Federal National Mortgage Association (FNMAP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Federal National Mortgage Association (FNMAP) trades at $11.00 with AI Score 50/100 (Grade B). Federal National Mortgage Association (FNMAP), also known as Fannie Mae, is a leading provider of mortgage financing in the U. Market cap: $6.59B, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for FNMAP: FNMAP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FNMAP against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FNMAP: the 2 scored disciplines are evenly split. Dominant signal: Izzy Englander bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Federal National Mortgage Association (FNMAP) Financial Services Profile
Federal National Mortgage Association (FNMAP) facilitates U.S. mortgage financing by securitizing loans into mortgage-backed securities. Operating through Single-Family and Multifamily segments, Fannie Mae serves various financial institutions and housing agencies, playing a crucial role in the housing market with a substantial market capitalization and high gross margin.
What Is the Investment Thesis for FNMAP?
Federal National Mortgage Association presents a compelling, albeit complex, investment case. With a market capitalization of $6.59B and a low P/E ratio of 2.18, the company appears undervalued. The high gross margin of 98.0% indicates efficient operations. Growth catalysts include increasing demand for housing and continued government support for mortgage markets. However, the company's high beta of 1.77 suggests significant volatility. The absence of dividends may deter some investors. The company's reliance on government policies and the overall health of the housing market are key factors to consider. FNMAP's role in securitizing mortgages makes it sensitive to interest rate fluctuations and economic downturns.
Based on FMP financials and quantitative analysis
FNMAP Key Highlights
- Market capitalization of $6.59B indicates substantial size and influence in the mortgage market.
- P/E ratio of 2.18 suggests potential undervaluation compared to industry peers.
- Profit margin of 15.2% reflects solid profitability in its core operations.
- Gross margin of 98.0% demonstrates efficient management of mortgage-related assets.
- Beta of 1.77 indicates higher volatility compared to the overall market, reflecting sensitivity to economic conditions.
Who Are FNMAP's Competitors?
FNMAP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BOLSY B3 S.A. - Brasil, Bolsa, Balcão | $9.16 | -2.24% | $15.3B | 56 |
| CGXYY China Galaxy Securities Co., Ltd. | $27.67 | +0.00% | $12.1B | 48 |
| CMSQF Computershare Limited | $28.69 | +1.62% | $16.6B | 46 |
| FMCC Federal Home Loan Mortgage Corporation | $5.53 | -4.66% | $3.59B | 55 |
| HELNF Helvetia Holding AG | $253.55 | +0.00% | $13.4B | 59 |
| FNMAT Federal National Mortgage Association | $7.95 | -0.29% | $6.54B | 52 |
| FNMAI Federal National Mortgage Association | $7.25 | +0.00% | $6.53B | 52 |
| FNMAK Federal National Mortgage Association | $12.96 | -5.41% | $6.42B | 52 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FNMAP's Key Strengths?
- Government-sponsored enterprise (GSE) status provides access to funding and regulatory support.
- Established infrastructure for securitizing and managing mortgage loans.
- Wide network of relationships with mortgage lenders and financial institutions.
- Expertise in credit risk management.
What Are FNMAP's Weaknesses?
- Reliance on government policies and regulatory environment.
- Sensitivity to interest rate fluctuations and economic downturns.
- Potential for political interference.
- Complex financial structure and reporting requirements.
What Could Drive FNMAP Stock Higher?
- Government support for the housing market and mortgage financing.
- Increasing demand for affordable housing across the United States.
- Potential regulatory reforms in the housing finance sector.
- Implementation of digital mortgage solutions to improve efficiency.
- Expansion in multifamily housing investments.
What Are the Key Risks for FNMAP?
- Financial-distress signal — its Altman Z-Score of 0.15 sits in the distress zone (elevated bankruptcy risk).
- Sensitivity to interest rate fluctuations and economic downturns.
- Changes in government policies and regulations.
