MBIA Inc (MBI) stock analysis
Close on Nov 12, 2026Market cap $238.76MP/E –Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Weak2 of 30 checks passed
MBIA passes 2 of the 30 checks behind our score; 26 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 1/6
- Past performance
- 0/6
- Financial health
- 0/6
- Dividend
- 0/6
What stands out
P/S below the industry
MBIA's price-to-sales of 2.29 is below the Insurance Carriers median of 2.96.
Growing faster than the industry
Revenue grew 18.0% over the last twelve months; the Insurance Carriers median is 11.1%.
What to watch
Revenue growing under 10% a year
Revenue grew -19.6% a year over the last three fiscal years, short of the 10% we look for.
No dividend
MBIA has not paid a dividend in the last twelve months.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S below the industry
MBIA's price-to-sales of 2.29 is below the Insurance Carriers median of 2.96.
P/B against the industry
Needs positive book value.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth1/6
Revenue growing under 10% a year
Revenue grew -19.6% a year over the last three fiscal years, short of the 10% we look for.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing faster than the industry
Revenue grew 18.0% over the last twelve months; the Insurance Carriers median is 11.1%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance0/6
Return on equity
Needs positive equity and five years of results.
Return on assets
Needs net income and total assets.
Return on equity against the industry
Needs positive equity.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin against the industry
Needs revenue and net income.
Financial health0/6
Debt level
Needs debt and equity figures.
Debt trend
Needs a balance sheet from five years ago with positive equity.
Debt coverage
Needs operating cash flow.
Interest coverage
Interest expense is not reported separately.
Short-term liquidity
Insurers do not split assets into current and non-current.
Bankruptcy risk (Altman Z)
The Altman model does not apply to insurers.
Dividend0/6
No dividend
MBIA has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for MBIA. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/B at month end
- Insurance Carriers median 1.6
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $1.43M
- Value traded per 1% price move
- $1.22M
Downside
Medium risk
- Typical loss in a bad month
- 21.5%
- Volatility (annualized)
- 39%
- Sharpe ratio, 1 year
- -1.07
- Beta to the S&P 500 (5Y)
- 1.14
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +90.5% | -19.6% | -22.3% | -21.1% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | -9.7% | -120.2% | 8.2% | |
| Return on assets | -2.6% | -8.9% | -8.5% | |
| Debt to equity | 0.62 | – | – | |
| Capex to revenue | 0.3% | 0.0% | – | |
| Diluted shares | 133M | 59M | 49M |
Cash use needs five years of cash flow figures
MBIA does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -221.3% | 0.04× | -0.97× | 8.2% |
| FY2024 | 1035.7% | 0.02× | -1.27× | -23.2% |
| FY2023 | 6814.3% | 0.00× | -2.36× | -37.6% |
| FY2022 | -126.6% | 0.04× | -6.75× | 32.6% |
| FY2021 | -235.4% | 0.04× | -59.02× | 502.8% |
| FY2020 | -205.0% | 0.04× | 13.55× | -120.2% |
| FY2019 | -128.2% | 0.04× | 7.91× | -36.9% |
| FY2018 | -182.7% | 0.02× | 6.79× | -23.4% |
| FY2017 | -370.7% | 0.04× | 4.36× | -69.2% |
| FY2016 | -115.0% | 0.02× | 3.73× | -9.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero-$177.00M
- Cash generatingOperating cash flow above zero$38.00M
- Return on assets improvedROA up on the prior year16.7% → -8.2%
- Earnings backed by cashOperating cash flow above net income$38.00M vs -$177.00M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise47M → 49M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.04
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