MBIA (MBI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

MBIA

NYSE•Financial Services•Insurance - Specialty

$4.61-0.16(-0.03%)Pre-market

Market Cap

$226.89M

P/S

2.4x

MBIA Inc., together with its subsidiaries, provides financial guarantee insurance services to public finance markets in the United States. It operates through United States (U.S.) Public Finance Insurance, Corporate, and International and Structured Finance Insurance segments. The company issues financial guarantees for municipal bonds, including tax-exempt and taxable indebtedness of the U.S. political subdivisions, as well as utilities, airports, health care institutions, higher educational facilities, housing authorities, and other similar agencies and obligations issued by private entities. It also insures non-U.S. public finance and global structured finance, including asset-backed obligations; sovereign-related and sub-sovereign bonds, utilities, and privately issued bonds used for the financing for toll roads, bridges, public transportation facilities, and other types of infrastructure projects; and structured finance and asset-backed obligations comprising residential and commercial mortgages, consumer loans, and structured settlements. as well as offers third-party reinsurance agreements. MBIA Inc. was founded in 1973 and is headquartered in Purchase, New York.

How this company scores

WeakMetricSide Score: 43/100

Grade capped at D — Negative equity — the balance sheet is insolvent. Strongest: Profitability (13/25); weakest: Balance Sheet & Red Flags (7/25).

Profitability13/25

Growth11/25

Balance Sheet & Red Flags7/25

Cash & Earnings Quality12/25

Strengths

Profit converts from growthNet cash positionImproving margins

Grade capped at D

Negative equity — the balance sheet is insolvent.
Interest coverage below 1× (-0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/S · 2.4x5y range 2.1x – 40.9x

Currently below its 18-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Red Flag

Free cash flow has been negative in 5 of the last 8 quarters — earnings are not translating to cash.

Price & Volume

Market Cap $226.89M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $94.00M
Q. Revenue: $27.00M
TTM EBITDA: $-147.00M
TTM Op. Income: $-147.00M
Q. Op. Income: $-43.00M
TTM Net Income: $-142.00M
Q. Net Income: $-43.00M
EPS: $-0.91
Shares Out.: $50.20M

$94.00M in TTM revenue declined 8.7% YoY, reaching $27.00M last quarter. TTM EBITDA of $-147.00M and TTM operating income of $-147.00M show growth is flowing through to the bottom line. However, net income is negative at $142.00M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: -159.3%
Op. Margin: -159.3%
Net Margin: -159.3%

Op. margin of -159.3% is up 84.2% YoY — cost efficiency is improving. Net margin at -159.3% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 2.4x
P/B Ratio: N/A

P/S of 2.4x and P/B of 0.0x.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.98B
Cash: $115.00M
Long-Term Debt: N/A
Book Value: $-2.33B
D/E Ratio: N/A
Debt/EBITDA: N/A

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-4.00M
TTM Free Cash Flow: $43.00M
FCF Margin: 45.7%
FCF / Net Income: -0.3

TTM FCF of $43.00M on $-4.00M in operating cash flow. The FCF / Net Income ratio of -0.3x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is up 124% — a weakening trend.