MBIA (FRA:MBJ) Moat Score: 2/10 (As of Jul. 02, 2026)


FRA:MBJ MBIA Inc FRA:MBJ
30 GF Score
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! 4 Warning Signs
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What is MBIA Moat Score?

MBIA FRA:MBJ -1.74% 30 Moat Score is 2 as of Jul. 02, 2026. GuruFocus rates FRA:MBJ with a GF Score™ of 30/100. The stock has 4 warning signs investors should review. Among 600 Insurance companies, MBIA ranks better than 69.83% on this metric.

MBIA has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

MBIA has No Moat: MBIA Inc has no discernible moat. It lacks market leadership, significant customer switching costs, and strong brand strength. The company faces intense competition and has no significant regulatory barriers or unique advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes MBIA might have No Moat - Very weak/transient advantages.

MBIA  (FRA:MBJ) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

MBIA Moat Score Related Terms

FRA:MBJ vs OSG, JRVR, FACO: Moat Score Comparison

For the Insurance - Specialty subindustry, MBIA's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

MBIA Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, MBIA's Moat Score distribution charts can be found below:

* The bar in red indicates where MBIA's Moat Score falls into.


FRA:MBJ
30GF Score
MBIA Inc FRA:MBJ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
MBIA (FRA:MBJ) has a Moat Score of 2 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, MBIA ranks #181 out of 600 companies in the Insurance industry, placing it in the top 30.2%.
Is MBIA's Moat Score too high?
MBIA's current Moat Score is 2. Based on the distribution chart, MBIA ranks #181 out of 600 companies in the Insurance industry, which is above the industry midpoint. Overall, MBIA has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does MBIA's Moat Score compare to OSG and JRVR?
According to the Insurance industry distribution chart, MBIA ranks #181 out of 600 companies for Moat Score. This puts MBIA in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. MBIA's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBIA stock overvalued right now?
MBIA (FRA:MBJ) has a current Moat Score of 2. The current Moat Score is 2. MBIA's overall GF Score™ is 30/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For MBIA (FRA:MBJ), the current Moat Score is 2 as of Jul. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

MBIA Business Description

Other Exchanges MBI:USA
Address 1 Manhattanville Road, Suite 202, Purchase, NY, USA, 10577
MBIA Inc provides financial guaranty insurance for municipal bonds and asset-backed securities in the United States and internationally. It offers an unconditional guarantee to repay the principal and interest on these securities if the issuer defaults. MBIA insures bonds sold in the primary and secondary markets, as well as those held in unit investment trusts and mutual funds. It operates in three segments: the United States Public Finance Insurance, which derives maximum revenue, Corporate, and International & Structured Finance Insurance. The U.S. public finance insurance portfolio is managed through the National Public Finance Guarantee Corporation. International & structured finance insurance business is managed through MBIA Insurance Corporation and its subsidiaries.
30GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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