MBI

Company Overview — What Does MBIA INC Do?

MBIA Inc. provides financial guarantee insurance services to public finance markets. It operates through United States (U.S.) Public Finance Insurance, 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 and territories, as well as utilities, airports, health care institutions, higher educational facilities, student loan issuers, housing authorities, and other similar agencies and obligations issued by private entities. It also insures the non-U.S. public finance and global structured finance, including asset-backed obligations; and sovereign-related and sub-sovereign bonds, utilities, and privately issued bonds used for the financing of projects that include toll roads, bridges, airports, public transportation facilities, and other types of infrastructure projects, as well as offers third-party reinsurance services. MBIA Inc. was founded in 1973 and is headquartered in Purchase, New York. MBIA INC (MBI) is classified as a micro-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO William C. Fallon and employs approximately 80 people, headquartered in Harrison, New York. With a market capitalization of $295M, MBI is one of the notable companies in the Financials sector.

MBIA INC (MBI) Stock Rating — Reduce (April 2026)

As of April 2026, MBIA INC receives a Reduce rating with a composite score of 31.9/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.MBI ranks #3,611 out of 4,446 stocks in our coverage universe. Within the Financials sector, MBIA INC ranks #803 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

MBI Stock Price and 52-Week Range

MBIA INC (MBI) currently trades at $5.83. The stock lost $0.17 (2.8%) in the most recent trading session. The 52-week high for MBI is $8.26, which means the stock is currently trading -29.4% from its annual peak. The 52-week low is $3.86, putting the stock 51.0% above its annual trough. Recent trading volume was 248K shares, suggesting relatively thin trading activity.

Is MBI Overvalued or Undervalued? — Valuation Analysis

MBIA INC (MBI) carries a value factor score of 13/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-sales ratio is 3.66x, compared to 0.90x for the average Financials stock. On an enterprise value basis, MBI trades at 1.68x EV/EBITDA, versus 3.26x for the sector.

At current multiples, MBIA INC trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

MBIA INC Profitability — ROE, Margins, and Quality Score

MBIA INC (MBI) earns a quality factor score of 18/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 8.5%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -8.8% versus the sector average of 1.2%.

On a margin basis, MBIA INC reports gross margins of 100.0%. The operating margin is -227.2% (sector: 21.8%). Net profit margin stands at -229.7%, versus 17.7% for the average Financials stock. Revenue growth is running at -48.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

MBI Debt, Balance Sheet, and Financial Health

MBIA INC has a debt-to-equity ratio of -155.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 0.47x, which may signal near-term liquidity tightness. Total debt on the balance sheet is $3.36B. Cash and equivalents stand at $69M.

MBI has a beta of 0.83, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for MBIA INC is 54/100, reflecting average volatility within the normal range for its sector.

MBIA INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, MBIA INC reported revenue of $81M and earnings per share (EPS) of $-3.58. Net income for the quarter was $-178M. Gross margin was 100.0%. Operating income came in at $-176M.

In FY 2025, MBIA INC reported revenue of $80M and earnings per share (EPS) of $-3.58. Net income for the quarter was $-183M. Revenue grew 90.5% year-over-year compared to FY 2024. Operating income came in at $-181M.

In Q3 2025, MBIA INC reported revenue of $15M and earnings per share (EPS) of $-0.17. Net income for the quarter was $-8M. Revenue grew -48.3% year-over-year compared to Q3 2024. Operating income came in at $-7M.

In Q2 2025, MBIA INC reported revenue of $23M and earnings per share (EPS) of $-1.12. Net income for the quarter was $-56M. Revenue grew 162.2% year-over-year compared to Q2 2024. Operating income came in at $-56M.

Over the past 8 quarters, MBIA INC has demonstrated a growth trajectory, with revenue expanding from $-37M to $81M. Investors analyzing MBI stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

MBI Dividend Yield and Income Analysis

MBIA INC (MBI) does not currently pay a dividend. This is common among smaller companies in the Insurance industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

MBI Momentum and Technical Analysis Profile

MBIA INC (MBI) has a momentum factor score of 42/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 25/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 63/100 reflects moderate short selling activity.

MBI vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, MBIA INC (MBI) ranks #803 out of 891 stocks based on the Blank Capital composite score. This places MBI in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing MBI against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full MBI vs S&P 500 (SPY) comparison to assess how MBIA INC stacks up against the broader market across all factor dimensions.

MBI Next Earnings Date

No upcoming earnings date has been announced for MBIA INC (MBI) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy MBI? — Investment Thesis Summary

The quantitative profile for MBIA INC suggests caution. The quality score of 18/100 flags below-average profitability. The value score of 13/100 indicates premium valuation.

In summary, MBIA INC (MBI) earns a Reduce rating with a composite score of 31.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on MBI stock.

Related Resources for MBI Investors

Explore more research and tools: MBI vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare MBI head-to-head with peers: MBI vs WTM, MBI vs OPY, MBI vs ACT.