MBIA (MBI) Stock Analysis & Winston Score

MBIA Inc. is a financial guaranty insurance company. It promises to pay back investors if bonds they own stop making payments. The main customers are governments, municipalities, and other public entities that issue bonds to raise money for things like roads, schools, and utilities.

MBIA makes money by charging fees and premiums to bond issuers in exchange for wrapping their debt with an insurance guarantee. The company operates primarily in the United States and has a much smaller international business. MBIA was once a dominant player in bond insurance, but it suffered severe losses during the 2008 financial crisis after guaranteeing risky mortgage-backed securities. Today the company is in a long runoff phase, meaning it is no longer writing much new business and is focused on managing and paying down its existing obligations. The biggest risk the company faces is that losses on its remaining insured portfolio exceed the reserves it has set aside to cover them.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+71.4% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+37.5% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

11.4%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~6 months

$70M cash & investments

Short runway — potential dilution ahead through share issuance

Revenue accelerating

MBIA grew revenue 71% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

112.5%

Premium pricing power — 112.5% gross margin

Operating Margin

-170.8%

Losing money on operations — -170.8%

ROCE

-6.9%

Weak — -6.9% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

+109.3%

Fast-growing sales (109.3% YoY)

EPS YoY

N/A

—

Data not available

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

—

Data not available

FCF Margin

53.3%

Converts sales into free cash efficiently (53.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

N/A

—

Data not available

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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