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MBIA INC (MBI) Stock Fundamental Analysis

USA - NYSE:MBI - US55262C1009 - Common Stock

7.64 USD
0 (0%)
Last: 11/19/2025, 2:57:45 PM
Fundamental Rating

2

Taking everything into account, MBI scores 2 out of 10 in our fundamental rating. MBI was compared to 147 industry peers in the Insurance industry. MBI may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, MBI is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

MBI had positive earnings in the past year.
MBI had a positive operating cash flow in the past year.
In the past 5 years MBI always reported negative net income.
In the past 5 years MBI reported 4 times negative operating cash flow.
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

With a Return On Assets value of -8.59%, MBI is not doing good in the industry: 91.84% of the companies in the same industry are doing better.
MBI has a Return On Invested Capital (1.15%) which is comparable to the rest of the industry.
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

MBI's Operating Margin of 33.71% is amongst the best of the industry. MBI outperforms 97.96% of its industry peers.
The Profit Margin and Gross Margin are not available for MBI so they could not be analyzed.
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

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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.
MBI has a worse debt/assets ratio than last year.
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.
The Debt to FCF ratio of MBI (69.04) is worse than 72.79% 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

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 106.15% over the past year.
Looking at the last year, MBI shows a very strong growth in Revenue. The Revenue has grown by 429.63%.
MBI shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -34.49% yearly.
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.
The Revenue is expected to decrease by -13.40% on average over the next years. This is quite bad
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

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 34.73, the valuation of MBI can be described as expensive.
MBI's Price/Earnings ratio is rather expensive when compared to the industry. MBI is more expensive than 81.63% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.47. MBI is valued slightly more expensive when compared to this.
MBI is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE 34.73
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of MBI indicates a somewhat cheap valuation: MBI is cheaper than 61.90% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.56
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)0.4
PEG (5Y)N/A
EPS Next 2Y36.77%
EPS Next 3Y22.76%

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0

5. Dividend

5.1 Amount

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

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MBIA INC

NYSE:MBI (11/19/2025, 2:57:45 PM)

7.64

0 (0%)

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 Change4.99%
Ins Owners10.43%
Ins Owner Change-0.88%
Market Cap385.74M
Revenue(TTM)89.00M
Net Income(TTM)-177.00M
Analysts76.67
Price Target7.65 (0.13%)
Short Float %4.39%
Short Ratio6.23
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)10%
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 34.73
Fwd PE N/A
P/S 4.33
P/FCF 7.56
P/OCF 7.56
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.22
EY2.88%
EPS(NY)-0.5
Fwd EYN/A
FCF(TTM)1.01
FCFY13.22%
OCF(TTM)1.01
OCFY13.22%
SpS1.76
BVpS-42.92
TBVpS-42.92
PEG (NY)0.4
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 2 / 10.


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

The Price/Earnings (PE) ratio for MBIA INC (MBI) is 34.73 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.