Federal National Mortgage Association Fannie Mae

Earnings Score
Moat Score

Market Cap $7.42B
PE 571
Debt $4.22T
Cash $77.80B
EV $4.15T
FCF -

Earnings

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Sales & Net Margins

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Earnings	$13.00M
EBIT	$20.42B
ROE	0%
ROA	0%
Equity	$98.31B
Growth Stability	3%
PE	571.03
PEG	-18.89
PB	0.08
P/S	0.26
Price/Cash	10.48
Debt/Equity	42.9
Net Margins	0%
Op. Margins	70%
Earnings CAGR	-16%
Sales Growth YoY	-0%
Sales Growth QoQ	-3%
Sales CAGR	5%
Equity CAGR	51%
Earnings Stability	0.18
Earnings Growth YoY	-250%

Earnings Growth QoQ	100%
Earnings CAGR 5Y	-30%
Sales CAGR 5Y	3%
Equity CAGR 5Y	40%
Earnings CAGR 3Y	-1%
Sales CAGR 3Y	-1%
Equity CAGR 3Y	24%
Market Cap	$7.42B
Revenue	$29.06B
Assets	$4.35T
Total Debt	$4.22T
Cash	$77.80B
Shares Outstanding	1.16B
EV	4.15T
Earnings Score	4%
Moat Score	22%
Shares Growth 3y	0%
Equity Growth QoQ	4%
Equity Growth YoY	20%

Assets & ROA

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Stockholders Equity & ROE

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Federal National Mortgage Association Fannie Mae is a nonbank financial services company. Its objective is to tear down barriers, lower costs, and increase the opportunities for homeownership and affordable rental housing for all Americans. The company operates in the secondary mortgage market by purchasing mortgage loans and mortgage-related securities, from mortgage market institutions, such as commercial banks, savings and loan associations, mortgage banking companies, securities dealers, and other investors. It has two business segments namely Single-Family and Multifamily. Most of the revenue is derived from the Single-Family segment.

SEC Filings

Direct access to Federal National Mortgage Association Fannie Mae (FNMA) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2025
- 10-Q Mar 31
2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31

Sector Comparison

How does Federal National Mortgage Association Fannie Mae compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Federal National Mortgage Association Fannie Mae compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR -16%

Stability 18%

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Federal National Mortgage Association Fannie Mae Discounted Cash Flow

Fully customizable DCF calculator online for Federal National Mortgage Association Fannie Mae.

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	-1%	0%	-28%	15%	1%	0%	0%	0%	0%	0%	0%
ROA	-	3%	3%	3%	3%	2%	1%	0%	1%	0%	0%
ROE	-	1%	176%	54%	1%	0%	0%	0%	0%	0%	0%

Bad Net Margins (0.08%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	787.8	537.36	-903.43	543.58	235.54	155.33	87.75	69.87	54.14	44.55	42.9
Growth Stability	-	-	-	-	-	-	7%	3%	9%	11%	3%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Bad Debt/Equity ratio (42.9)

The company is overleveraged and has a bad balance between equity and debt.

Bad Graham’s Stability (3%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	-2%	3%	-4%	1%	14%	18%	-1%	-2%	0%	3%
Earnings YoY growth	-	-129%	-9K%	-152%	-94%	-92%	420%	-96%	0%	0%	-30%
Equity YoY growth	-	50%	-161%	-269%	134%	73%	87%	27%	29%	22%	40%
FCF YoY growth	-	-	-	-	-	-	-	-	-	-	-