📊 MBI Key Takeaways
Is MBI a Good Investment? Thesis Analysis
MBIA faces severe financial distress with negative stockholders' equity of -$2.2B, indicating liabilities exceed assets by a substantial margin. The company's operating margin of -226.3% and net margin of -221.2% demonstrate fundamental unprofitability, with losses of $177M on just $80M in revenue. Despite modest positive free cash flow, the negative interest coverage ratio of -0.9x and deteriorating balance sheet structure suggest insolvency risk.
MBIA’s fundamentals remain severely impaired despite a sharp revenue rebound, as the company is still generating very large operating and net losses with deeply negative margins. The balance sheet is the main concern: liabilities materially exceed assets, equity is deeply negative, leverage is heavy, and interest coverage is negative, which outweighs the benefit of positive operating cash flow.
Why Buy MBI? Key Strengths
- Revenue growth of 90.5% year-over-year shows operational activity expansion
- Positive operating cash flow of $38M and free cash flow of $47.5% margin indicate some cash generation
- Cash position of $71M provides limited near-term liquidity buffer
- Revenue grew 90.5% year over year, indicating some top-line recovery
- Operating cash flow and free cash flow were positive at $38.0M
- Asset base remains meaningful at $2.01B, which provides some operating support
MBI Investment Risks to Consider
- Negative stockholders' equity of -$2.2B indicates technical insolvency with liabilities exceeding assets
- Operating losses of $181M and net losses of $177M on $80M revenue show structural unprofitability
- Liabilities of $4.2B with only $2.0B in assets and $2.8B long-term debt create severe leverage crisis
- Negative interest coverage ratio of -0.9x means operating income cannot service debt obligations
- 14 insider Form 4 filings in 90 days may indicate distressed personnel activity
- Stockholders' equity is negative $2.24B, signaling severe balance-sheet weakness
- Net loss of $177.0M and operating margin of -226.3% show the core business remains unprofitable
- Long-term debt of $2.84B combined with negative interest coverage increases refinancing and solvency risk
Key Metrics to Watch
- Stockholders' equity trajectory and path to positive equity restoration
- Operating margin improvement toward profitability thresholds
- Debt refinancing capability and long-term debt reduction schedule
- Cash burn rate and adequacy of liquidity for ongoing operations
- Whether revenue growth can achieve sufficient scale for operating profitability
- Sustained operating income improvement and net margin recovery
- Liquidity and capital structure, especially cash balance, debt reduction, and stockholders' equity trend
MBI Financial Metrics
💡 AI Analyst Insight
The 47.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
MBI Profitability Ratios
MBI vs Finance Sector
How MBIA INC compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is MBI Overvalued or Undervalued?
Based on fundamental analysis, MBIA INC has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
MBI Balance Sheet & Liquidity
MBI 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: MBIA INC's revenue has declined by 72% over the 5-year period, indicating business contraction. The most recent EPS of $-10.18 indicates the company is currently unprofitable.
MBI Growth Metrics (YoY)
MBI Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $5.0M | -$8.0M | $-0.17 |
| Q2 2025 | -$37.0M | -$56.0M | $-1.12 |
| Q1 2025 | $13.0M | -$62.0M | $-1.28 |
| Q3 2024 | $5.0M | -$56.0M | $-1.18 |
| Q2 2024 | -$37.0M | -$74.0M | $-1.46 |
| Q1 2024 | $2.0M | -$86.0M | $-1.84 |
| Q3 2023 | $8.0M | -$34.0M | $-0.67 |
| Q2 2023 | $28.0M | -$36.0M | $-0.72 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
MBI Capital Allocation
MBI SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for MBIA INC (CIK: 0000814585)
📋 Recent SEC Filings
❓ Frequently Asked Questions about MBI
What is the AI rating for MBI?
MBIA INC (MBI) has a Combined AI Rating of STRONG SELL from Claude (STRONG SELL) and ChatGPT (STRONG SELL) with 92% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are MBI's key strengths?
Claude: Revenue growth of 90.5% year-over-year shows operational activity expansion. Positive operating cash flow of $38M and free cash flow of $47.5% margin indicate some cash generation. ChatGPT: Revenue grew 90.5% year over year, indicating some top-line recovery. Operating cash flow and free cash flow were positive at $38.0M.
What are the risks of investing in MBI?
Claude: Negative stockholders' equity of -$2.2B indicates technical insolvency with liabilities exceeding assets. Operating losses of $181M and net losses of $177M on $80M revenue show structural unprofitability. ChatGPT: Stockholders' equity is negative $2.24B, signaling severe balance-sheet weakness. Net loss of $177.0M and operating margin of -226.3% show the core business remains unprofitable.
What is MBI's revenue and growth?
MBIA INC reported revenue of $80.0M.
Does MBI pay dividends?
MBIA INC does not currently pay dividends.
Where can I find MBI SEC filings?
Official SEC filings for MBIA INC (CIK: 0000814585) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is MBI's EPS?
MBIA INC has a diluted EPS of $-3.58.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is MBI a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, MBIA INC has a STRONG SELL rating with 92% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is MBI stock overvalued or undervalued?
Valuation metrics for MBI: ROE of N/A (sector avg: 12%), net margin of -221.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy MBI stock in 2026?
Our dual AI analysis gives MBIA INC a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is MBI's free cash flow?
MBIA INC's operating cash flow is $38.0M, with capital expenditures of $0.0. FCF margin is 47.5%.
How does MBI compare to other Finance stocks?
Vs Finance sector averages: Net margin -221.3% (avg: 25%), ROE N/A (avg: 12%), current ratio N/A (avg: 1.2).