MBIA Inc.
MBIA Inc. is classed by the SEC under Surety Insurance (industry code 6351), based in Purchase, NY. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $80 million and a loss of $183 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6351, Surety Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 3.4 out of ten, 9 of 9 metrics filed: past 3.7 out of ten, present 1.5 out of ten, future 5.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 6.3 out of ten. No warning events in its filings since 2017. 63rd percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 1.9 out of ten. -13.5% a year over 10 filed years; profitable in 2 of 10. 19th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 2.7 out of ten. Share count shrank 0.4% a year. 62% of cash flow returned. Insiders: 0 sales, 0 purchases. 27th percentile among 7 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 0.6 out of ten. Leverage 211%: owes 211¢ per asset dollar. 6th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 0.6 out of ten. bottom 6% of 8 in its family; net margin -221.2%. 6th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 4.7 out of ten. bottom 47% of 8 in its family for leadership; chief executive since 2020. 47th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 6.9 out of ten. top 31% of 8 in its family for room to expand. 69th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 5.6 out of ten. top 44% of 8 in its family for growth drivers. 56th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.0 out of ten. bottom 40% of 8 in its family for expectations against reality. 40th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-26 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-06 (on EDGAR). Newest filing: Form SCHEDULE 13G, 2026-08-14. Filings on record since 1994. Read from EDGAR 2026-10-12.
Who runs it
Fallon, William C (CEO & President); Avitabile, Daniel M. (Assistant Vice President); Bergonzi, Adam T. (Assistant Vice President); Young, Christopher H. (Assistant Vice President); Schachinger, Joseph R. (EVP, CFO and Treasurer); Dewbrey, Diane L (director); Gilbert, Steven J (director); Innis-Thompson, Janice L. (director); Shasta, Theodore (director); Vaughan, Richard C (director). 10 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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