MBIA Inc. (MBI) AI Stock Analysis

MBIA Inc., established in 1973 and based in Purchase, New York, provides financial guarantee insurance services primarily catering to public finance markets. It operates across two main segments: U.S. Public Finance Insurance, and International and Structured Finance Insurance. The company guarantees municipal bonds, including tax-exempt and taxable debt issued by U.S. political subdivisions, utilities, airports, healthcare institutions, and housing authorities. Internationally, it insures non-U.S. public finance and global structured finance, covering sub-sovereign bonds, utilities, and infrastructure projects like toll roads, bridges, and public transportation facilities.

MBIA's annual revenue experienced notable volatility, shifting from $159.0M in FY2021 to $154.0M in FY2022, before dropping to $7.0M in FY2023. Revenue recovered to $42.0M in FY2024 and reached $80.0M in FY2025, reflecting a 5-year revenue CAGR of -22.3%. The company posted net losses in four of the last five years, including -$445.0M in FY2021 and -$177.0M in FY2025, though FY2025 EPS turned positive to $0.46. For the trailing twelve months ending June 30, 2026, revenue stood at $88.0M with a profit margin of -164.8% and EPS of -$2.84, while latest quarterly revenue fell 25.0% year-over-year.

As of June 30, 2026, MBIA held $1.16B in cash and short-term investments against total debt of $2.92B, resulting in net debt of $1.76B. The company exhibits negative shareholders' equity of -$2.33B against total assets of $1.98B, while maintaining a current ratio of 7.95. Free cash flow stood at $38.0M in FY2025, an improvement from -$176.0M in FY2024. In FY2025, cash deployment included $7.0M allocated toward share buybacks, and the company's 5-year share count change was 1.2%.

MBI trades at a forward P/E of 87.0x, significantly above the 10.8x median of its US-listed Financial Services peers. Its price-to-sales multiple is 2.6x, compared to the peer median of 3.2x, while enterprise value to revenue stands at 37.3x. The stock closed at $4.41 on October 16, 2026, trading 23.9% below its 200-day average and close to its 52-week low of $4.19. Over the past 1-year period, MBI shares declined 33.7%, trailing the S&P 500 (SPY) return of 16.8%. Over five years, the stock returned -24.5% compared to 83.0% for the S&P 500.

MBIA carries analyst coverage consisting of 1 Buy, 1 Hold, and 0 Sell ratings. The mean price target is $7.00, representing a 58.7% upside relative to the last close of $4.41. For the current fiscal year ending December 31, 2026, consensus expectations project an EPS of -$0.49 on revenue of $109.1M. For the next fiscal year, 2 analysts project an EPS of -$0.45 and revenue of $96.1M, representing an 11.9% revenue decline. MBIA beat EPS estimates in 1 of the last 4 quarters, with its next earnings report scheduled for November 4, 2026.

This page is an AI-written research summary of MBIA Inc. (MBI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: MBI income statement, MBI balance sheet, MBI key metrics, MBI analyst forecast, MBI chart. See the MBI stock overview for the latest quote and news.