BUE:FNMA's ROA % is ranked worse than 85.55% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs BUE:FNMA: 0.33
Federal National Mortgage Association Fannie Mae (BUE:FNMA) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Federal National Mortgage Association Fannie Mae ROA % Related Terms
Federal National Mortgage Association Fannie Mae ROA % 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 ROA % 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 ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Federal National Mortgage Association Fannie Mae (BUE:FNMA) has a ROA % of 0.34% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Federal National Mortgage Association Fannie Mae and its competitors. This is 13% below median its historical median of 0.39. Over the past decade, Federal National Mortgage Association Fannie Mae's ROA % has ranged from 0.07 to 0.54. According to the industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #1308 out of 1529 companies in the Banks industry, placing it in the top 85.5%.
Is Federal National Mortgage Association Fannie Mae's ROA % too high?
Federal National Mortgage Association Fannie Mae's current ROA % of 0.34% is 13% below median its 10-year median of 0.39. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.54. The Banks industry median ROA % is 0.98. Federal National Mortgage Association Fannie Mae's value of 0.34% is 65.3% below this industry median. Based on the distribution chart, Federal National Mortgage Association Fannie Mae ranks #1308 out of 1529 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 10/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Federal National Mortgage Association Fannie Mae's ROA % compare to PFSI and FMCC?
According to the Banks industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #1308 out of 1529 companies for ROA %. This places Federal National Mortgage Association Fannie Mae in the lower half of its industry. The industry median ROA % is 0.98. Federal National Mortgage Association Fannie Mae's value of 0.34% is 65.3% below this benchmark. Historically, Federal National Mortgage Association Fannie Mae's own ROA % has ranged from 0.07 to 0.54 over the past decade. While the company's 10-year median is 0.39 vs. the industry median of 0.98, Federal National Mortgage Association Fannie Mae has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % 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 ROA % of 0.34% is 65.3% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Federal National Mortgage Association Fannie Mae and its competitors. For the Banks industry, the median ROA % is 0.98 — 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 ROA % is 0.34%, which is 13% below median its own 10-year median of 0.39. 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 ARS3,989.75, compared to a current price of ARS10,990.00 — trading 175.5% above its estimated fair value. The current ROA % is 0.34%, which is 13% below median its 10-year median of 0.39 and 65.3% below the Banks industry median of 0.98. Federal National Mortgage Association Fannie Mae's overall GF Score™ is 10/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Federal National Mortgage Association Fannie Mae (BUE:FNMA), the current ROA % is 0.34% as of Mar. 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 ARS10,990.00 is trading 175.5% above its estimated GF Value™ of ARS3,989.75.
GuruFocus considers Federal National Mortgage Association Fannie Mae to be Significantly Overvalued.
Key valuation signals for BUE:FNMA:
ROA %: 0.34% (13% below median its 10-year median of 0.39)
GF Value™: ARS3,989.75 vs. price of ARS10,990.00 (175.5% above fair value)
Industry Position: 65.3% below the Banks median (#1308 of 1529)
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
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.
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