US · MBI
MBIA Inc.
- Sector
- Financial Services · Insurance - Specialty
- Headquarters
- Purchase, NY 10577
- Website
- mbia.com
Price · as of 2025-12-31
$5.67
Market cap 330.73M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $74.71 | +1,217.64% |
| Intrinsic Value(DCF) | $2.66 | -53.09% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $4.19 | $61.28 | $0.00 | $0.00 | $1,843.60 |
| 2012 | $5.45 | $104.80 | $7.33 | $44.71 | |
| 2013 | $6.47 | $84.56 | $12.32 | $23.95 | $0.00 |
| 2014 | $4.09 | $42.76 | $16.50 | $36.00 | $53.51 |
| 2015 | $3.99 | $51.07 | $18.14 | $28.24 | $0.00 |
| 2016 | $4.04 | $22.16 | $18.11 | $11.56 | $140.26 |
| 2017 | $3.73 | $1.49 | $3.67 | $0.00 | $0.00 |
| 2018 | $4.48 | $30.21 | $3.62 | $0.00 | $166.59 |
| 2019 | $3.55 | $17.15 | $0.00 | $0.00 | $0.00 |
| 2020 | $4.33 | $8.46 | $0.00 | $0.00 | $0.00 |
| 2021 | $5.94 | $86.93 | $0.00 | $0.00 | $302.00 |
| 2022 | $4.76 | $75.81 | $0.00 | $0.00 | $0.00 |
| 2023 | $6.39 | $66.54 | $0.00 | $0.00 | $839.71 |
| 2024 | $5.28 | $48.75 | $1.76 | $0.00 | $0.00 |
| 2025 | $6.65 | $74.71 | $0.00 | $0.00 | $0.00 |
AI valuation
Our deep-learning model estimates MBIA Inc.'s (MBI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $74.71
- Current price
- $5.67
- AI upside
- +1,217.64%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$2.66
-53.09% upside
Graham-Dodd
—
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| MBI | MBIA Inc. | $5.67 | 330.73M | +1,218% | -53% | — | — | -1.85 | -0.15 | 4.10 | 128.73 | — | -0.15 | 15.00% | -226.25% | -221.25% | 8.18% | 40.50% | -8.47% | -1.27 | -0.92 | 7.16 | 7.16 | 173.38 | -6189.00% | 9048.00% | -12159.00% | 11.60% | 0.22 | -8.70% | 0.00% | 0.00% | 112.91% | -11.38 | 54.20 | 25.75 | -0.81 |
| AMBC | Ambac Financial Group, In… | $8.29 | 397.37M | +652% | -35% | — | +433% | -7.49 | 0.52 | 1.87 | -8.51 | -1.02 | 4.70 | 59.17% | -21.40% | -235.97% | -5.31% | -3.04% | -0.71% | 0.18 | -5.38 | 4.37 | 3.65 | -3.37 | 73529.00% | -1234.00% | -9962.00% | 0.17% | 0.00 | 0.05% | 0.00% | 0.00% | 763.73% | -5.14 | 340.71 | 1.10 | 0.28 |
| ATLC | Atlanticus Holdings Corpo… | $52.31 | 792.05M | +256% | +398% | -14% | +371% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| BWFG | Bankwell Financial Group,… | $46.70 | 367.88M | -50% | -25% | -38% | -75% | 23.27 | 0.84 | 1.16 | 3.60 | — | 0.85 | 32.90% | 6.81% | 4.99% | 3.64% | 7.74% | 0.30% | 0.59 | 0.12 | 0.12 | 0.12 | -7.84 | -7366.00% | 125.00% | -187.00% | 12.90% | 0.01 | 23.24% | 2.76% | 64.30% | 15.05% | 4.61 | 2.10 | 0.31 | -0.71 |
| JRVR | James River Group Holding… | $7.00 | 321.76M | +1,085% | -39% | — | +23% | -1.93 | 0.26 | 0.22 | 10.99 | — | 0.41 | 12.34% | -10.05% | -11.46% | -12.74% | 17.03% | -1.57% | 0.51 | -2.88 | — | — | 1.22 | -224.00% | -1285.00% | -40910.00% | -161.24% | — | 67.59% | 12.16% | -23.40% | 82.26% | 7.29 | 2.06 | -0.73 | 0.00 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| MVBF | MVB Financial Corp. | $27.00 | 343.49M | +393% | -7% | +36% | +105% | 12.72 | 1.03 | 1.27 | -6.45 | 36.73 | 1.03 | 71.66% | 13.63% | 9.96% | 8.42% | -9.07% | 0.84% | 0.22 | 0.54 | — | — | -4.62 | 3464.00% | 1896.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | -6.45 | — | -0.88 | 1.27 |
| RWAY | Runway Growth Finance Cor… | $7.75 | 280.04M | +373% | -38% | — | +833% | 5.21 | 0.75 | 3.09 | 12.64 | 7.10 | 0.75 | 69.15% | 59.26% | 59.26% | 13.86% | 6.96% | 6.78% | 1.07 | 1.66 | 1.79 | 1.79 | 7.43 | 7339.00% | 3142.00% | -5509.00% | 13.15% | 6.52 | 4.77% | 18.20% | 94.90% | 27.57% | 12.64 | 18.43 | 7.49 | 0.69 |
| SLQT | SelectQuote, Inc. | $0.86 | 151.63M | +4,148% | +2,957% | +417% | +618% | 14.57 | 0.63 | 0.24 | 5.04 | — | 0.69 | 38.72% | 4.49% | 3.12% | 5.61% | 6.90% | 2.05% | 0.72 | 0.86 | 1.60 | 1.48 | 2.59 | -10665.00% | 1550.00% | -48815.00% | -3.80% | -0.05 | -1.42% | 0.00% | 0.00% | 78.91% | 10.92 | -53.99 | 0.49 | 1.60 |
| SPMC | Sound Point Meridian Capi… | $9.75 | 200.24M | — | +148,097% | +137% | +47% | 15.12 | 1.09 | 4.95 | 4.94 | — | 1.09 | 99.82% | 98.59% | 98.59% | — | — | — | 0.00 | 553.95 | — | — | -0.08 | — | — | — | 16.99% | — | — | 12.44% | 188.20% | 12.44% | 4.94 | 5.79 | 4.87 | 22.11 |
| USCB | USCB Financial Holdings, … | $18.93 | 343.35M | +101% | -27% | -25% | +162% | 14.27 | 1.63 | 2.45 | 6.94 | 29.97 | 1.63 | 55.23% | 22.56% | 17.14% | 12.11% | 23.66% | 1.00% | 0.80 | 0.53 | 0.14 | 0.14 | 2.86 | 4762.00% | 3279.00% | 5090.00% | 9.59% | 0.02 | 32.38% | 1.12% | 16.00% | 18.00% | 7.06 | 6.79 | 1.59 | -0.74 |
About MBIA Inc.
MBIA Inc. provides financial guarantee insurance services to public finance markets. It operates through United States (U.S.) Public Finance Insurance, 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 and territories, as well as utilities, airports, health care institutions, higher educational facilities, student loan issuers, 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, utilities, and privately issued bonds used for the financing of projects that include toll roads, bridges, airports, 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.
- CEO
- William Charles Fallon
- Employees
- 57
- Beta
- 1.57
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($2.66 ÷ $5.67) − 1 = -53.09% (DCF, example).