Owner Scorecard


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MIAX, Miami International Holdings Inc.

We are a technology-driven leader in building and operating regulated financial marketplaces across multiple asset classes and geographies.

Our MIAX Exchanges, MIAX Futures Exchange and Bermuda Stock Exchange marketplaces are enabled by our in-house built, proprietary technology.

Our MIAX Exchange trading platform was originally built to meet the high-performance quoting demands of the U.S. options trading industry.

Latest annual: FY2025 10-K
MIAX · Miami International Holdings Inc.
I

The business

What it sells, where the money comes from, the kind of company it is.

Revenue · FY2025
$1.4B
+19.6% YoY
Vital signs · TTM, with 3-yr average
Revenue $1.5B 3-yr avg $1.2B
Operating margin 7.9% 3-yr avg 2.1%
Net margin 9.7% 3-yr avg 0.6%
Return on equity 12% 3-yr avg 2%

Next report By 11/13 · the 10-Q for the quarter ended late September · due within 45 days of period end · has filed ~38 days after · the wire records it on arrival

The business in brief

read the 10-K →

What this business is and what moves its needle, from its own SEC filings.

What moves the needle
Assets under management and the fee rate on them. What decides it: net flows in or out, the market's move on the assets already there (the firm rises and falls with the indices it invests in), the drift toward cheaper passive products, and the operating leverage on a largely fixed cost base. On its own account, the filing leans hardest on pricing power & competition, set against the numbers in what the filing emphasizes, below.
Is it a good business?
Operating margin has been modest for a fee business (median −0%). It earns this on little capital, so return on equity has run near −8%, the leverage of a model that needs almost no plant to grow. A high return that does not fade can mark a moat, but whether the assets stay (net flows, not last year's market) is what the flow disclosures and the 10-K settle, not the multiple.

Every line is arithmetic on the company's filings, shown in full in the sections below.

II

The record

Ten years of arithmetic, read across the cycle.

The record, 2023–2025

realized figures from each filing · older years to the left
2023’232024’242025’25TTMTTMJun 2026
Income statement
$1.0B$1.1B$1.4B$1.5BRevenueRevenue
−0.3%−0.2%6.7%7.9%Operating marginOp. mgn
−2.0%9.0%−5.1%9.7%Net marginNet mgn
($22M)$105M($69M)Pretax incomePretax
($21M)$102M($70M)$142MNet incomeNet inc.
Cash flow & returns
($65M)$85M$145M$251MOwner earningsOwner earn.
($64M)($41M)($101M)Investing cash flowInv. cash
($17M)$29M$215MFinancing cash flowFin. cash
$0$0($89K)Exchange-rate effectFX
($130M)$100M$281MChange in cashΔ cash
-13%28%-8%12%Return on equityROE
−13%28%−8%12%Retained to equityRetained/eq
Balance sheet
$974M$1.3B$1.6BTotal assetsAssets
$59M$150M$434M$660MCash & investmentsCash+inv
$606M$378MTotal liabilitiesTotal liab.
$164M$368M$881M$1.2BShareholders’ equityEquity
Per share
84.7M112M105M110MShares out (diluted)Shares
$12.29$10.18$13.02$13.34Revenue / shareRev/sh
$-0.25$0.91$-0.67$1.29EPS (diluted)EPS
$-0.77$0.76$1.38$2.29Owner earnings / shareOE/sh
$1.93$3.28$8.41$10.46Book value / shareBVPS

Share counts before TTM are restated ×1.5 for a stock split, so per-share figures sit on one basis.

III

Quality & stewardship

Returns, the balance sheet, capital allocation, and pay.

Owner’s Scorecard

FY2025 10-K · source on SEC EDGAR →

Is it a good business?

  • Thin for a fee business
    Operating income $92M ÷ revenue $1.4B
    Industry peers: median 25%
    What this means

    The heart of a asset manager: how much of each fee dollar survives the cost of running the business. Fees ride on assets under management, so the swing factors are net flows in or out and the market's move on the assets already there; the cost base is largely fixed, which lifts margins in a bull market and squeezes them in a bear one. A high margin held for years, through a market it does not control, is the operational mark of a real franchise.

  • Net margin −5.1%
    Slim
    Net income ($70M) ÷ revenue $1.4B
    What this means

    What reaches the owner after tax and interest. For a capital-light fee business this should be a wide share of revenue; when it is thin despite a high operating margin, debt taken on for acquisitions is usually the reason, so read it next to the balance sheet.

  • Below the cost of equity
    Net income ($70M) ÷ equity $881M
    Industry peers: median 9%
    What this means

    Because the business ties up little capital, a healthy fee stream throws off a high return on the equity behind it. Read it with the buyback record: returning capital lifts this ratio honestly, but heavy debt taken to do so can flatter it.

All figures as filed; the source filing is linked above.

Current Position

as of the latest quarter, Jun 30, 2026

Can the business pay what it owes this year, off the freshest balance sheet: the quality of the assets, the debt actually coming due, and what a low ratio means here.