- Increased competition from private mortgage lenders.
- Cybersecurity risks and data breaches.
- Reliance on government support, which could be reduced or eliminated.
What Are the Growth Opportunities for FNMAP?
- Expansion in Affordable Housing: Fannie Mae has a significant opportunity to expand its investments in affordable housing initiatives. With increasing demand for affordable housing across the United States, FNMAP can leverage its expertise in securitizing multifamily mortgage loans and investing in low-income housing tax credit (LIHTC) projects. This expansion can be supported by government incentives and partnerships with state and local housing finance agencies, potentially growing this segment by 15% annually over the next five years.
- Digital Mortgage Solutions: Implementing and scaling digital mortgage solutions can significantly improve efficiency and reduce costs. By leveraging technology to streamline the mortgage origination and servicing processes, Fannie Mae can attract a broader range of customers and enhance customer satisfaction. This includes adopting AI-powered underwriting and automated loan processing systems, potentially increasing market share by 10% within three years.
- Credit Risk Management Services: Enhancing and expanding credit risk management services can generate additional revenue streams for Fannie Mae. By providing advanced risk assessment and mitigation tools to mortgage lenders, FNMAP can help them make more informed lending decisions and reduce the risk of defaults. This service offering can be marketed to a wider range of financial institutions, potentially growing this segment by 20% over the next two years.
- Multifamily Housing Investments: Continued investment in multifamily housing projects presents a significant growth opportunity. With increasing urbanization and a growing demand for rental housing, Fannie Mae can expand its portfolio of multifamily mortgage-backed securities and credit enhancements for bonds issued by state and local housing finance authorities. This can be supported by favorable demographic trends and government policies promoting multifamily housing development, potentially increasing this segment by 12% annually over the next four years.
- Strategic Partnerships: Forming strategic partnerships with fintech companies and other financial institutions can drive innovation and expand Fannie Mae's reach. By collaborating with companies that specialize in mortgage technology, data analytics, and customer engagement, FNMAP can develop new products and services that meet the evolving needs of the market. These partnerships can lead to increased market penetration and revenue growth, potentially adding 8% to the top line within three years.
What Opportunities Does FNMAP Have?
- Expansion in affordable housing initiatives.
- Adoption of digital mortgage solutions.
- Growth in multifamily housing investments.
- Strategic partnerships with fintech companies.
What Threats Does FNMAP Face?
- Changes in government policies and regulations.
- Increased competition from private mortgage lenders.
- Economic downturns and housing market corrections.
- Cybersecurity risks and data breaches.
What Are FNMAP's Competitive Advantages?
- Government-sponsored enterprise (GSE) status provides a significant competitive advantage.
- Established relationships with a wide range of mortgage lenders and financial institutions.
- Expertise in securitizing mortgage loans and managing credit risk.
- Scale and scope of operations provide economies of scale.
- Brand recognition and trust in the Fannie Mae MBS.
What Does FNMAP Do?
Founded in 1938 and headquartered in Washington, D.C., Federal National Mortgage Association (FNMAP), commonly known as Fannie Mae, plays a vital role in the U.S. housing market by providing a source of financing for mortgages. The company securitizes mortgage loans originated by lenders into Fannie Mae mortgage-backed securities (MBS), which are then sold to investors. This process helps to ensure a continuous flow of funds into the mortgage market, making homeownership more accessible. Fannie Mae operates through two primary segments: Single-Family and Multifamily. The Single-Family segment focuses on securitizing and purchasing single-family mortgage loans, including fixed-rate and adjustable-rate mortgages, as well as loans insured by the Federal Housing Administration (FHA) and guaranteed by the Department of Veterans Affairs (VA). It also provides mortgage servicing and credit risk management services. The Multifamily segment securitizes multifamily mortgage loans into Fannie Mae MBS, purchases multifamily mortgage loans, and provides credit enhancement for bonds issued by state and local housing finance authorities. This segment also invests in low-income housing tax credit (LIHTC) multifamily projects. Fannie Mae serves a wide range of customers, including mortgage banking companies, savings and loan associations, commercial banks, credit unions, and insurance companies. Its activities are crucial for maintaining liquidity and stability in the U.S. mortgage market.
