MBI

MBIA Inc.

Fundamental data last updated:September 7, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Specialty

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

MBIA Inc. provides financial guarantee insurance services to public finance markets. It operates through United States (U.S.) Public Finance Insurance, and International and Structured Finance Insurance segments. The company issues financial guarantees for municipal bonds, including tax-exempt and taxable indebtedness of the U.S. political subdivisions and territories, as well as utilities, airports, health care institutions, higher educational facilities, student loan issuers, housing authorities, and other similar agencies and obligations issued by private entities. It also insures the non-U.S. public finance and global structured finance, including asset-backed obligations; and sovereign-related and sub-sovereign bonds, utilities, and privately issued bonds used for the financing of projects that include toll roads, bridges, airports, public transportation facilities, and other types of infrastructure projects, as well as offers third-party reinsurance services. MBIA Inc. was founded in 1973 and is headquartered in Purchase, New York.

 


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VALUATION

P/E

-1.92

Market Cap ($M USD)

$303.82M

Forward P/E

-16.47

PEG

-0.19

PRICE TO SALES

3.38

PRICE TO BOOK

-0.13

EV / EBITDA

106.29

5-Year Average P/E

Free Cash Flow Yield

15.80%

DCF Value

$-109.27

Graham Number

N/A

Price to FCF

6.33

EV to FCF

75.29

Earnings Yield

-52.18%

FCF Yield

15.80%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

-$3.11

Next Year EPS Growth Estimate

-$0.36

Next Year Revenue Growth Estimate

$19.25M

Return on Equity (ROE)

6.98%

FREE CASH FLOW

Operating Margin

-177.78%

Debt-to-Equity

-1.50

Piotroski F-Score

5

Altman Z-Score

-0.49

Return on Invested Capital (ROIC)

-11.63%

Current Ratio

2.76

Quick Ratio

2.76

Net Debt to EBITDA

97.35

Interest Coverage

-0.54

Gross Profit margin

37.78%

FCF PER SHARE

$0.96

REVENUE PER SHARE

$1.81

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Gainseekers Quantitative Analysis

Summary

MBIA Inc. appears to be a financial enigma, with its valuation metrics painting a perplexing picture. The market seems to have mispriced the stock significantly, as indicated by its negative DCF Value and Graham Number. The Forward P/E and Earnings Yield suggest a lack of growth prospects, while the Altman Z-score raises red flags about its financial stability. Despite a “Buy” consensus rating, the numbers suggest caution, as the company’s fundamentals are far from robust.

AI Exposure / Tech Reliance

Operating in the insurance specialty sector, MBIA Inc. faces a unique challenge in adapting to AI and tech shifts. While the industry is traditionally slow to innovate, the potential for AI-driven risk assessment and underwriting could offer new efficiencies. However, the company's current metrics do not indicate a strong tech adaptation strategy.

The Bull Case

For the value-driven investor, MBIA Inc. offers a few glimmers of hope. The Return on Equity of 6.98% and a Free Cash Flow Yield of 16.5% suggest some level of capital efficiency. A Piotroski F-Score of 5 indicates moderate financial health, while the company's gross profit margin of 16.67% hints at some pricing power. These metrics suggest that, despite its challenges, MBIA has pockets of operational strength that could appeal to a GARP investor.

The Bear Case

The bear case for MBIA Inc. is compelling, with several structural weaknesses that cannot be ignored. The negative Price/Book ratio and an alarming EV to EBITDA highlight severe valuation concerns. The company's operating margin of -177.78% and negative interest coverage ratio indicate a business struggling to maintain profitability. Additionally, the stock's distance from its 52-week high suggests technical overextension, making it a risky bet.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$14.00

Institutional Ownership %

1-Year Beta

1.37

Insider Buying % (6 Mo)

Distance to 52-Week High

38.47%

Distance to 52-Week Low

31.10%

EARNINGS SURPRISE %

-45.45%

50-DAY SMA

$5.94

200-DAY SMA

$6.75

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.