MBIA Inc. (MBI) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Specialty
EV/EBITDA
↑
224.10
↑+31% vs avg
5yr avg: 170.85
30Y Low5.0·High21.1
P/FCF
↑
8.15
↑+51% vs avg
5yr avg: 5.41
30Y Low1.2·High15.3
P/B Ratio
N/A
—
5yr avg: N/A
30Y Low0.3·High2.6
ROE
N/A
—
5yr avg: N/A
30Y Low-117%·High50%
Debt/EBITDA
↑
209.19
↑+37% vs avg
5yr avg: 153.08
30Y Low0.9·High15.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MBI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
MBIA Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 8.1x P/FCF, 51% above the 5-year average of 5.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $310M | $353M | $306M | $295M | $640M | $781M | $389M | $753M | $794M | $871M | $1.4B |
| Enterprise Value | $3.6B | $3.6B | $3.4B | $3.4B | $3.7B | $3.8B | $3.8B | $5.1B | $5.2B | $5.3B | $6.4B |
| P/E Ratio → | -1.69 | — | — | — | — | — | — | — | — | — | — |
| P/S Ratio | 3.87 | 4.41 | 7.30 | 42.15 | 4.16 | 4.91 | 1.38 | 2.68 | 4.99 | 2.15 | 4.92 |
| P/B Ratio | — | — | — | — | — | — | 2.61 | 0.90 | 0.70 | 0.61 | 0.44 |
| P/FCF | 8.15 | 9.29 | — | — | — | 1.53 | — | — | — | — | — |
| P/OCF | 8.15 | 9.29 | — | — | — | 1.53 | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
MBI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
MBIA Inc.'s enterprise value stands at 224.1x EBITDA, 31% above its 5-year average of 170.9x. The Financial Services sector median is 11.4x, placing the stock at a 1867% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 45.36 | 81.99 | 478.72 | 23.88 | 24.11 | 13.42 | 18.21 | 32.89 | 13.03 | 22.00 |
| EV / EBITDA | 224.10 | 226.80 | — | — | 114.91 | — | — | — | — | — | — |
| EV / EBIT | — | 226.80 | — | — | 114.91 | — | — | — | — | — | — |
| EV / FCF | — | 95.50 | — | — | — | 7.52 | — | — | — | — | — |
MBI Profitability
Margins and return-on-capital ratios measuring operating efficiency
MBIA Inc. earns an operating margin of -226.3%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -6914.3% to -226.3% over the past 3 years, signaling improving operational efficiency.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 15.0% | 15.0% | -347.6% | -2500.0% | 70.1% | -123.9% | -91.5% | 10.0% | 47.8% | -74.3% | 10.0% |
| Operating Margin | -226.3% | -226.3% | -1050.0% | -6914.3% | -96.1% | -279.9% | -205.0% | -127.0% | -186.2% | -163.2% | -117.3% |
| Net Profit Margin | -221.3% | -221.3% | -1057.1% | -6957.1% | -131.8% | -279.9% | -205.0% | -127.8% | -186.2% | -396.3% | -117.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | — | — | — | — | -117.0% | -36.4% | -23.2% | -68.8% | -9.7% |
| ROA | -8.5% | -8.5% | -18.6% | -16.3% | -5.0% | -8.5% | -8.9% | -4.7% | -3.4% | -15.9% | -2.6% |
| ROIC | -12.9% | -12.9% | -26.8% | -20.3% | -4.5% | -10.6% | -9.9% | -5.0% | -3.9% | -7.1% | -2.6% |
| ROCE | -12.4% | -12.4% | -18.5% | -19.0% | -3.9% | -8.5% | -8.9% | -4.7% | -3.5% | -6.9% | -2.7% |
MBI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
MBIA Inc. carries a Debt/EBITDA ratio of 209.2x, which is highly leveraged (4808% above the sector average of 4.3x). Net debt stands at $3.3B ($3.3B total debt minus $71M cash). Interest coverage of just 0.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | — | — | 23.91 | 5.30 | 4.17 | 3.19 | 1.58 |
