MBIA Inc. Common Stock (MBI)

FairStock Score: 25/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the business: MBIA is a small financial guarantor of U.S. public finance debt. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported revenue of $27.0M and a net loss of $43.0M, or diluted EPS of -$0.91. Fiscal Q1 2026, ended 2026-03-31, showed revenue of $24.0M and a net loss of $40.0M, or -$0.80. For FY2025, ended 2025-12-31, revenue was $80.0M and net loss was $177.0M, or -$3.58 per diluted share. Yes, FY2023 and FY2024 had net income of $477.0M and $435.0M, but the filed diluted EPS in those years was negative, which is a red flag on earnings quality. The market cap is $229.6M at $4.50 per share as of 2026-10-13. FairStock gives a P/E of -1.58, no P/B, no ROE, ROCE of 1.25%, a Piotroski F-Score of 3/9, and a FairStock Score of 25/100. The Lynch category is TURNAROUND, based on a loss in the latest year after earlier profits. A moat is not visible; credit-risk underwriting in guarantees is the whole game, and losses are eroding value. I want CET1, NIM, combined ratio, D/E, and book value, but they are not in the data. Price near the 52-week low of $4.19 might look cheap, but with negative earnings and no reliable book value, cheapness is unproven. The margin of safety is missing.

In plain English: MBIA sells guarantees on municipal bonds and public finance debt. The business looks weak: it has lost money in recent quarters and in fiscal 2025, and revenue has been uneven. At $4.50 a share, the price may look low, but the numbers do not clearly show that it is cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer