MBI Financial Services

MBIA Inc.

$4.43-3.28%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Insurance - Specialty
Country: United States
Market cap: 226.0M USD
Full-time employees: 57

Overall health

Not enough data: too little is reported yet for an overall view

Only 2 of 3 categories have enough reported data; an overall score needs at least 3.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Negative shareholders' equity. Liabilities exceed assets on the balance sheet.
MBIA's liabilities exceed its assets on the balance sheet. Large share buybacks can cause this in healthy companies, but so can accumulated losses; either way, debt-based ratios need care.
Earnings slid into a loss. Loss per share this year after a profit last year.
MBIA made a loss per share in its latest year after a profit the year before.
Not profitable yet. Reported a loss in the 12 months to June 2026.
MBIA reported a net loss over the last twelve months, so earnings-based measures can't show it as cheap.
Revenue is falling. Revenue fell 8.7% in the 12 months to June 2026 vs the 12 months before.
MBIA's revenue fell 8.7% in the 12 months to June 2026 vs the 12 months before.

StockQuotient Score

—

Valuation

Is the price right?

0/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield-1029.2%

SEC filings · latest balance sheetOutlier capped at sector 5th/95th percentile40% base weight · Z-score -2.06Sector median: 0.7950 · MAD: 0.2843

Earnings yield-63.7%

SEC filings · 12 months to Jun 2026Negative (a loss or cash outflow), so it counts as zero whatever the share price60% base weight · Z-score -3.12Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield19.0%

Yahoo Finance fallback · SEC cash flow or share count unavailable · trailing 12 months · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

10/100

Weak

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 4.4%

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growthUnavailable

Earnings per share turned from a profit to a loss100% base weight · Z-score -1.99Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth-3.3%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth-8.7%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

Insufficient data

Insufficient data: 1 of 2 inputs reported (at least 2 needed). We leave it blank rather than fill the gap with a made-up middle value.

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about MBIA

Is MBIA getting weaker?: Its latest SEC filing (Aug 6, 2026) showed no major changes.
How is MBIA valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 0/100 against 950 banks & insurance peers. Book yield -1029.2% vs a peer median of 79.5% (weaker than 100% of peers).Book yield -1029.2% vs peers 79.5% (weaker than 100% of peers).
Is MBIA growing?: More slowly than most of its peers. Growth scores 10/100 against 950 banks & insurance peers.
How profitable is MBIA?: Insufficient data: 1 of 2 inputs reported (at least 2 needed).
How risky is MBIA?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 6, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	90.0M USD	94.0M USD	+4.4%
Net income (12 months)	−155.0M USD	−144.0M USD	−7.1%
Cash	72.0M USD	117.0M USD	+62.5%
Shares outstanding	50.9M	51.0M	+0.2%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Banks & Insurance · 209 companies

Valuations in Banks & Insurance are within their usual range since 2016.

55% of months since 2016 were valued lower than now.
27% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +25% and earnings +33% (medians): prices and earnings moved broadly together.
Median price-to-book is −57% vs the whole market, against a usual −57%.

2016Shaded: most expensive fifth of its range2026

Shown for Banks & Insurance: too few Insurance - Specialty companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	-235.4%	-126.6%	6814.3%	1035.7%	-221.3%	▼ >999 pts
Return on assets (ROA)	-9.5%	-5.8%	18.3%	20.1%	-8.8%	▼ 29 pts
Return on equity (ROE)	—	—	—	—	—	—

MBI price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Not enough data: too little is reported yet for an overall view

Only 2 of 3 categories have enough reported data; an overall score needs at least 3.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Negative shareholders' equity. Liabilities exceed assets on the balance sheet.

MBIA's liabilities exceed its assets on the balance sheet. Large share buybacks can cause this in healthy companies, but so can accumulated losses; either way, debt-based ratios need care.

Earnings slid into a loss. Loss per share this year after a profit last year.

MBIA made a loss per share in its latest year after a profit the year before.

Not profitable yet. Reported a loss in the 12 months to June 2026.

MBIA reported a net loss over the last twelve months, so earnings-based measures can't show it as cheap.

Revenue is falling. Revenue fell 8.7% in the 12 months to June 2026 vs the 12 months before.

MBIA's revenue fell 8.7% in the 12 months to June 2026 vs the 12 months before.

Questions investors ask about MBIA

Is MBIA getting weaker?

Its latest SEC filing (Aug 6, 2026) showed no major changes.

How is MBIA valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 0/100 against 950 banks & insurance peers. Book yield -1029.2% vs a peer median of 79.5% (weaker than 100% of peers).Book yield -1029.2% vs peers 79.5% (weaker than 100% of peers).

Is MBIA growing?

More slowly than most of its peers. Growth scores 10/100 against 950 banks & insurance peers.

How profitable is MBIA?

Insufficient data: 1 of 2 inputs reported (at least 2 needed).

How risky is MBIA?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

90.0M USD

94.0M USD

+4.4%

Net income (12 months)

−155.0M USD

−144.0M USD

−7.1%

Cash

72.0M USD

117.0M USD

+62.5%

Shares outstanding

50.9M

51.0M

+0.2%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

-235.4%

-126.6%

6814.3%

1035.7%

-221.3%

▼ >999 pts

Return on assets (ROA)

-9.5%

-5.8%

18.3%

20.1%

-8.8%

▼ 29 pts

Return on equity (ROE)

—