| Debt / EBITDA | 209.19 | 209.19 | — | — | 96.97 | — | — | — | — | — | — |
| Net Debt / Equity | — | — | — | — | — | — | 22.79 | 5.20 | 3.92 | 3.09 | 1.52 |
| Net Debt / EBITDA | 204.75 | 204.75 | — | — | 94.91 | — | — | — | — | — | — |
| Debt / FCF | — | 86.21 | — | — | — | 5.98 | — | — | — | — | — |
| Interest Coverage | 0.08 | 0.08 | -1.11 | -1.29 | 0.18 | -1.46 | -1.54 | -0.26 | -0.01 | -1.43 | -0.53 |
MBI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
MBIA Inc.'s current ratio of 2.69x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.94x to 2.69x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.69 | 2.69 | — | 0.94 | 5.82 | 1388.33 | 383.25 | 87.82 | 43.09 | 2.74 | 1.06 |
| Quick Ratio | 2.69 | 2.69 | — | 5.30 | 7.47 | 2057.67 | 383.25 | 128.63 | 60.57 | 29.29 | 11.59 |
| Cash Ratio | 2.43 | 2.43 | — | 0.23 | 5.14 | 897.00 | 225.50 | 55.43 | 29.61 | 18.76 | 7.81 |
| Asset Turnover | — | 0.04 | 0.02 | 0.00 | 0.05 | 0.03 | 0.05 | 0.04 | 0.02 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
MBI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
MBIA Inc. returns 2.3% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | 100.0% | — | 7.7% | — | — | 14.1% | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — | — | — | — |
| FCF Yield | 12.3% | 10.8% | — | — | — | 65.3% | — | — | — | — | — |
| Buyback Yield | 2.3% | 2.0% | 1.3% | 12.9% | 0.5% | 0.1% | 51.5% | 14.1% | 5.5% | 37.9% | 7.6% |
| Total Shareholder Yield | 2.3% | 2.0% | 1.3% | 100.0% | 0.5% | 7.8% | 51.5% | 14.1% | 19.6% | 37.9% | 7.6% |
| Shares Outstanding | — | $49M | $47M | $48M | $50M | $49M | $59M | $81M | $89M | $119M | $133M |
Peer Comparison
Compare MBI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MBIYou | $310M | -1.7 | 224.1 | 8.1 | 15.0% | -226.3% | — | -12.9% | 209.2 |
 AGO | $3B | 7.5 | 6.3 | 13.1 | 92.9% | 84.0% | 8.9% | 7.0% | 2.3 |
 BAM | $78B | 30.6 | 27.6 | — | 93.2% | 57.6% | 37.3% | 24.3% | 1.3 |
 AMBC | $269M | 4.3 | — | 352.5 | 41.8% | -25.4% | -42.4% | -1.5% | — |
 RDN | $5B | 8.4 | 7.2 | 14.0 | 92.3% | 61.2% | 12.4% | 8.9% | 1.4 |
 MTG | $6B | 8.3 | 6.2 | 6.5 | 94.9% | 76.5% | 14.3% | 12.7% | 0.7 |
 ESNT | $5B | 8.5 | 7.0 | 6.3 | 88.2% | 65.2% | 12.1% | 10.2% | 0.6 |
 NMIH | $3B | 7.6 | 6.1 | 6.9 | 91.8% | 70.8% | 16.2% | 13.5% | 0.8 |
 PFSI | $4B | 8.9 | 17.9 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 MCO | $80B | 33.0 | 21.6 | 31.0 | 68.2% | 44.8% | 62.0% | 22.5% | 1.9 |
 SPGI | $122B | 28.0 | 17.5 | 22.3 | 70.2% | 42.2% | 12.1% | 9.7% | 1.9 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
MBI — Frequently Asked Questions
Quick answers to the most common questions about buying MBI stock.
What is MBIA Inc.'s P/E ratio?
MBIA Inc.'s current P/E ratio is -1.7x. The historical average is 14.8x.
What is MBIA Inc.'s EV/EBITDA?
MBIA Inc.'s current EV/EBITDA is 224.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.6x.
Is MBI stock overvalued?
Based on historical data, MBIA Inc. is trading at a P/E of -1.7x. Compare with industry peers and growth rates for a complete picture.
What are MBIA Inc.'s profit margins?
MBIA Inc. has 15.0% gross margin and -226.3% operating margin.
How much debt does MBIA Inc. have?
MBIA Inc.'s Debt/EBITDA ratio is 209.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.