FNMA Stock Overview
Federal National Mortgage Association provides a source of financing for mortgages in the United States.
Federal National Mortgage Association Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$0.67|
|52 Week High||US$2.50|
|52 Week Low||US$0.56|
|1 Month Change||-12.18%|
|3 Month Change||-18.00%|
|1 Year Change||-68.69%|
|3 Year Change||-78.73%|
|5 Year Change||-74.23%|
|Change since IPO||-92.34%|
Recent News & Updates
|FNMA||US Mortgage||US Market|
Return vs Industry: FNMA underperformed the US Mortgage industry which returned -30.4% over the past year.
Return vs Market: FNMA underperformed the US Market which returned -12.7% over the past year.
|FNMA Average Weekly Movement||7.2%|
|Mortgage Industry Average Movement||4.0%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||3.0%|
Stable Share Price: FNMA is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: FNMA's weekly volatility (7%) has been stable over the past year.
About the Company
Federal National Mortgage Association provides a source of financing for mortgages in the United States. It securitizes mortgage loans originated by lenders into Fannie Mae mortgage-backed securities (Fannie Mae MBS). The company operates through two segments, Single-Family and Multifamily.
Federal National Mortgage Association Fundamentals Summary
|FNMA fundamental statistics|
Is FNMA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|FNMA income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.01|
|Net Profit Margin||0.16%|
How did FNMA perform over the long term?See historical performance and comparison
Is Federal National Mortgage Association undervalued compared to its fair value and its price relative to the market?
Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FNMA ($0.67) is trading below our estimate of fair value ($140.49)
Significantly Below Fair Value: FNMA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FNMA is poor value based on its PE Ratio (66.3x) compared to the US Mortgage industry average (12.1x).
PE vs Market: FNMA is poor value based on its PE Ratio (66.3x) compared to the US market (15.5x).
Price to Earnings Growth Ratio
PEG Ratio: FNMA's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: FNMA has negative assets, so we can't compare its PB Ratio to the US Mortgage industry average.
How is Federal National Mortgage Association forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FNMA's earnings are forecast to decline over the next 3 years (-162.1% per year).
Earnings vs Market: FNMA's earnings are forecast to decline over the next 3 years (-162.1% per year).
High Growth Earnings: FNMA's earnings are forecast to decline over the next 3 years.
Revenue vs Market: FNMA's revenue is expected to decline over the next 3 years (-25.6% per year).
High Growth Revenue: FNMA's revenue is forecast to decline over the next 3 years (-25.6% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if FNMA's Return on Equity is forecast to be high in 3 years time
How has Federal National Mortgage Association performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FNMA has high quality earnings.
Growing Profit Margin: FNMA's current net profit margins (0.2%) are lower than last year (0.2%).
Past Earnings Growth Analysis
Earnings Trend: FNMA has become profitable over the past 5 years, growing earnings by 47.6% per year.
Accelerating Growth: FNMA's earnings growth over the past year (1.8%) is below its 5-year average (47.6% per year).
Earnings vs Industry: FNMA earnings growth over the past year (1.8%) underperformed the Mortgage industry 7.1%.
Return on Equity
High ROE: Whilst FNMA's Return on Equity (41.72%) is outstanding, this metric is skewed due to their high level of debt.
How is Federal National Mortgage Association's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score0/6
Financial Health Score 0/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: FNMA's Assets to Equity ratio (82.8x) is very high.
Allowance for Bad Loans: Insufficient data to determine if FNMA has a sufficient allowance for bad loans.
Low Risk Liabilities: FNMA reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if FNMA has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: FNMA reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if FNMA has an appropriate level of bad loans.
What is Federal National Mortgage Association current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FNMA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FNMA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if FNMA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FNMA's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of FNMA's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dave Benson (61 yo)
Dr. David C. Benson, also known as Dave, serves as Interim Chief Executive Officer and Director for Federal National Mortgage Association since May 1, 2022. He has been President at Fannie Mae (formally, t...
CEO Compensation Analysis
Compensation vs Market: Dave's total compensation ($USD3.62M) is below average for companies of similar size in the US market ($USD6.90M).
Compensation vs Earnings: Dave's compensation has been consistent with company performance over the past year.
Experienced Management: FNMA's management team is considered experienced (3.3 years average tenure).
Experienced Board: FNMA's board of directors are considered experienced (6.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Federal National Mortgage Association's employee growth, exchange listings and data sources
- Name: Federal National Mortgage Association
- Ticker: FNMA
- Exchange: OTCPK
- Founded: 1938
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: US$3.845b
- Shares outstanding: 5.74b
- Website: https://www.fanniemae.com
Number of Employees
- Federal National Mortgage Association
- Midtown Center
- 1100 15th Street, NW
- District Of Columbia
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/21 00:00|
|End of Day Share Price||2022/05/20 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.