Stocks · Financial Services · Insurance - Specialty
MBIA Inc. MBI
$4.47 +1.59% Close, Oct 5, 2026 · NYSE · Market cap $224.1M
Weak trendHigh risk
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to -156.4% from -212.6% a year earlier.
- Net debt is 59.6× EBITDA, a high level of leverage.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth1Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 13%
- Revenue growth, 3-year CAGRBottom 1%
- Revenue growth accelerationBottom 1%
Quality10Very weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 4%
- Gross marginBottom 10%
- Operating marginBottom 3%
- Accruals (lower is better)Top 10%
- Net debt / EBITDA (lower is better)Bottom 2%
- Interest coverBottom 8%
Value26Very weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 3%
- Free-cash-flow yieldTop 15%
- EBITDA / enterprise valueBottom 28%
- Sales / enterprise valueBottom 4%
Momentum3Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 6%
- 6-month returnBottom 4%
- 1-year return vs S&P 500Bottom 7%
- Distance from 52-week highBottom 9%
- Trend checklist (0–4)Bottom 9%
Revisions37Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 3%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetTop 1%
Stability10Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 24%
- Maximum drawdown, 3 yearsBottom 5%
- Beta vs S&P 500 (lower is better)Top 47%
- Net debt / EBITDA (lower is better)Bottom 2%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 109.3% | -8.7% | ↓ |
| Gross margin | 57.3% | 29.8% | ↓ |
| Operating margin | -212.6% | -156.4% | ↑ |
| FCF margin | -172.8% | 45.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -8.7% | 109.3% | ↓ | Bottom 13% |
| Gross margin | 29.8% | 57.3% | ↓ | Bottom 10% |
| Operating margin | -156.4% | -212.6% | ↑ | Bottom 3% |
| Net margin | -154.3% | -215.5% | ↑ | — |
| Free-cash-flow margin | 45.7% | -172.8% | ↑ | — |
| Return on invested capital | -12.9% | — | Bottom 4% | |
| Revenue growth, 3-year CAGR | -19.6% | — | Bottom 1% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -9.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -38.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 59.57×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.45%
- Shareholder yield
- 0.45%
- Share count change, 1 year
- +1.3%
- Share count change, 3-year CAGR
- +0.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 1 of 8
- Average EPS surprise, last 4
- -100.0%
- Average 2-day reaction, last 8
- +1.4%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $14.00
- Target vs current price
- +213.2%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | -12.0% | -0.6% | -6.2% | -10.4% | — |
| May 7, 2026 | -45.5% | +4.8% | +0.0% | -6.2% | -14.3% |
| Feb 26, 2026 | -140.0% | +0.3% | +8.9% | -8.4% | -0.3% |
| Nov 4, 2025 | -400.0% | +0.1% | +11.5% | +6.5% | -5.5% |
| Aug 6, 2025 | -112.5% | -2.2% | -5.8% | +17.6% | -1.8% |
| May 8, 2025 | -128.6% | +4.5% | -5.4% | -5.2% | +18.8% |
| Feb 27, 2025 | -54.8% | -2.8% | -23.8% | -29.5% | -41.4% |
| Nov 8, 2024 | +98.4% | +6.7% | +42.0% | +60.1% | +62.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | -$0.14 | -$0.13 | -12.0% | $7.0M |
| May 7, 2026 | -$0.16 | -$0.11 | -45.5% | $6.0M |
| Feb 26, 2026 | -$0.24 | -$0.10 | -140.0% | $8.0M |
