Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
MBI 
MBIA Inc (MBI)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: MBI (3-star) is a SELL. SELL since 1 days. Simulated Profits (45.80%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
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 201.17% | Avg. Invested days 44 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 350.39M 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 1.66 | 52 Weeks Range 3.28 - 8.26 | Updated Date 09/17/2025 |
52 Weeks Range 3.28 - 8.26 | Updated Date 09/17/2025 | ||
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 - | When - | Estimate - | Actual - |
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 3493994498 | Price to Sales(TTM) 3.24 |
Enterprise Value 3493994498 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 33.92 | Enterprise Value to EBITDA - | Shares Outstanding 50488741 | Shares Floating 43900465 |
Shares Outstanding 50488741 | Shares Floating 43900465 | ||
Percent Insiders 10.43 | Percent Institutions 46.4 |
Upturn AI SWOT
MBIA Inc
Company Overview
History and Background
MBIA Inc., founded in 1974, is a financial guarantee company. Initially focused on insuring municipal bonds, it expanded to structured finance. The 2008 financial crisis severely impacted MBIA due to its exposure to subprime mortgages, leading to restructuring and litigation.
Core Business Areas
- Public Finance Insurance: Insurance policies guaranteeing the timely payment of principal and interest on municipal bonds and other public finance obligations.
- Structured Finance Insurance: Insurance policies guaranteeing structured finance securities, including residential mortgage-backed securities (RMBS), commercial mortgage-backed securities (CMBS), and asset-backed securities (ABS).
- Legacy Portfolio: Management of the remaining insured portfolio from pre-financial crisis policies, primarily focused on loss mitigation and claims management.
Leadership and Structure
MBIA Inc. is led by a board of directors and an executive management team. Its organizational structure is divided into segments focusing on insurance operations, risk management, and legal affairs.
Top Products and Market Share
Key Offerings
- Municipal Bond Insurance: MBIA provides insurance that guarantees the payment of principal and interest on municipal bonds. While market share fluctuates, MBIA is a major player in the municipal bond insurance market. Competitors include Assured Guaranty (AGO) and Build America Mutual (BAM). Due to a reduced market for Monoline insurers, detailed market share information is not easily and consistently available.
- Structured Credit Insurance (Legacy): Historically, MBIA insured a wide range of structured credit products. This segment is now largely legacy and is being managed down. Competitors, such as they are, include other companies with legacy portfolios like FGIC.
Market Dynamics
Industry Overview
The financial guarantee industry has consolidated significantly since the 2008 financial crisis. Demand for municipal bond insurance has fluctuated, affected by factors like interest rates, credit spreads, and investor risk appetite. Structured finance insurance has largely been replaced by other forms of risk transfer.
Positioning
MBIA is positioned as a legacy player primarily focused on municipal bond insurance and managing down its legacy exposures. Its competitive advantage lies in its existing capital base and brand recognition, albeit diminished. It's moving into specialty insurance and advisory services.
Total Addressable Market (TAM)
The TAM for municipal bond insurance is influenced by the overall municipal bond issuance market, which can reach hundreds of billions of dollars annually. MBIA's position is a percentage of this TAM. Specialty Insurance TAM is harder to define, but expected to be in the billions.
Upturn SWOT Analysis
Strengths
- Significant capital base
- Experienced management team
- Established brand recognition (though somewhat tarnished)
- Legacy expertise in managing complex insurance exposures
- Cleaned up balance sheet after years of lawsuits and settlements
Weaknesses
- Tarnished reputation from the financial crisis
- Exposure to legacy liabilities
- Limited growth prospects in core insurance business
- Dependent on regulatory approvals for capital management actions
- Smaller scale relative to other specialty insurers
Opportunities
- Growth through new insurance products and services (specialty insurance)
- Strategic acquisitions of complementary businesses
- Capital management initiatives (e.g., share repurchases, dividends)
- Leveraging existing expertise for advisory services
- Interest rate rises reduce liability of policies.
Threats
- Adverse claims experience on legacy policies
- Increased competition from other financial guarantee companies
- Changes in regulations affecting the insurance industry
- Economic downturn impacting municipal bond market
- Litigation risk related to legacy exposures
Competitors and Market Share
Key Competitors
- AGO
- BAM
Competitive Landscape
MBIA faces significant competition from other financial guarantee companies, particularly Assured Guaranty (AGO) and Build America Mutual (BAM). AGO has a stronger market position and a more diversified business model. BAM is a mutual insurer focused solely on municipal bonds.
Major Acquisitions
Cutwater Asset Management (acquired by BNY Mellon but MBIA retained investment exposure)
- Year: 2014
- Acquisition Price (USD millions):
- Strategic Rationale: Initially the investment arm of MBIA, ownership was transferred to BNY Mellon in a transaction that allowed MBIA to retain exposure to Cutwater's investment strategies.
Growth Trajectory and Initiatives
Historical Growth: MBIA's historical growth has been negative due to the financial crisis and subsequent restructuring.
Future Projections: Future growth is expected to come from new insurance products, strategic acquisitions, and capital management initiatives. Analyst estimates vary widely.
Recent Initiatives: Recent initiatives include the development of specialty insurance products, the settlement of legacy claims, and the repurchase of shares.
Summary
MBIA Inc. is a turnaround story, recovering from the 2008 financial crisis with a focus on municipal bond insurance and managing down legacy exposures. While its past reputation poses challenges, its capital base and management expertise offer opportunities for growth through new insurance products and strategic acquisitions. Legacy liabilities remain a risk, and competition from other insurers persists. Its new strategy is to specialize in other areas of insurance and advisory services. Recent results suggest the company is succeeding in this regard.
Peer Comparison
Sources and Disclaimers
Data Sources:
- MBIA Inc. SEC Filings (10-K, 10-Q, 8-K)
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share estimates are based on available data and may not be precise.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.