MBIA INC (MBI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MBI - US55262C1009 - Common Stock
7.02 USD
+0.05 (+0.72%)
7.02 USD
0 (0%)
Overall MBI gets a fundamental rating of 2 out of 10. We evaluated MBI against 146 industry peers in the Insurance industry. Both the profitability and financial health of MBI have multiple concerns. MBI is valied quite expensively at the moment, while it does show a decent growth rate.
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.
1.2 Ratios
- With a Return On Assets value of -8.59%, MBI is not doing good in the industry: 90.41% 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 60.27% 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 96.58% 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
2. Health
2.1 Basic Checks
- The number of shares outstanding for MBI has been increased compared to 1 year ago.
- The number of shares outstanding for MBI has been reduced compared to 5 years ago.
- 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's Debt to FCF ratio of 69.04 is on the low side compared to the rest of the industry. MBI is outperformed by 74.66% 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 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 106.15% over the past year.
- The Revenue has grown by 429.63% in the past year. This is a very strong growth!
- Measured over the past years, MBI shows a very negative growth in Revenue. The Revenue has been decreasing by -34.49% on average per year.
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 22.98% 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 Y101.42%
EPS Next 2Y36.77%
EPS Next 3Y22.98%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 31.91 indicates a quite expensive valuation of MBI.
- MBI's Price/Earnings ratio is a bit more expensive when compared to the industry. MBI is more expensive than 76.03% of the companies in the same industry.
- When comparing the Price/Earnings ratio of MBI to the average of the S&P500 Index (27.54), we can say MBI is valued inline with the index average.
- The Forward Price/Earnings Ratio is negative for MBI. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.91 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, MBI is valued a bit cheaper than the industry average as 60.27% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.95 | ||
| 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 22.98% in the coming years.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y36.77%
EPS Next 3Y22.98%
5. Dividend
5.1 Amount
- MBI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
7.02
+0.05 (+0.72%)
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 Owners48.93%
Inst Owner Change-0.02%
Ins Owners10.42%
Ins Owner Change-0.26%
Market Cap354.44M
Revenue(TTM)89.00M
Net Income(TTM)-177.00M
Analysts76.67
Price Target7.91 (12.68%)
Short Float %3.52%
Short Ratio5.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
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)3.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-27.78%
EPS NY rev (1m)0%
EPS NY rev (3m)110.09%
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 | 31.91 | ||
| Fwd PE | N/A | ||
| P/S | 3.98 | ||
| P/FCF | 6.95 | ||
| P/OCF | 6.95 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)0.22
EY3.13%
EPS(NY)-0.5
Fwd EYN/A
FCF(TTM)1.01
FCFY14.39%
OCF(TTM)1.01
OCFY14.39%
SpS1.76
BVpS-42.92
TBVpS-42.92
PEG (NY)0.31
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 Y101.42%
EPS Next 2Y36.77%
EPS Next 3Y22.98%
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.
Can you provide the valuation status for MBIA INC?
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.
Can you provide the financial health for MBI stock?
The financial health rating of MBIA INC (MBI) is 0 / 10.
Can you provide the dividend sustainability for MBI stock?
The dividend rating of MBIA INC (MBI) is 0 / 10 and the dividend payout ratio is 0%.