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MBI 
MBIA Inc (MBI)
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Upturn Advisory Summary
11/05/2025: MBI (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $7.5
1 Year Target Price $7.5
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 178.78% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 374.12M USD | Price to earnings Ratio - | 1Y Target Price 7.5 |
Price to earnings Ratio - | 1Y Target Price 7.5 | ||
Volume (30-day avg) 2 | Beta 1.58 | 52 Weeks Range 3.86 - 8.26 | Updated Date 11/5/2025 |
52 Weeks Range 3.86 - 8.26 | Updated Date 11/5/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -4.51 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-04 | When - | Estimate -0.03 | Actual 1.03 |
Profitability
Profit Margin -208.33% | Operating Margin (TTM) 6.25% |
Management Effectiveness
Return on Assets (TTM) -0.31% | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE 86.96 | Enterprise Value 3499043372 | Price to Sales(TTM) 3.46 |
Enterprise Value 3499043372 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 33.97 | Enterprise Value to EBITDA - | Shares Outstanding 50488741 | Shares Floating 43900465 |
Shares Outstanding 50488741 | Shares Floating 43900465 | ||
Percent Insiders 10.43 | Percent Institutions 46.62 |
Upturn AI SWOT
MBIA Inc
Company Overview
History and Background
MBIA Inc. was founded in 1974 as Municipal Bond Insurance Association. It initially focused on insuring municipal bonds and later expanded into other areas of financial guarantees. It faced significant challenges during the 2008 financial crisis due to exposure to subprime mortgages and related securities. The company has since restructured and refocused its business.
Core Business Areas
- Public Finance Insurance: MBIA provides financial guarantee insurance for municipal bonds and other public finance obligations. This helps issuers obtain lower borrowing costs by improving their credit ratings.
- Structured Finance Insurance: MBIA provides financial guarantee insurance for structured finance transactions, including asset-backed securities and other types of debt obligations. This segment is significantly smaller after the 2008 financial crisis.
- RMBS Servicing: MBIA manages Residential Mortgage Backed Securities, and has been seeking recovery of losses through litigation.
Leadership and Structure
MBIA's leadership team consists of the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and other key executives. The company is structured into business segments focused on public finance and legacy assets. As of 2024, the CEO is Claude LeBlanc.
Top Products and Market Share
Key Offerings
- Municipal Bond Insurance: MBIA provides insurance that guarantees the timely payment of principal and interest on municipal bonds. Market share information varies depending on the specific segment and year, but MBIA is a major player in this market, especially focused on higher quality credits. Competitors include Assured Guaranty (AGO).
- Structured Finance Guarantees (Legacy): MBIA no longer actively issues new structured finance guarantees but continues to manage its legacy portfolio of such guarantees. It derives revenue from premiums and recoveries related to these guarantees. Competitors previously included companies like Ambac Financial Group (AMBC), now a much smaller player.
Market Dynamics
Industry Overview
The financial guarantee insurance industry is influenced by interest rates, credit spreads, and the overall health of the municipal bond and structured finance markets. Demand for insurance is higher when market uncertainty is elevated.
Positioning
MBIA Inc. is positioned as a financial guarantor providing credit enhancement for municipal bonds, with a focus on high-quality credits. It is working to resolve legacy issues from pre-2008 crisis. Its competitive advantage lies in its experience and established reputation in the municipal bond market.
Total Addressable Market (TAM)
The total addressable market for municipal bond insurance is estimated at several billion dollars annually, depending on issuance volume and insurance penetration rates. MBIA's position depends on its capacity and credit ratings.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Established reputation in the municipal bond market
- Focus on high-quality credits
- Significant tax assets
Weaknesses
- Legacy exposures to troubled assets
- Relatively small size compared to peers like AGO
- Ongoing litigation and claims
- Dependence on municipal bond issuance volume
Opportunities
- Increased demand for credit enhancement in a rising interest rate environment
- Resolution of legacy litigation and claims
- Expansion into new areas of public finance
- Capitalizing on infrastructure spending initiatives
Threats
- Increased competition from other financial guarantors
- Deterioration of credit quality in the municipal bond market
- Adverse legal rulings
- Changes in regulations affecting the financial guarantee industry
Competitors and Market Share
Key Competitors
- AGO
- BOND
Competitive Landscape
MBIA's advantage lies in its experience in municipal insurance, but AGO has surpassed MBI in market share. AGO is more diversified and has a stronger claims paying rating. BOND is smaller but focused on certain segments.
Growth Trajectory and Initiatives
Historical Growth: MBIA's historical growth has been uneven due to the 2008 financial crisis and its aftermath. It has been primarily focused on managing legacy assets and building a more sustainable municipal bond insurance business.
Future Projections: Future growth depends on MBIA's ability to grow its municipal bond insurance business and successfully resolve legacy claims. Analyst projections vary depending on assumptions about interest rates and the municipal bond market.
Recent Initiatives: Recent initiatives include focusing on high-quality municipal bond insurance, managing legacy claims, and optimizing its capital structure.
Summary
MBIA is a financial guarantor primarily focused on municipal bond insurance. The company has recovered from the 2008 crisis and restructured. Legacy issues remain a drag on earnings. Management focuses on high-quality municipal bond insurance. Competition from AGO, BOND is high, and adverse legal rulings pose risk.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Press Releases, Analyst Reports, Market Data Providers
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be based on individual circumstances and consultation with a financial advisor. Market share figures are estimates and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MBIA Inc
Exchange NYSE | Headquaters Purchase, NY, United States | ||
IPO Launch date 1987-07-01 | CEO & Director Mr. William Charles Fallon | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 57 | Website https://www.mbia.com |
Full time employees 57 | Website https://www.mbia.com | ||
MBIA Inc., together with its subsidiaries, provides financial guarantee insurance services to public finance markets in the United States. It operates through United States (U.S.) Public Finance Insurance, corporate, and International and Structured Finance Insurance segments. The company issues financial guarantees for municipal bonds, including tax-exempt and taxable indebtedness of the U.S. political subdivisions, as well as utility districts, airports, health care institutions, higher educational facilities, housing authorities, and other similar agencies and obligations issued by private entities. It also insures the non-U.S. public finance and global structured finance, including asset-backed obligations; and sovereign-related and sub-sovereign bonds, and privately issued bonds used for the financing for utilities, toll roads, bridges, public transportation facilities, and other types of infrastructure projects, as well as offers third-party reinsurance services. MBIA Inc. was founded in 1973 and is headquartered in Purchase, New York.
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