📊 MBI Key Takeaways
Is Mbia Inc. (MBI) a Good Investment?
MBIA exhibits terminal financial distress with negative stockholders equity of -$2.3B, indicating technical insolvency. The company burns $33M annually in operating cash flow while maintaining $2.8B in debt, creating an unsustainable capital structure. Despite 90.5% revenue growth, the company operates at -170.8% operating margin, losing $1.70 per dollar of revenue.
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 Mbia Inc. Stock? MBI Key Strengths
- Revenue growing 90.5% year-over-year showing market demand recovery
- Net loss improving 2.2% YoY with 62% EPS improvement indicating trajectory correction
- Maintains $72M cash position providing short-term operational 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 Stock Risks: Mbia Inc. Investment Risks
- Negative stockholders equity of -$2.3B: company is technically insolvent
- Negative operating cash flow of -$33M annually with 2.2-year cash runway at current burn rate
- Negative interest coverage of -0.9x: cannot service $2.8B debt from operations
- Liabilities of $4.3B exceed assets of $2.0B by $2.3B
- Severely negative operating margins of -170.8% unsustainable long-term
- 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
- Path to positive stockholders equity and debt restructuring progress
- Operating cash flow inflection point and margin expansion trajectory
- Debt refinancing capacity given capital structure constraints
- Quarterly cash burn rate and runway depletion
- Revenue sustainability in current premium environment
- Sustained operating income improvement and net margin recovery
- Liquidity and capital structure, especially cash balance, debt reduction, and stockholders' equity trend
Mbia Inc. (MBI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
MBI Profit Margin, ROE & Profitability Analysis
MBI vs Finance Sector: How Mbia Inc. Compares
How Mbia Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Mbia Inc. Stock Overvalued? MBI Valuation Analysis 2026
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.
Mbia Inc. Balance Sheet: MBI Debt, Cash & Liquidity
MBI Revenue & Earnings Growth: 5-Year Financial Trend
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 Revenue Growth, EPS Growth & YoY Performance
MBI Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $14.0M | -$40.0M | $-0.80 |
| 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 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Mbia Inc. Dividends, Buybacks & Capital Allocation
MBI SEC Filings: Latest 10-K & 10-Q 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 94% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are MBI's key strengths?
Claude: Revenue growing 90.5% year-over-year showing market demand recovery. Net loss improving 2.2% YoY with 62% EPS improvement indicating trajectory correction. 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 -$2.3B: company is technically insolvent. Negative operating cash flow of -$33M annually with 2.2-year cash runway at current burn rate. 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 $24.0M.
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 $-0.80.
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 May 2026, Mbia Inc. has a STRONG SELL rating with 94% 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 -166.7% (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 $-33.0M, with capital expenditures of $0.0. FCF margin is -137.5%.
How does MBI compare to other Finance stocks?
Vs Finance sector averages: Net margin -166.7% (avg: 25%), ROE N/A (avg: 12%), current ratio N/A (avg: 1.2).