Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Federal National Mortgage Association Fannie Mae has a Cash Ratio of 1.02. It generally indicates that the company is able to cover all short-term debt and still have cash remaining.
Federal National Mortgage Association Fannie Mae (STU:FNM) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Federal National Mortgage Association Fannie Mae Cash Ratio Related Terms
Federal National Mortgage Association Fannie Mae Cash Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Federal National Mortgage Association Fannie Mae Cash Ratio Chart
Federal National Mortgage Association Fannie Mae Annual Data
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Federal National Mortgage Association Fannie Mae Cash Ratio vs Banks Industry
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Federal National Mortgage Association Fannie Mae (STU:FNM) has a Cash Ratio of 1.02 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Federal National Mortgage Association Fannie Mae and its competitors. According to the industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #999999 out of 47 companies in the Banks industry.
Is Federal National Mortgage Association Fannie Mae's Cash Ratio too high?
Federal National Mortgage Association Fannie Mae's current Cash Ratio is 1.02. The Banks industry median Cash Ratio is 0.38. Federal National Mortgage Association Fannie Mae's value of 1.02 is 168.4% above this industry median. Based on the distribution chart, Federal National Mortgage Association Fannie Mae ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Federal National Mortgage Association Fannie Mae has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Federal National Mortgage Association Fannie Mae's Cash Ratio compare to PFSI and FMCC?
According to the Banks industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #999999 out of 47 companies for Cash Ratio. This places Federal National Mortgage Association Fannie Mae in the lower half of its industry. The industry median Cash Ratio is 0.38. Federal National Mortgage Association Fannie Mae's value of 1.02 is 168.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Banks company?
The median Cash Ratio among Banks companies is 0.38, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Federal National Mortgage Association Fannie Mae's current Cash Ratio of 1.02 is 168.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Federal National Mortgage Association Fannie Mae and its competitors. For the Banks industry, the median Cash Ratio is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Federal National Mortgage Association Fannie Mae's current Cash Ratio is 1.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Federal National Mortgage Association Fannie Mae stock overvalued right now?
Based on GuruFocus' analysis, Federal National Mortgage Association Fannie Mae (STU:FNM) is currently considered Significantly Overvalued. The stock's GF Value™ is €2.67, compared to a current price of €4.35 — trading 62.9% above its estimated fair value. The current Cash Ratio is 1.02 and 168.4% above the Banks industry median of 0.38. Federal National Mortgage Association Fannie Mae's overall GF Score™ is 54/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Federal National Mortgage Association Fannie Mae (STU:FNM), the current Cash Ratio is 1.02 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Federal National Mortgage Association Fannie Mae (STU:FNM) Overvalued in 2026?
Based on GuruFocus' analysis, Federal National Mortgage Association Fannie Mae stock appears to be overvalued.
The current stock price of €4.35 is trading 62.9% above its estimated GF Value™ of €2.67.
GuruFocus considers Federal National Mortgage Association Fannie Mae to be Significantly Overvalued.
Key valuation signals for STU:FNM:
Cash Ratio: 1.02
GF Value™: €2.67 vs. price of €4.35 (62.9% above fair value)
Industry Position: 168.4% above the Banks median (#999999 of 47)
No single metric tells the full story. See the STU:FNM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Federal National Mortgage Association Fannie Mae is a source of financing for mortgages in the United States. The company has two segments namely the Single-Family business that operates in the secondary mortgage market relating to single-family mortgage loans, which are secured by properties containing four or fewer residential dwelling units and the Multifamily business operates in the secondary mortgage market relating mainly to multifamily mortgage loans, which are secured by properties containing five or more residential units. The majority of the revenue is derived from the Single-Family segment.
54GF Score
Get the complete analysis for STU:FNM
Cash Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:FNM has been successfully added to your 
