MBIA Inc. — Earnings Quality Grade F
MBI · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 748 days, change -2015 days YoY
AR growth -48.4% vs revenue growth 90.5%
Revenue 90.5%, CFFO 121.6%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO < Net Income for 3 consecutive years
Small-cap context: Small-cap CFFO/NI often diverges from working-capital swings, not necessarily manipulation.
FCF $0.0B, FCF/NI = -0.21
Accruals ratio = -10.7%. Low accruals
Cash $1.5B covers only 45% of debt $3.3B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
MBIA Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25