Profitability
Weight: 25%
B-
65
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 16.7%
- Loss Ratio Trend +2.62 pp/yr
MBI
MBIA Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 5 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
A+
96
- 5yr Share-Count CAGR -3.6%
Growth Quality
Weight: 10%
F
8
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR -15.9%
- Loss Ratio Trend (growth quality check) +2.62 pp/yr
- Revenue-Growth Years (5) 2/5
Cash Generation
Weight: 15%
F
8
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Loss Ratio Stability (σ) 0.80
Balance Sheet
Weight: 25%
F
1
Scored using premiums-to-surplus — insurer-archetype substitution.
- Interest Coverage (EBIT/Int) 0.08x
Stability
Weight: 10%
C-
48
- Negative-Revenue Years (5) 3/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 3 gurus held; 1 trimmed; 1 full exit.
- Holders
- 2 -1
- Avg Δ position
- -36.9%
- New buys
- 0
- Full exits
- 1