Current assets$1.1B
  • Cash & short-term investments$660M
  • Receivables$120M
  • Other current assets$322M
Current liabilities$423M
  • Debt due within a year$2M
  • Accounts payable$19M
  • Other current liabilities$402M
Current ratio2.61×all current assets ÷ what's due · Graham looked for 2×
Quick ratio2.61×stricter: inventory excluded
Cash ratio1.56×strictest: cash alone against what's due
Working capital$679Mthe cushion left after near-term bills
Debt due this year vs. cash$2M due · $660M cash covered by cash on hand, no refinancing forced · both figures from the Jun 30, 2026 balance sheet
Revenue, latest quarter vs. a year ago+18.3%the freshest read on whether the business is still growing
Current ratio, recent quarters1.4× → 2.6×
Deeper floors
Tangible book value$919Mequity stripped of goodwill & intangibles
Net current asset value$652MGraham's net-net: current assets less all liabilities
Debt incl. operating leases$23M$21M of it operating leases
Deferred revenue$9Mcustomer cash collected before delivery; operating float

From the company's latest filing.

Management, ownership & pay

read the proxy →

From the proxy: how much of the business the people running it own, and how they are paid.

  • Insider ownership15.6%

    The stake all directors and executive officers hold together, per the 2026 proxy: skin in the game, the first thing Munger reads.

  • Stock-based compensation$58M

    The slice of the business handed to employees in shares in fiscal 2025, 4.2% of revenue, equal to 62.6% of operating profit. Buffett's oldest accounting fight: this is compensation, compensation is an expense, real whether or not the headline earnings admit it. One trap: the cash-flow statement adds SBC back, so the operating cash, and the owner earnings drawn from it, are flattered by exactly this amount; counted as the cost it is, what an owner keeps is lower.

What an owner would ask, FY2025

read the 10-K →
  • Which reported numbers are a judgment call?
    Management names Income taxes as critical estimates

    each rests partly on management's judgment; the filing's note sets out the assumptionsverify →

The questions the record and the charts do not answer on their own; each carries the figure and the place to look.

Peers, Capital Markets & Asset Management

The same industry, side by side on fee margins. Each column names the period it is read over, and a median resting on fewer than three years carries that count beside it; the group median at the foot is the line to read each figure against.

CompanyRevenuelatest FY, USDOp. marginmedian over the recordNet marginmedian over the recordROEmedian over the record
SEICSEI Investments Company$2.3B26.6%27.0%27%
PIPRPiper Sandler$1.9B10.0%7.6%9%
OPYOppenheimer Holdings Inc.$1.6B7.3%4.0%7%
MIAXMiami International Holdings Inc.$1.4B-0.2%-2.0%-8%
FUTUFutu Holdings Limited$1.3B81.3%71.8%16%
MKTXMarketAxess$846M48.5%35.9%26%
BULLWebull Corporation$571M3.3%2y2.9%2%1y
TIGRUP FINTECH HOLDING LIMITED$539M25.0%6.0%7%
Group median17.5%6.8%8%
IV

The price

What a price has to assume.

What the price implies

reverse-DCF

Type today's close and see the owner-earnings growth you'd have to believe to justify it, beside what Miami International Holdings Inc. has delivered.

$
Base

The assumptions

9.0% = the 4.71% 10-year Treasury (Aug 18, 2026) + 4.29 points of equity premium. The rate you require is yours to set.

Enter a price above to run it.

Implied by the price
Owner-earnings growth · since FY2024+71%/yr
Owner-earnings yield
P/E (3-yr earnings ’23–’25)
P/B
Graham’s price gate

Graham capped the multiple at 15×; Buffett and Munger let that rule go: a wonderful business can deserve 50× if the thesis holds. The gate marks the bargain-hunter's floor.

Against a high-grade bond: Graham’s yardstick bond yield%

Prefilled with the 10-year Treasury (4.71%, as of Aug 18, 2026). Edit it for today’s exact figure, or a AAA corporate yield.

Graham measured a stock against the bond you could own instead, the heart of his margin of safety. Enter a price above to weigh the owner-earnings yield against this bond.

Free cash flow $251M on 99M shares outstanding, per the 10-Q cover, as of 2026-07-31; net cash $659M. The if-converted diluted count is 110M, 11% above the shares outstanding: the dilution overhang (convertibles, options) a buyer inherits. The base is the latest year by default; Normalize values it on the through-cycle median owner-earnings margin (to avoid paying on a peak year). Net of stock comp treats option pay as the expense it is. Capex ($34M) runs well above depreciation ($33M), so this is a build-out; Steady-state swaps total capex for maintenance (≈ depreciation), lifting the base to about $263M, the cash it would throw off if it stopped expanding. The dials set the multiple a growth belief justifies; the price, and every dollar on this page, is yours.

Cite: Owner Scorecard, "Miami International Holdings Inc. (MIAX), the owner's record," https://ownerscorecard.com/c/MIAX, data as of 2026-08-17.

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