Federal National Mortgage Association stock analysis
Federal National Mortgage Association (0IL0) Share Price & Analysis
0IL0 Stock Chart & Stats
- Day’s Range
- $4.31 - $4.48
- 52-Week Range
- $2.99 - $12.32
- Previous Close
- $4.42
- Volume
- N/A
- Average Volume (3M)
- 40.29K
- Market Cap
- $5.06B
- Enterprise Value
- $4.30T
- Total Cash (Recent Filing)
- $10.92B
- Total Debt (Recent Filing)
- $4.17T
- Price to Earnings (P/E)
- 5.5
- Beta
- 2.10
- Next Earnings
- Feb 16, 2027 (Est.)
- EPS Estimate
- 0.69
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Large, Growing Guarantee Platform
The $4.1 trillion guarantee book gives Fannie Mae substantial operating scale and a broad base for recurring fee income. Rising guarantee-fee revenue and strong single-family activity indicate continued relevance to lenders and investors, supporting durable earnings capacity.
Sustained Expense Discipline
Lower noninterest expense and an administrative ratio below 11% show that efficiency initiatives are translating into operating leverage. Maintaining disciplined costs can protect profitability when mortgage volumes, spreads, or portfolio income become less favorable.
Strong Single-family Credit Quality
Historically low single-family delinquencies and solid borrower credit metrics support the quality of the guarantee book. More conservative loan characteristics can reduce expected credit losses and help preserve earnings resilience across the next several quarters.
Bears Say
Extreme Balance-sheet Leverage
Extreme leverage leaves Fannie Mae with a comparatively thin equity cushion against changes in asset values, credit performance, or funding spreads. Although equity has been building, the scale of debt magnifies downside sensitivity and limits financial flexibility.
Persistent Multifamily Credit Stress
Expected additional multifamily delinquencies create a continuing source of provisions and charge-offs beyond the current reporting period. This pressure can reduce earnings and weaken capital efficiency, particularly as weaker valuations also reduce credit-risk-transfer relief.
Volatile Cash Generation
Inconsistent operating cash flow and sharply weaker recent free-cash-flow momentum make internal cash generation less dependable. That volatility is more consequential for a highly levered financial business because it can constrain flexibility during periods of credit or market stress.
Federal National Mortgage Association News
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Federal National Mortgage Association Stock Smart Score
Company Description
Federal National Mortgage Association
The Federal National Mortgage Association, commonly known as Fannie Mae, was established in 1938 and has its headquarters in Washington, D.C. Its fundamental purpose is to facilitate the flow of capital in the United States mortgage market, ensuring a consistent source of financing for home loans. Fannie Mae achieves this by transforming mortgage loans originated by various lenders into standardized investment products called Fannie Mae mortgage-backed securities (MBS). The organization operates through two distinct primary segments: 1. Single-Family Segment: This division is responsible for acquiring and securitizing a wide range of residential mortgage loans. These include conventional first-lien mortgages (both fixed and adjustable-rate), loans guaranteed by government agencies like the Federal Housing Administration (FHA), Department of Veterans Affairs (VA), and the U.S. Department of Agriculture's Rural Development Housing and Community Facilities Program, as well as manufactured housing loans and other related mortgage securities. Additionally, this segment provides mortgage servicing and comprehensive credit risk and loss management services for single-family properties. 2. Multifamily Segment: Focusing on properties with multiple dwelling units, this segment securitizes and purchases multifamily mortgage loans, converting them into Fannie Mae MBS. It also plays a role in public finance by offering credit enhancements for bonds issued by state and local housing authorities to support multifamily housing initiatives. Its activities further include issuing structured MBS backed by existing Fannie Mae multifamily MBS, trading multifamily agency mortgage-backed securities, and making investments in low-income housing tax credit (LIHTC) projects. Services provided by this segment encompass delegated underwriting, servicing, and robust credit risk and loss management for multifamily mortgages. Fannie Mae serves a diverse array of financial partners, including mortgage banking companies, various types of banks (savings and loan associations, savings banks, commercial banks, community banks), credit unions, insurance companies, private mortgage originators, and state and local housing finance agencies.
- Sector
- Financial
- Industry
- Financial - Mortgages
- CEO
- Peter Andrew Akwaboah
- Employees
- 7,000
- Website
- www.fanniemae.com
- Address
- Midtown Center, Washington, DC, 20005, US
Federal National Mortgage Association (0IL0) Earnings & Revenues
0IL0 Company Deck
0IL0 Earnings Call
Earnings Call SentimentPositive
The call emphasizes strong profitability, revenue growth, improved margins, disciplined expense management and meaningful mission impact (liquidity provided, households helped, appraisal savings). These positives are tempered by higher credit provisions and net charge-offs, ongoing multifamily market stress with expected additional delinquencies, and $150 million of unrealized AFS losses. Management highlighted operational efficiencies and capital strength (net worth >$116B) that mitigate risks and position the company to absorb near-term credit volatility.
View all GB:0IL0 earnings summaries0IL0 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 5 | 11 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 3 | 0 | 9 |
