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Federal National Mortgage Association Fannie Mae (FNMA) stock analysis

FNMAOTCFederal & Federally-Sponsored Credit AgenciesFiscal year ends December 31Also trades as FNMAG, FNMAH, FNMAI, FNMAJ, FNMAK, FNMAL, FNMAM, FNMAN, FNMAO, FNMAP, FNMAS, FNMAT, FNMFM, FNMFN, FNMFO
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 28, 2026Score 7/30
$3.42−0.34 (-9.04%)

Close on Oct 19, 2026Market cap $20.15BP/E 15.5Yield –

StockData Score

Prices as of Nov 12, 2026How the score works

Value0Growth0Performance3Health4Dividend0

Weak7 of 30 checks passed

Federal National Mortgage Association Fannie Mae passes 7 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
0/6
Past performance
3/6
Financial health
4/6
Dividend
0/6

What stands out

  • No debt

    Federal National Mortgage Association Fannie Mae has no borrowings on its latest balance sheet.

  • Earnings grew over 5 years

    Net income grew 4.0% a year on average over the last five fiscal years.

  • Interest well covered

    No meaningful interest expense to cover.

  • Debt covered by cash flow

    There is no debt to cover.

What to watch

  • Return on equity under 15%

    Return on equity was 13.7% over the last twelve months and averaged 28.8% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -0.9% a year over the last three fiscal years, short of the 10% we look for.

  • Earnings growth not accelerating

    Net income grew 2.9% over the last twelve months, against a 5-year average of 4.0% a year.

  • Growing slower than the industry

    Revenue grew 3.1% over the last twelve months; the Non-depository Credit Institutions median is 12.2%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -0.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings growth not accelerating

    Net income grew 2.9% over the last twelve months, against a 5-year average of 4.0% a year.

  • Growing slower than the industry

    Revenue grew 3.1% over the last twelve months; the Non-depository Credit Institutions median is 12.2%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    This company does not report gross profit.

Past performance3/6

  • Return on equity under 15%

    Return on equity was 13.7% over the last twelve months and averaged 28.8% over five years; we look for 15% on both.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity above the industry

    Federal National Mortgage Association Fannie Mae's return on equity of 13.7% is above the Non-depository Credit Institutions median of -9.9%.

  • Earnings grew over 5 years

    Net income grew 4.0% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 51.7% over the last twelve months, against a 5-year average of 57.1%.

  • Net margin above the industry

    Federal National Mortgage Association Fannie Mae's net margin of 51.7% is above the Non-depository Credit Institutions median of -6.7%.

Financial health4/6

  • No debt

    Federal National Mortgage Association Fannie Mae has no borrowings on its latest balance sheet.

  • Debt not rising

    With no debt today, leverage cannot have risen.

  • Debt covered by cash flow

    There is no debt to cover.

  • Interest well covered

    No meaningful interest expense to cover.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Bankruptcy risk (Altman Z)

    Needs market value, working capital and retained earnings.

Dividend0/6

  • No dividend

    Federal National Mortgage Association Fannie Mae has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Federal National Mortgage Association Fannie Mae. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Non-depository Credit Institutions median 8.4

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

49.6%+3.0 pts over 5 years

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