Logo image of MBI

MBIA INC (MBI) Stock Fundamental Analysis

USA - NYSE:MBI - US55262C1009 - Common Stock

7.72 USD
+0.08 (+1.05%)
Last: 11/14/2025, 10:20:01 AM
Fundamental Rating

2

Overall MBI gets a fundamental rating of 2 out of 10. We evaluated MBI against 146 industry peers in the Insurance industry. MBI may be in some trouble as it scores bad on both profitability and health. MBI is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

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.
MBI had negative operating cash flow in 4 of the past 5 years.
MBI Yearly Net Income VS EBIT VS OCF VS FCFMBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M -1B -1.5B

1.2 Ratios

MBI has a worse Return On Assets (-8.59%) than 92.47% of its industry peers.
MBI has a worse Return On Invested Capital (1.15%) than 60.96% of its industry peers.
Industry RankSector 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
MBI Yearly ROA, ROE, ROICMBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 -200 -300

1.3 Margins

Looking at the Operating Margin, with a value of 33.71%, MBI belongs to the top of the industry, outperforming 97.95% of the companies in the same industry.
MBI does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
MBI Yearly Profit, Operating, Gross MarginsMBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -2K -4K -6K -8K

More info and screens

0

2. Health

2.1 Basic Checks

The number of shares outstanding for MBI has been increased compared to 1 year ago.
MBI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MBI has a worse debt to assets ratio.
MBI Yearly Shares OutstandingMBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
MBI Yearly Total Debt VS Total AssetsMBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

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 worse Debt to FCF ratio (69.04) than 72.60% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 69.04
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
MBI Yearly LT Debt VS Equity VS FCFMBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MBI Yearly Current Assets VS Current LiabilitesMBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 106.15% over the past year.
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

The Earnings Per Share is expected to grow by 22.76% on average over the next years. This is a very strong growth
MBI is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -13.40% yearly.
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

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MBI Yearly Revenue VS EstimatesMBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
MBI Yearly EPS VS EstimatesMBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 -4

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 35.09, MBI can be considered very expensive at the moment.
MBI's Price/Earnings ratio is rather expensive when compared to the industry. MBI is more expensive than 80.82% of the companies in the same industry.
When comparing the Price/Earnings ratio of MBI to the average of the S&P500 Index (25.91), we can say MBI is valued slightly more expensively.
The Forward Price/Earnings Ratio is negative for MBI. No positive earnings are expected for the next year.
Industry RankSector Rank
PE 35.09
Fwd PE N/A
MBI Price Earnings VS Forward Price EarningsMBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MBI is valued a bit cheaper than the industry average as 62.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.64
EV/EBITDA N/A
MBI Per share dataMBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -10 -20 -30 -40

4.3 Compensation for Growth

MBI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
MBI's earnings are expected to grow with 22.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)N/A
EPS Next 2Y36.77%
EPS Next 3Y22.76%

More info and screens

0

5. Dividend

5.1 Amount

MBI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

MBIA INC

NYSE:MBI (11/14/2025, 10:20:01 AM)

7.72

+0.08 (+1.05%)

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 Change0.34%
Ins Owners10.43%
Ins Owner Change0.2%
Market Cap389.78M
Revenue(TTM)89.00M
Net Income(TTM)-177.00M
Analysts76.67
Price Target7.65 (-0.91%)
Short Float %4.28%
Short Ratio5.07
Dividend
Industry RankSector 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)15.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)21.25%
EPS NY rev (1m)0%
EPS NY rev (3m)2.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.17%
Valuation
Industry RankSector Rank
PE 35.09
Fwd PE N/A
P/S 4.38
P/FCF 7.64
P/OCF 7.64
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.22
EY2.85%
EPS(NY)-0.5
Fwd EYN/A
FCF(TTM)1.01
FCFY13.08%
OCF(TTM)1.01
OCFY13.08%
SpS1.76
BVpS-42.92
TBVpS-42.92
PEG (NY)0.41
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 2 / 10 to MBI.


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

ChartMill assigns a valuation rating of 3 / 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 35.09 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.