MBI Fundamental Analysis - MBIA INC

Fundamental Rating

We assign a fundamental rating of 1 out of 10 to MBI. MBI was compared to 148 industry peers in the Insurance industry. MBI has a bad profitability rating. Also its financial health evaluation is rather negative. MBI is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

MBI had positive earnings in the past year.

In the past year MBI had a positive cash flow from operations.

In the past 5 years MBI always reported negative net income.

In the past 5 years MBI reported 4 times negative operating cash flow.

1.2 Ratios

With a Return On Assets value of -8.59%, MBI is not doing good in the industry: 92.57% of the companies in the same industry are doing better.

MBI's Return On Invested Capital of 1.15% is on the low side compared to the rest of the industry. MBI is outperformed by 61.49% of its industry peers.

		Industry Rank	Sector Rank
ROA	-8.59%
ROE	N/A
ROIC	1.15%

ROA(3y)-15.16%

ROA(5y)-13%

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

MBI has a Operating Margin of 33.71%. This is amongst the best in the industry. MBI outperforms 97.30% of its industry peers.

The Profit Margin and Gross Margin are not available for MBI so they could not be analyzed.

		Industry Rank	Sector Rank
OM	33.71%
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

MBI has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, MBI has less shares outstanding

The debt/assets ratio for MBI is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of MBI is 69.04, which is on the high side as it means it would take MBI, 69.04 years of fcf income to pay off all of its debts.

MBI has a Debt to FCF ratio of 69.04. This is in the lower half of the industry: MBI underperforms 74.32% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF	69.04
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

MBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 106.15%, which is quite impressive.

MBI shows a strong growth in Revenue. In the last year, the Revenue has grown by 429.63%.

The Revenue for MBI have been decreasing by -34.49% on average. This is quite bad

EPS 1Y (TTM)106.15%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%86.32%

Revenue 1Y (TTM)429.63%

Revenue growth 3Y-35.84%

Revenue growth 5Y-34.49%

Sales Q2Q%-22.22%

3.2 Future

MBI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.76% yearly.

Based on estimates for the next years, MBI will show a very negative growth in Revenue. The Revenue will decrease by -13.40% on average per year.

EPS Next Y85.89%

EPS Next 2Y36.77%

EPS Next 3Y22.76%

EPS Next 5YN/A

Revenue Next Year-10.71%

Revenue Next 2Y-13.4%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 34.32, MBI can be considered very expensive at the moment.

81.08% of the companies in the same industry are cheaper than MBI, based on the Price/Earnings ratio.

MBI's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.31.

The Forward Price/Earnings Ratio is negative for MBI. No positive earnings are expected for the next year.

		Industry Rank	Sector Rank
PE	34.32
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as MBI.

		Industry Rank	Sector Rank
P/FCF	7.47
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as MBI's earnings are expected to grow with 22.76% in the coming years.

PEG (NY)0.4

PEG (5Y)N/A

EPS Next 2Y36.77%

EPS Next 3Y22.76%

More info and screens

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5. Dividend

5.1 Amount

MBI does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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MBIA INC

NYSE:MBI (11/28/2025, 7:44:53 PM)

After market: 7.55 0 (0%)

7.55

+0.01 (+0.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-04 2025-11-04/amc

Earnings (Next)02-25 2026-02-25/amc

Inst Owners46.38%

Inst Owner Change5.11%

Ins Owners10.43%

Ins Owner Change-0.48%

Market Cap381.20M

Revenue(TTM)89.00M

Net Income(TTM)-177.00M

Analysts76.67

Price Target7.65 (1.32%)

Short Float %4.39%

Short Ratio6.23

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly Dividend7.73

Dividend Growth(5Y)97.69%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)528.24%

Min EPS beat(2)-14.76%

Max EPS beat(2)1071.24%

EPS beat(4)1

Avg EPS beat(4)236.13%

Min EPS beat(4)-90.1%

Max EPS beat(4)1071.24%

EPS beat(8)2

Avg EPS beat(8)-128.36%

EPS beat(12)4

Avg EPS beat(12)-238.84%

EPS beat(16)5

Avg EPS beat(16)-221.7%

Revenue beat(2)2

Avg Revenue beat(2)15.51%

Min Revenue beat(2)15.51%

Max Revenue beat(2)15.51%

Revenue beat(4)3

Avg Revenue beat(4)23.76%

Min Revenue beat(4)-0.99%

Max Revenue beat(4)65.02%

Revenue beat(8)7

Avg Revenue beat(8)23.76%

Revenue beat(12)11

Avg Revenue beat(12)90.94%

Revenue beat(16)15

Avg Revenue beat(16)115.28%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)10%

EPS NY rev (1m)0%

EPS NY rev (3m)3.25%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	34.32
Fwd PE	N/A
P/S	4.28
P/FCF	7.47
P/OCF	7.47
P/B	N/A
P/tB	N/A
EV/EBITDA	N/A

EPS(TTM)0.22

EY2.91%

EPS(NY)-0.5

Fwd EYN/A

FCF(TTM)1.01

FCFY13.38%

OCF(TTM)1.01

OCFY13.38%

SpS1.76

BVpS-42.92

TBVpS-42.92

PEG (NY)0.4

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	-8.59%
ROE	N/A
ROCE	1.46%
ROIC	1.15%
ROICexc	1.19%
ROICexgc	1.29%
OM	33.71%
PM (TTM)	N/A
GM	N/A
FCFM	57.3%

ROA(3y)-15.16%

ROA(5y)-13%

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF	69.04
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	250
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)106.15%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%86.32%

EPS Next Y85.89%

EPS Next 2Y36.77%

EPS Next 3Y22.76%

EPS Next 5YN/A

Revenue 1Y (TTM)429.63%

Revenue growth 3Y-35.84%

Revenue growth 5Y-34.49%

Sales Q2Q%-22.22%

Revenue Next Year-10.71%

Revenue Next 2Y-13.4%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y109.43%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y106.79%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y106.79%

OCF growth 3YN/A

OCF growth 5YN/A

MBIA INC / MBI FAQ

What is the fundamental rating for MBI stock?

ChartMill assigns a fundamental rating of 1 / 10 to MBI.

What is the valuation status of MBIA INC (MBI) stock?

ChartMill assigns a valuation rating of 2 / 10 to MBIA INC (MBI). This can be considered as Overvalued.

How profitable is MBIA INC (MBI) stock?

MBIA INC (MBI) has a profitability rating of 1 / 10.

What are the PE and PB ratios of MBIA INC (MBI) stock?

The Price/Earnings (PE) ratio for MBIA INC (MBI) is 34.32 and the Price/Book (PB) ratio is -0.18.

What is the earnings growth outlook for MBIA INC?

The Earnings per Share (EPS) of MBIA INC (MBI) is expected to grow by 85.89% in the next year.

MBIA INC (MBI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens

MBIA INC / MBI FAQ

What is the fundamental rating for MBI stock?

What is the valuation status of MBIA INC (MBI) stock?

How profitable is MBIA INC (MBI) stock?

What are the PE and PB ratios of MBIA INC (MBI) stock?

What is the earnings growth outlook for MBIA INC?