MBIA INC (MBI)
Financials · Financial guarantee insurance · NYSE
MBIA insures public finance and municipal bond obligations against credit losses, positioning itself as a backstop for state and local government debt.
What MBIA INC does
MBIA Inc. is a financial guarantee insurance company that insures public finance obligations issued by state, local and territorial governments and other public service providers. Through its subsidiary National Public Finance Guarantee Corporation, MBIA issues financial guarantee insurance policies protecting investors in municipal bonds and other public finance securities against credit losses. The company manages significant loss reserves for insured obligations and maintains reinsurance arrangements to manage portfolio risk.
Themes: Financial guarantee insurance, Public finance / municipal bonds, Credit risk mitigation
Fundamentals
- Price$4.90 as of 2026-08-21 close
- Market cap$250M as of 2026-08-21
- 1-year return-34.2% 2025-08-21 close $7.45 → 2026-08-21 close $4.90
- P/En/a negative earnings
- Net margin-172.2% as of 2026-08-24
- ROE-185.1% as of 2026-08-24
- Debt / equity25.71 as of 2026-08-24
- Revenue growth (YoY)+109.3% as of 2026-08-24
- Revenue CAGR (3y)-19.6% SEC XBRL
- Beta1.48 as of 2026-08-24
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
Dividend: at least 1 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How MBI compares in its sector
- net profit marginbottom 10% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 10% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRbottom 10% 347 covered Financials peers
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage
Not assessed — last reported dividend predates the accounts. The most recent fiscal year in which MBI reported a dividend payment is FY2023, while its reported financial statements run through FY2025. Coverage is therefore not assessed for the latest year — an FY2023 ratio would not describe MBI today.
Coverage is derived from reported SEC EDGAR XBRL figures, comparing dividends paid against net income and free cash flow for the SAME fiscal year. It is not shown here because the latest fiscal year with a reported dividend payment (FY2023) is older than the latest year of reported financial statements (FY2025), so any ratio would describe an out-of-date year. Informational only — not financial advice.
How MBIA INC looks technically
MBIA INC (MBI) is trading 23.0% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 106 trading days ago — a "death cross", a bearish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 40, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 33, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive). It made a new 20-day low about 3 trading days ago. It is 3.8% above its 52-week low (its lowest price of the past year).
Trend
7
| Distance from the 200-day | it is trading 23.0% below its 200-day average, the long-term trend line — a long-term downtrend | -23.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $5.84 | $5.84 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $6.36 | $6.36 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 46 calendar days ago — the swings before that are what the structure reading is measured on | 46 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 106 trading days ago — a "death cross", a bearish long-term signal | 106 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 40, with sellers in control | 40.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 33, neither overbought (above 70) nor oversold (below 30) | 33.4 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($4.72 to $5.38) — its "stochastic" reading is 27 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 27.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive) | 1 session |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $8.26 | $8.26 |
|---|---|---|
| From the 52-week high | it is 40.7% below its 52-week high (its highest price of the past year) | -40.7% |
| Above the 52-week low | it is 3.8% above its 52-week low (its lowest price of the past year) | +3.8% |
| Below the 52-week high | it is 40.7% below its highest point of the past year | 40.7% |
| Since a 20-day breakout | it made a new 20-day low about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day low about 3 trading days ago | 3 sessions |
| All-time high | its highest closing price on record is $76.02 (set on 2007-01-29) | $76.02 |
| Given back of the 52-week move | over the past year its closes ranged ($4.82 to $8.13), and it has recovered only a small part of its fall from last year’s high — 2% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $6.87 to $6.97. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 2.4% |
| From the all-time high | it is 93.6% below its all-time high | -93.5% |
| Nearest price level | it is trading 1.4% below a resistance level at $4.97 — a price it turned at three times since 2025-03-11, most recently on 2025-05-16. Since 2024-08-21 it has 2 such levels below the current price and 14 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.4% |
| All-time low | its lowest closing price on record is $2.17 (set on 2009-03-05) | $2.17 |
| Above the all-time low | it is 125.8% above its all-time low | +125.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 62nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2155 between its high and its low — about 4.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.2155 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $4.73 and $5.55 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $4.73 – $5.14 – $5.55 |
| Typical daily range (% of price) | its price moves about 4.4% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.4% |
| Stretch from the 200-day average | it is trading 6.8 daily ranges below its 200-day average price (23.0% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.8 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.10× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 3.4% since the prior reading | -3.5% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 7 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 7 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +0.2% |
|---|---|---|
