📊 FNMAP Key Takeaways
Is FNMAP a Good Investment? Thesis Analysis
Fannie Mae demonstrates solid profitability with 9.1% net margins and strong operating cash flow of $24B, but faces critical solvency concerns with a 38.12x debt-to-equity ratio and dangerously low 0.6x interest coverage that suggests limited financial flexibility. The extreme 159,500% YoY net income growth appears anomalous and likely reflects recovery from prior losses rather than sustainable operational improvement.
Why Buy FNMAP? Key Strengths
- Strong absolute cash generation with $24B operating cash flow
- Solid net profit margin of 9.1% demonstrating operational efficiency
- Reasonable 13.2% return on equity indicating acceptable shareholder returns
- Substantial revenue base of $158.6B providing scale
FNMAP Investment Risks to Consider
- Critically high leverage with 38.12x debt-to-equity ratio indicating systemic financial risk
- Dangerously low interest coverage of 0.6x suggests inability to service debt from operations
- Government-sponsored enterprise status creates political and regulatory execution risk
- Extreme YoY metrics suggest volatility and potential accounting normalization effects rather than true growth
- Minimal ROA of 0.3% despite $4.3T asset base indicates poor asset utilization efficiency
Key Metrics to Watch
- Interest coverage ratio trend - must improve above 1.5x for safety
- Debt-to-equity ratio - target below 20x for federally-sponsored entity
- Net interest margin sustainability amid rate environment changes
- Operating cash flow consistency and quality
- Regulatory capital requirements and compliance status
FNMAP Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FNMAP Profitability Ratios
FNMAP vs Default Sector
How FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FNMAP Overvalued or Undervalued?
Based on fundamental analysis, FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE has mixed fundamental signals relative to the Default sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
FNMAP Balance Sheet & Liquidity
FNMAP 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.00 indicates the company is currently unprofitable.
FNMAP Growth Metrics (YoY)
FNMAP Capital Allocation
FNMAP SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE (CIK: 0000310522)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FNMAP
What is the AI rating for FNMAP?
FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE (FNMAP) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FNMAP's key strengths?
Claude: Strong absolute cash generation with $24B operating cash flow. Solid net profit margin of 9.1% demonstrating operational efficiency.
What are the risks of investing in FNMAP?
Claude: Critically high leverage with 38.12x debt-to-equity ratio indicating systemic financial risk. Dangerously low interest coverage of 0.6x suggests inability to service debt from operations.
What is FNMAP's revenue and growth?
FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE reported revenue of $158.6B.
Does FNMAP pay dividends?
FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE does not currently pay dividends.
Where can I find FNMAP SEC filings?
Official SEC filings for FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE (CIK: 0000310522) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FNMAP's EPS?
FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE has a diluted EPS of $0.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FNMAP a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE has a HOLD rating with 62% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FNMAP stock overvalued or undervalued?
Valuation metrics for FNMAP: ROE of 13.2% (sector avg: 15%), net margin of 9.1% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy FNMAP stock in 2026?
Our dual AI analysis gives FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FNMAP's free cash flow?
FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE's operating cash flow is $24.0B, with capital expenditures of N/A. FCF margin is 15.1%.
How does FNMAP compare to other Default stocks?
Vs Default sector averages: Net margin 9.1% (avg: 12%), ROE 13.2% (avg: 15%), current ratio N/A (avg: 1.8).