Federal National Mortgage Association Fannie Mae (BUE:FNMA) Moat Score: 6/10 (As of Jul. 01, 2026)


BUE:FNMA Federal National Mortgage Association Fannie Mae BUE:FNMA
15 GF Score
Price ARS10,800.00
GF Value ARS4,054.53
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Federal National Mortgage Association Fannie Mae Moat Score?

Federal National Mortgage Association Fannie Mae BUE:FNMA -1.73% 15 Moat Score is 6 as of Jul. 01, 2026. GuruFocus rates BUE:FNMA with a GF Score™ of 15/100 and a GF Value™ of ARS4,054.53 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,611 Banks companies, Federal National Mortgage Association Fannie Mae ranks better than 97.83% on this metric.

Federal National Mortgage Association Fannie Mae has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Federal National Mortgage Association Fannie Mae has Narrow Moat: Fannie Mae has a strong narrow moat due to its government-sponsored enterprise status, significant regulatory barriers, and extensive distribution network in the mortgage market. However, it is subject to regulatory changes.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Federal National Mortgage Association Fannie Mae might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Federal National Mortgage Association Fannie Mae  (BUE:FNMA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Federal National Mortgage Association Fannie Mae Moat Score Related Terms

BUE:FNMA vs PFSI, FMCC, WD: Moat Score Comparison

For the Mortgage Finance subindustry, Federal National Mortgage Association Fannie Mae's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Federal National Mortgage Association Fannie Mae's Moat Score distribution charts can be found below:

* The bar in red indicates where Federal National Mortgage Association Fannie Mae's Moat Score falls into.


BUE:FNMA
15GF Score
Federal National Mortgage Association Fannie Mae BUE:FNMA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Federal National Mortgage Association Fannie Mae (BUE:FNMA) has a Moat Score of 6 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #35 out of 1611 companies in the Banks industry, placing it in the top 2.2%.
Is Federal National Mortgage Association Fannie Mae's Moat Score too high?
Federal National Mortgage Association Fannie Mae's current Moat Score is 6. Based on the distribution chart, Federal National Mortgage Association Fannie Mae ranks #35 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Federal National Mortgage Association Fannie Mae has a GF Score™ of 15/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Federal National Mortgage Association Fannie Mae's Moat Score compare to PFSI and FMCC?
According to the Banks industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #35 out of 1611 companies for Moat Score. This places Federal National Mortgage Association Fannie Mae in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Federal National Mortgage Association Fannie Mae's current Moat Score is 6. 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 (BUE:FNMA) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS4,054.53, compared to a current price of ARS10,800.00 — trading 166.4% above its estimated fair value. The current Moat Score is 6. Federal National Mortgage Association Fannie Mae's overall GF Score™ is 15/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Federal National Mortgage Association Fannie Mae (BUE:FNMA), the current Moat Score is 6 as of Jul. 01, 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 (BUE:FNMA) Overvalued in 2026?

Based on GuruFocus' analysis, Federal National Mortgage Association Fannie Mae stock appears to be overvalued. The current stock price of ARS10,800.00 is trading 166.4% above its estimated GF Value™ of ARS4,054.53. GuruFocus considers Federal National Mortgage Association Fannie Mae to be Significantly Overvalued.

Key valuation signals for BUE:FNMA:

  • Moat Score: 6
  • GF Value™: ARS4,054.53 vs. price of ARS10,800.00 (166.4% above fair value)
  • GF Score™: 15/100 with 3 warning signs

No single metric tells the full story. See the BUE:FNMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Federal National Mortgage Association Fannie Mae Business Description

Address 1100 15th Street, NW, Midtown Center, Washington, DC, USA, 20005
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.
15GF Score

Get the complete analysis for BUE:FNMA

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ARS10,800.00
Price
ARS4,054.53
GF Value