| Gap filled | a 2.2% gap up opened on 2026-07-02 has been "filled" 35 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 35 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 24.6 percentage points (the stock lost 22.2% while the market gained 2.3%) | -24.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 25.3 percentage points (the stock lost 22.2% while the market gained 3.1%) | -25.3% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 32.2 percentage points (the stock lost 21.1% while the market gained 11.1%) | -32.2% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 54.7 percentage points (the stock lost 34.2% while the market gained 20.5%) | -54.7% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, a fresh 20-day low, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 22% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 4.1% of the share price. | -21.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 19% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $6.03 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | -18.8% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-08-06 (its 10-Q), so the typical buyer over that stretch is under water. That average is $4.99 — a volume-weighted average of daily closes over 12 sessions, not a true tick-by-tick VWAP. | -1.9% |
Price levels it has turned at before
MBI last closed at $4.90 on 2026-08-21. Since 2024-08-21 it has turned at 2 prices below its last close and 14 above; the 2 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $4.97 | Resistance | 1.4% above the last close | turned there three times · 2025-03-11 to 2025-05-16 |
| $5.54 | Resistance | 13.0% above the last close | turned there three times · 2026-03-27 to 2026-06-03 |
| $4.12 | Support | 16.0% below the last close | turned there three times · 2025-05-09 to 2025-06-23 |
| $5.70 | Resistance | 16.2% above the last close | turned there five times · 2024-12-24 to 2026-04-13 |
| $3.98 | Support | 18.8% below the last close | turned there twice · 2024-09-03 to 2024-10-16 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · Broke down to a new 20-day low · MACD just crossed bullish (12/26/9) · Analyst price target recently CUT · lagging the market | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.50 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$7.00 range $7.00 – $7.00
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for MBI
- Consensus EPS estimate-$0.105 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Increased credit losses on insured public finance obligations issued by fiscally stressed state, local, and territorial governments could exceed loss reserve estimates","Inadequate liquidity at MBIA Insurance Corporation or National to timely pay claims could trigger regulatory rehabilitation or liquidation proceedings by NYSDFS","Disruption in capital market access and global credit market fluctuations affecting collateral posting requirements and liquidity"]
What changed in the latest 10-Q
AI-assisted comparison of MBI's 10-Q filed 2026-05-07 against the prior one filed 2025-11-04.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-07) adds Item 2 section on 'Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities' with a table showing share repurchases for January-March 2026.
- Newer filing (2026-05-07) adds Item 5 section on 'Other Information' with details of Annual Meeting of Shareholders held May 5, 2026, including voting results for director elections and advisory compensation approval.
- Newer filing (2026-05-07) references 10-K for year ended December 31, 2025 (instead of 2024) in Critical Accounting Estimates section.
- Removed:
- Older filing (2025-11-04) contains detailed Item 1A Risk Factors section with subsection 'Insured Portfolio Loss Related Risk Factors' discussing fiscal stress, PREPA bankruptcy proceedings, and specific debt service amounts ($565 million outstanding, $13 million and $92 million claims paid). This detailed risk factor section is not present in the newer filing.
- Older filing (2025-11-04) references 10-K for year ended December 31, 2024 in Critical Accounting Estimates section (removed in newer filing which references 2025).
- Reworded:
- Item 3 Market Risk disclosure: older filing states 'In periods of rising and/or volatile interest rates' while newer filing states 'In periods of volatile interest rates' (removal of 'rising and/or' language).
- Item 1A Risk Factors introductory language: older filing includes 'The following should be read in conjunction with and supplements the risk factors described under...' and 'Except as set forth below, there have been no material changes...' while newer filing simply states 'For a discussion of the Company's risk factors refer to...' and 'There have been no material changes to the risk factors since previously disclosed...' (simplified and standardized language).
- References to fiscal year-end dates: older filing references December 31, 2024; newer filing references December 31, 2025.
- Notes:
- The older filing text appears truncated at the end of the Risk Factors section (cuts off mid-sentence regarding First Circuit Court of Appeals), so the full extent of removals in Item 1A cannot be completely assessed.
- The newer filing text also appears truncated at Item 5 Proposal 3, so the complete content of that section is not available for full comparison.
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for MBI — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding MBI as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 5,150,821
- Reported value $30,441,355
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
MBI had 2,628,598 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
MBI had 5.15% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.6 days to cover at the same settlement.
- Reported short interest (shares) 2,628,598
- Short interest (% of shares outstanding) 5.15%
- Prior settlement (shares) 2,450,273
- Reported change 7.28%
- Days to cover (reported) 5.6
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Berkley (BRK.B)
- Assured Guaranty (AGO)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare MBI vs…
Frequently asked questions
What does MBIA INC (MBI) do?
MBIA Inc. is a financial guarantee insurance company that insures public finance obligations issued by state, local and territorial governments and other public service providers. Through its subsidiary National Public Finance Guarantee Corporation, MBIA issues financial guarantee insurance policies protecting investors in municipal bonds and other public finance securities against credit losses.
What sector is MBIA INC (MBI) in?
MBIA INC (MBI) is classified in the Financials sector. Its industry is Financial guarantee insurance. It trades on NYSE.
Does MBI pay a dividend?
No — MBIA INC (MBI) does not currently pay a dividend (market data, as of 2026-08-24). Informational only — not financial advice.
Who are MBIA INC's (MBI) competitors?
Notable peers of MBIA INC (MBI) include Berkley and Assured Guaranty. This peer set is informational only — not financial advice.
Is MBIA INC (MBI) overbought or oversold right now?
MBIA INC (MBI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 33, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on MBI come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.