vs Mapfre: the figures

Allianz and Mapfre figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that Allianz or Mapfre figure is not available, and we never estimate it.

3 key differences between Allianz and Mapfre

1. Growth: Mapfre grew sales +43.1% year on year in its latest quarter, against +12.1% for Allianz.
2. Debt: Mapfre owes 0.2x its annual operating profit (EBITDA), while Allianz holds more cash than debt.
3. Valuation: Allianz trades at 15.0x its annual earnings and Mapfre at 11.0x; the market pays more for each dollar of Allianz profit, usually because it expects more growth.

Allianz or Mapfre: which fits your profile

• If you want growth: Mapfre is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
• If you want income (dividends): Mapfre pays the higher dividend relative to its price.
• If you prefer caution: Allianz has less debt relative to its profit, which usually gives more room in a bad year.
• If price is what matters most to you: Mapfre trades on the lower P/E; check first whether that is an opportunity or a sign of a business that grows less.

Neither Allianz nor Mapfre wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.

How Allianz and Mapfre make money

Allianz (ALV.DE)

Allianz runs three businesses: Property-Casualty insurance (auto, home, commercial), its largest by revenue; Life/Health, which includes savings and retirement products; and Asset Management, home to PIMCO and Allianz Global Investors, which earn fees for managing other people's money. It operates across Europe, the Americas and Asia. Full Allianz analysis.

Mapfre (MAP)

Mapfre sells auto, home, life, health and commercial insurance, earning from premiums and from investing that money. It reports by region: Iberia, covering Spain and Portugal and its biggest market, Latin America, led by Brazil and Mexico, North America and Eurasia. Mapfre Re runs its reinsurance business. Full Mapfre analysis.

Frequently asked questions: Allianz vs Mapfre

Is Allianz or Mapfre the better stock?

Choosing between Allianz and Mapfre depends on what you are looking for. Mapfre is growing faster right now, and Mapfre trades on the lower P/E. Fintols does not tell you whether to buy Allianz or Mapfre: it shows you the differences so you can decide.

Which pays a higher dividend, Allianz or Mapfre?

As of November 4, 2026, Mapfre yields 4.48% and Allianz yields 3.88%. Also check how much of their profit Allianz and Mapfre pay out: if it is more than they earn, it cannot last.

Which is more expensive, Allianz or Mapfre?

On P/E, Allianz (15.0x) is more expensive than Mapfre (11.0x) as of November 4, 2026. A higher P/E can be justified if earnings grow faster, so compare it with each company's growth in the table.

Can I own both Allianz and Mapfre?

Yes. Many people spread their money across several companies, such as Allianz and Mapfre, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying Allianz or Mapfre.

More comparisons with Allianz or Mapfre

• Allianz vs AXA
• Allianz vs Munich Re
• AXA vs Mapfre
• Mapfre vs Munich Re

More companies like Allianz and Mapfre: insurance stocks. Educational content about Allianz and Mapfre, not investment advice.