| Nov 4, 2025 | -$0.15 | -$0.03 | -400.0% | $15.0M |
| Aug 6, 2025 | -$0.17 | -$0.08 | -112.5% | $23.0M |
| May 8, 2025 | -$0.16 | -$0.07 | -128.6% | $14.0M |
| Feb 27, 2025 | -$0.48 | -$0.31 | -54.8% | $10.0M |
| Nov 8, 2024 | -$0.01 | -$0.33 | +98.4% | $9.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| EV / EBITDA | 64.3× | — | — | Bottom 28% |
| EV / Sales | 32.17× | — | — | Bottom 4% |
| Free-cash-flow yield | 19.19% | — | — | Top 15% |
| Earnings yield | -64.88% | — | — | Bottom 3% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -13.8%
- 200-day average slope (20 days)
- -4.9%
- Distance from 50-day average
- -7.1%
- Distance from 200-day average
- -24.4%
- RSI (14)
- 43.8
- Relative volume
- 0.69×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 32.5%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.67
- Correlation with S&P 500
- 0.19
- Current drawdown from 1-year high
- -42.1%
- Maximum drawdown, 3 years
- -76.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 12, 2022 | Sep 9, 2024 | -80.2% | 666 days | Not yet recovered |
| Oct 28, 2021 | Dec 13, 2021 | -29.8% | 31 days | 20 days (Jan 11, 2022) |
| Jul 26, 2021 | Sep 10, 2021 | -21.3% | 33 days | 25 days (Oct 15, 2021) |
| Jan 12, 2021 | Feb 1, 2021 | -20.9% | 13 days | 19 days (Mar 1, 2021) |
| Mar 10, 2021 | May 11, 2021 | -18.2% | 43 days | 31 days (Jun 24, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $224.1M
- EPS, diluted (TTM)
- -$2.90
- Revenue (TTM)
- $94.0M
- 52-week range
- $4.19 – $7.87
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $159.0M | $154.0M | $7.0M | $42.0M | $80.0M |
| Gross profit | -$197.0M | $108.0M | -$175.0M | -$146.0M | $12.0M |
| Operating income | -$445.0M | -$148.0M | -$484.0M | -$441.0M | -$181.0M |
| Net income | -$445.0M | -$203.0M | -$487.0M | -$444.0M | -$177.0M |
| EPS (diluted) | -$8.99 | -$3.92 | -$10.19 | -$9.42 | -$3.59 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $29.0M | $37.0M | $14.0M | $23.0M | $15.0M | $28.0M | $24.0M | $27.0M |
| Net income | -$56.0M | -$48.0M | -$62.0M | -$56.0M | -$8.0M | -$51.0M | -$40.0M | -$46.0M |
| EPS (diluted) | -$1.17 | -$1.00 | -$1.28 | -$1.13 | -$0.16 | -$1.02 | -$0.80 | -$0.92 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $511.0M | -$418.0M | -$195.0M | -$176.0M | $38.0M |
| Capital expenditure | -$1.0M | $0 | $0 | $0 | $0 |
| Free cash flow | $510.0M | -$418.0M | -$195.0M | -$176.0M | $38.0M |
| Dividends paid | -$60.0M | $0 | $0 | $0 | $0 |
| Net share buybacks | -$1.0M | -$3.0M | -$38.0M | -$4.0M | -$7.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.16B
- Total assets
- $1.98B
- Total liabilities
- $4.30B
- Total debt
- $2.92B
- Net debt
- $2.80B
- Shareholders’ equity
- -$2.33B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Dec 15, 2023 | $8.00 | Dec 22, 2023 |
| Dec 19, 2007 | $0.34 | Jan 15, 2008 |
| Sep 19, 2007 | $0.34 | Oct 15, 2007 |
| Jun 20, 2007 | $0.34 | Jul 16, 2007 |
| Mar 21, 2007 | $0.34 | Apr 16, 2007 |
| Dec 20, 2006 | $0.31 | Jan 16, 2007 |
| Sep 20, 2006 | $0.31 | Oct 16, 2006 |
| Jun 21, 2006 | $0.31 | Jul 17, 2006 |
Short interest
- Shares sold short
- 2,841,227
- Days to cover
- 7.13
- Change vs previous report
- +1.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 23, 2001
- 3-for-2
- Oct 30, 1997
- 2-for-1