Mbia Inc.
—- Market cap
- $243.35M
- Debt
- +$4.17B
- Cash
- —
Complete market value, debt and cash evidence is required for enterprise value.
Capital structure 6% equity / 94% debt
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · Mkt capMarket cap $243.35M · View financials
Snapshot Sep 4, 4:00 PM ET
FY 2025 · Mkt cap
Decision snapshot: MBI stock price near parity vs UMBF $4.77 current versus $5.10 implied using P/S multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at UMBF's multiple
Implied fair value · at MBI's multiple
Snapshot Sep 4, 4:00 PM ET
Metric by metric
Where each company leads, and how wide the gap is.
Growth edge
Pricing power
Operating leverage
Multiple premium
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: MBI FY 2025 (ended Dec 31, 2025) · UMBF FY 2025 (ended Dec 31, 2025).
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Complete market value, debt and cash evidence is required for enterprise value.
Capital structure 6% equity / 94% debt
Capital structure 96% equity / 4% debt · EV / Revenue 1.08x · EV / EBITDA 1.49x
MBI carries the larger enterprise value at $4.41B against $3.62B; UMBF trades on the lower EV / Revenue multiple (1.08x vs 55.18x); UMBF on the lower EV / EBITDA (1.49x vs 64.92x).
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
MBIA INC. · implied price per share
Five annual free-cash-flow observations are required for the filing-backed baseline.
UMB FINANCIAL CORP · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
-1.86x
0.06x
Net debt / EBITDA
Leverage against operating earnings
—
-3.00x
Cash and equivalents
Liquid reserves on the balance sheet
—
$7.77B
Total debt
Interest-bearing obligations outstanding
$4.17B
$474.23M
Comparable set
Where the pair sits against the wider comparable set.
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