What Products and Services Does FNMAP Offer?
- Securitizes mortgage loans originated by lenders into Fannie Mae mortgage-backed securities (MBS).
- Purchases single-family and multifamily mortgage loans.
- Provides credit enhancement for bonds issued by state and local housing finance authorities.
- Offers delegated underwriting and servicing for multifamily mortgages.
- Invests in low-income housing tax credit (LIHTC) multifamily projects.
- Provides single-family mortgage servicing and credit risk management services.
- Issues structured MBS backed by Fannie Mae multifamily MBS.
- Buys and sells multifamily agency mortgage-backed securities.
How Does FNMAP Make Money?
- Generates revenue by securitizing mortgage loans into Fannie Mae MBS and charging fees for this service.
- Earns income from the interest rate spread between the mortgages it holds and the securities it issues.
- Provides credit enhancement services for bonds issued by state and local housing finance authorities, earning fees for this service.
- Invests in low-income housing tax credit (LIHTC) multifamily projects, generating returns from these investments.
What Industry Does FNMAP Operate In?
Federal National Mortgage Association operates within the financial services sector, specifically in the mortgage industry. The U.S. mortgage market is heavily influenced by interest rates, government policies, and economic conditions. FNMAP competes with other government-sponsored enterprises (GSEs) like Federal Home Loan Mortgage Corporation (FMCC), also known as Freddie Mac, as well as private mortgage lenders and securitizers. The industry is currently experiencing increased regulatory scrutiny and debates over housing finance reform. Market trends include a growing demand for affordable housing and increasing adoption of digital mortgage technologies.
Who Are FNMAP's Key Customers?
- Mortgage banking companies
- Savings and loan associations
- Commercial banks
- Credit unions
- Insurance companies
- Private mortgage originators
- State and local housing finance agencies
FY2026 estForward Outlook
Wall Street analysts project Federal National Mortgage Association revenue of about $29.26B for fiscal 2026, with EPS near $2.54. The estimate reflects 5 contributing analysts.
F-Score 6/9Financial Health
Federal National Mortgage Association's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.15 places it in the distress zone, a signal of elevated financial risk.
ROE 13%Key Financial Metrics
Return on equity for Federal National Mortgage Association stands at 13.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. FNMAP trades at a trailing price-to-earnings ratio of 2.65, below the Financial Services sector average of ~18x. A current ratio of 0.71 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 37.8%, the inverse of the P/E and a quick read on earnings relative to price.
Federal National Mortgage Association (FNMAP) Valuation Context
Valued at $6.59B, FNMAP is classified as a mid-cap stock. Relative to its peer group, FNMAP's quantitative score of 50/100 is roughly in line with the peer average of 53/100.
Company Profile
Federal National Mortgage Association operates in the Financial - Mortgages industry within the Financial Services sector. It is headquartered in Washington, US. The company is led by CEO Peter Akwaboah. FNMAP has traded publicly since 2000.
FNMAP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Insider buying has increased recently, signaling confidence from leadership in the company's future.
- Community sentiment has turned positive, with discussions highlighting FNMAP's stability in a fluctuating market.
- Recent regulatory changes are perceived as favorable, potentially enhancing FNMAP's operational environment.
- Market analysts are optimistic about the housing sector's recovery, which could benefit FNMAP's portfolio.
Bear Case
- Concerns about rising interest rates are prevalent, which could impact FNMAP's profitability and mortgage demand.
- Social sentiment has shown some skepticism, with discussions around potential market corrections affecting mortgage-backed securities.
- The competitive landscape in the mortgage sector is intensifying, raising questions about FNMAP's market share and growth potential.
