GoAI
Get started
MBIA Inc. logo

MBIA Inc.

MBI

NYSEFinancial ServicesInsurance - Specialty

Open in GoAI

Previous close

$4.90

+$0.08 · +1.66%

Aug 21, 4:00 PM ET

MBI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

57

Fair Value

Momentum

42

Neutral

Sentiment

54

Mixed

Risk resilience

50

Elevated Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

MBIA Inc. focuses on providing insurance services that guarantee financial obligations, predominantly within the public finance arena. The company operates through two main divisions: one dedicated to U.S. Public Finance Insurance, and another covering International and Structured Finance Insurance. For its U.S. operations, MBIA offers guarantees for municipal bonds, encompassing both tax-exempt and taxable debt. These instruments are issued by various U.S. governmental bodies and territories, as well as by entities such as public utilities, airports, healthcare providers, higher education institutions, student loan programs, and housing authorities. Furthermore, the company extends coverage to certain private sector obligations. In the international and structured finance sector, MBIA insures non-U.S. public finance instruments and global structured financial products, including asset-backed securities. This segment also provides coverage for sovereign and sub-sovereign bonds, alongside privately issued bonds that finance substantial infrastructure projects such as toll roads, bridges, airports, and public transportation networks. Additionally, MBIA offers reinsurance services to other parties. MBIA Inc. was founded in 1973 and maintains its principal office in Purchase, New York.

Industry
Insurance - Specialty
Sector
Financial Services
Headquarters
US
CEO
William Charles Fallon
Listed since
Jul 1, 1987
Employees
57

Market position

Day range

Current $4.90

52-week range

Current $4.90

Open
$4.81
Previous close
$4.82
Volume
474.45K
1.21× average
Average volume
391.89K
Average daily volume
Market cap
249.58M USD
Beta
1.34
Market reference 1
50-day average
$5.8478
-16.21% below average
200-day average
$6.3513
-22.85% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
3.63B USD
EV / EBITDA
226.8×
Earnings yield
-50.17%
Free cash flow yield
10.77%

Profitability & efficiency

Return on equity
7.91%
Return on assets
-8.79%
Return on invested capital
-13.05%

Financial health

Current ratio
2.69×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends773%-2038%-4849%-7660%Gross margin, FY2021: -123.90%Gross margin, FY2022: 70.13%Gross margin, FY2023: -2500.00%Gross margin, FY2024: -347.62%Gross margin, FY2025: 15.00%Operating margin, FY2021: -279.87%Operating margin, FY2022: -96.10%Operating margin, FY2023: -6914.29%Operating margin, FY2024: -1050.00%Operating margin, FY2025: -226.25%Net margin, FY2021: -279.87%Net margin, FY2022: -131.82%Net margin, FY2023: -6957.14%Net margin, FY2024: -1057.14%Net margin, FY2025: -221.25%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 -123.90%. Gross margin FY2022 70.13%. Gross margin FY2023 -2500.00%. Gross margin FY2024 -347.62%. Gross margin FY2025 15.00%. Operating margin FY2021 -279.87%. Operating margin FY2022 -96.10%. Operating margin FY2023 -6914.29%. Operating margin FY2024 -1050.00%. Operating margin FY2025 -226.25%. Net margin FY2021 -279.87%. Net margin FY2022 -131.82%. Net margin FY2023 -6957.14%. Net margin FY2024 -1057.14%. Net margin FY2025 -221.25%.

Income trends

Revenue

80M USD+90.48%

Operating income

−181M USD+58.96%

Net income

−177M USD+60.14%
Income trends across reported periods223.6M USD−34.8M USD−293.2M USD−551.6M USDRevenue, FY2021: 159M USDRevenue, FY2022: 154M USDRevenue, FY2023: 7M USDRevenue, FY2024: 42M USDRevenue, FY2025: 80M USDOperating income, FY2021: −445M USDOperating income, FY2022: −148M USDOperating income, FY2023: −484M USDOperating income, FY2024: −441M USDOperating income, FY2025: −181M USDNet income, FY2021: −445M USDNet income, FY2022: −203M USDNet income, FY2023: −487M USDNet income, FY2024: −444M USDNet income, FY2025: −177M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 159M USD. Revenue FY2022 154M USD. Revenue FY2023 7M USD. Revenue FY2024 42M USD. Revenue FY2025 80M USD. Operating income FY2021 −445M USD. Operating income FY2022 −148M USD. Operating income FY2023 −484M USD. Operating income FY2024 −441M USD. Operating income FY2025 −181M USD. Net income FY2021 −445M USD. Net income FY2022 −203M USD. Net income FY2023 −487M USD. Net income FY2024 −444M USD. Net income FY2025 −177M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue80M USD42M USD7M USD154M USD159M USD
Cost of goods sold68M USD188M USD182M USD46M USD356M USD
Gross profit12M USD−146M USD−175M USD108M USD−197M USD
Operating expenses193M USD295M USD309M USD256M USD248M USD
Interest expense197M USD209M USD211M USD180M USD181M USD
Operating income−181M USD−441M USD−484M USD−148M USD−445M USD
Net income−177M USD−444M USD−487M USD−203M USD−445M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
9%
1 beat, 10 misses, 0 met estimates
Average EPS surprise
-427.90%
11 comparable reports
Latest EPS result
-0.14
Estimate -0.13 · Miss by 12.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates-0.03-0.19-0.36-0.52Q1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual -0.48, estimate -0.31, surprise -54.84%, Miss. Q2 2025, reported May 8, 2025: actual -0.16, estimate -0.07, surprise -128.57%, Miss. Q3 2025, reported Aug 6, 2025: actual -0.17, estimate -0.08, surprise -112.50%, Miss. Q4 2025, reported Nov 4, 2025: actual -0.15, estimate -0.03, surprise -400.00%, Miss. Q1 2026, reported Feb 26, 2026: actual -0.24, estimate -0.1, surprise -140.00%, Miss. Q2 2026, reported May 7, 2026: actual -0.16, estimate -0.11, surprise -45.45%, Miss. Q3 2026, reported Aug 6, 2026: actual -0.14, estimate -0.125, surprise -12.00%, Miss. Q4 2026, reported Nov 3, 2026: actual —, estimate -0.105, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates30.54M21.96M13.38M4.8MQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 10M USD, estimate 28.7M USD, surprise -65.16%, Miss. Q2 2025, reported May 8, 2025: actual 14M USD, estimate 27.95M USD, surprise -49.91%, Miss. Q3 2025, reported Aug 6, 2025: actual 23M USD, estimate 21M USD, surprise +9.52%, Beat. Q4 2025, reported Nov 4, 2025: actual 15M USD, estimate 26.5M USD, surprise -43.40%, Miss. Q1 2026, reported Feb 26, 2026: actual 8M USD, estimate 5.9M USD, surprise +35.59%, Beat. Q2 2026, reported May 7, 2026: actual 6M USD, estimate 5.8M USD, surprise +3.45%, Beat. Q3 2026, reported Aug 6, 2026: actual 7M USD, estimate 5.75M USD, surprise +21.74%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 5.65M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$14.00

185.71% upside
Past 12 months12-month forecastHigh $14.00Average $14.00Low $14.00

Corporate actions

Corporate action history

Stock split

Effective Apr 23, 2001

3:2

Stock split

Effective Oct 30, 1997

2:1

MBI peers

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$495.82

-0.21%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

Continue in GoAI

Research MBI

research.disclaimer