BUE:FNMA's ROE % is ranked better than 73.69% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs BUE:FNMA: 13.68
Federal National Mortgage Association Fannie Mae (BUE:FNMA) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Federal National Mortgage Association Fannie Mae ROE % Related Terms
Federal National Mortgage Association Fannie Mae ROE % 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 ROE % 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 ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Federal National Mortgage Association Fannie Mae (BUE:FNMA) has a ROE % of 13.18% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Federal National Mortgage Association Fannie Mae and its competitors. This is 78% below median its historical median of 60.15. Over the past decade, Federal National Mortgage Association Fannie Mae's ROE % has ranged from 13.68 to 1,249.73. According to the industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #401 out of 1524 companies in the Banks industry, placing it in the top 26.3%.
Is Federal National Mortgage Association Fannie Mae's ROE % too high?
Federal National Mortgage Association Fannie Mae's current ROE % of 13.18% is 78% below median its 10-year median of 60.15. Over the past 10 years, this metric has ranged from a low of 13.68 to a high of 1,249.73. The Banks industry median ROE % is 10.22. Federal National Mortgage Association Fannie Mae's value of 13.18% is 29% above this industry median. Based on the distribution chart, Federal National Mortgage Association Fannie Mae ranks #401 out of 1524 companies in the Banks industry, which is above the industry midpoint. 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 ROE % compare to PFSI and FMCC?
According to the Banks industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #401 out of 1524 companies for ROE %. This puts Federal National Mortgage Association Fannie Mae in the upper half of its industry. The industry median ROE % is 10.22. Federal National Mortgage Association Fannie Mae's value of 13.18% is 29% above this benchmark. Historically, Federal National Mortgage Association Fannie Mae's own ROE % has ranged from 13.68 to 1,249.73 over the past decade. While the company's 10-year median is 60.15 vs. the industry median of 10.22, Federal National Mortgage Association Fannie Mae has consistently been above 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % of 13.18% is 29% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Federal National Mortgage Association Fannie Mae and its competitors. For the Banks industry, the median ROE % is 10.22 — 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 ROE % is 13.18%, which is 78% below median its own 10-year median of 60.15. 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 ROE % is 13.18%, which is 78% below median its 10-year median of 60.15 and 29% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Federal National Mortgage Association Fannie Mae (BUE:FNMA), the current ROE % is 13.18% 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:
ROE %: 13.18% (78% below median its 10-year median of 60.15)
GF Value™: ARS3,989.75 vs. price of ARS10,990.00 (175.5% above fair value)
Industry Position: 29% above the Banks median (#401 of 1524)
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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