- Recent reports indicate challenges in the housing market that may hinder FNMAP's performance in the short term.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FNMAP Latest News
-
Fannie Mae Releases May 2026 Monthly Summary
PR Newswire · Jun 26, 2026
-
Fannie, Freddie Stock Drops on Pulte’s National Intelligence Appointment
The Wall Street Journal · Jun 2, 2026
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Housing chief to top spy: Pulte named acting DNI in historic shakeup
Investing.com · Jun 2, 2026
FNMAP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FNMAP.
Price Targets
Wall Street price target analysis for FNMAP.
FNMAP MoonshotScore
What does this score mean?
The MoonshotScore rates FNMAP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Peter Andrew Akwaboah
Unknown
Information on Peter Andrew Akwaboah's background is not available in the provided data. Therefore, a detailed biography cannot be provided. Further research would be needed to gather information about his career history, education, and previous roles.
Track Record: Information on Peter Andrew Akwaboah's track record is not available in the provided data. Therefore, a detailed summary of his key achievements, strategic decisions, and company milestones under his leadership cannot be provided. Further research would be needed to gather this information.
FNMAP OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Federal National Mortgage Association (FNMAP) does not meet the listing requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited financial disclosure and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier is generally associated with higher risk and greater potential for volatility compared to exchange-listed stocks.
- OTC Tier: OTC Other
- Limited financial disclosure may make it difficult to assess the company's financial health and performance.
- Lower trading volume and liquidity can lead to increased price volatility.
- Less regulatory oversight compared to exchange-listed companies.
- Potential for fraud or manipulation due to the less stringent listing requirements.
- Higher risk of delisting or trading suspension.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any regulatory actions or legal disputes involving the company.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Established history as a government-sponsored enterprise (GSE).
- Significant market capitalization indicates substantial size and influence.
- Role in the U.S. mortgage market provides a clear business purpose.
- Operations are subject to some level of government oversight, even on the OTC market.
- High gross margin suggests efficient operations.
FNMAP Financial Services Stock FAQ
What does the AI Score mean for FNMAP?
FNMAP holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Federal National Mortgage Association (FNMAP), also known as Fannie Mae, is a leading provider of mortgage financing in the U.S. They securitize mortgage loans into Fannie Mae MBS, operating …
What does Federal National Mortgage Association do?
Federal National Mortgage Association (Fannie Mae) plays a crucial role in the U.S. housing market by providing a source of financing for mortgages. It securitizes mortgage loans originated by lenders into Fannie Mae mortgage-backed securities (MBS), which are then sold to investors. This process helps to ensure a continuous flow of funds into the mortgage market, making homeownership more accessible.
What are the main risks for FNMAP?
Federal National Mortgage Association faces several key risks, including sensitivity to interest rate fluctuations and economic downturns, which can impact mortgage demand and credit quality. Changes in government policies and regulations pose a significant risk, as FNMAP's operations are heavily influenced by the regulatory environment. Increased competition from private mortgage lenders and cybersecurity risks also present challenges.
What are the key factors to evaluate for FNMAP?
Federal National Mortgage Association (FNMAP) holds an AI score of 50/100 (moderate). Not financial advice.
How frequently does FNMAP data refresh on this page?
FNMAP's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FNMAP's recent stock price performance?
Federal National Mortgage Association (FNMAP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Government-sponsored enterprise (GSE) status provides access to funding and regulatory support. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FNMAP overvalued or undervalued right now?
Federal National Mortgage Association (FNMAP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FNMAP before investing?
Before investing in Federal National Mortgage Association (FNMAP), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding FNMAP to a portfolio?
Key strength of Federal National Mortgage Association (FNMAP): Government-sponsored enterprise (GSE) status provides access to funding and regulatory support. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-03-18.
- AI analysis is pending for FNMAP, which may provide additional insights.
- OTC market data may be less reliable than exchange-listed data.