Financial Ratios Federal National Mortgage Association

Equities

FNMA

US3135861090

Banks

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26/06	FHFA's Pulte Orders Fannie, Freddie to Consider Crypto as Mortgage Asset	DJ
26/06	Regulator orders Fannie, Freddie to consider crypto holdings in loan assessments	RE

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Published financial data: FEDERAL NATIONAL MORTGAGE ASSOCIATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	11TCr	10TCr	12TCr	14TCr	15TCr
Interest Expense, Total	8.35TCr	6.97TCr	9.05TCr	11TCr	12TCr
Net Interest Income	2.5TCr	3.13TCr	2.95TCr	2.9TCr	2.94TCr
Commission and Fees	46Cr	36Cr	31Cr	28Cr	32Cr
Other Revenues, Total	-176.8Cr	-21Cr	102.6Cr	94Cr	110.8Cr
Revenues Before Provison For Loan Losses	2.37TCr	3.15TCr	3.08TCr	3.03TCr	3.09TCr
Provision For Loan Losses	68Cr	-513Cr	627.7Cr	-167Cr	-19Cr
Total Revenues	2.3TCr	3.66TCr	2.45TCr	3.19TCr	3.11TCr
Salaries And Other Employee Benefits	155.4Cr	149.3Cr	167.1Cr	190.6Cr	200.4Cr
Cost of Services Provided, Total	151.4Cr	157.2Cr	165.8Cr	169.8Cr	538.1Cr
Other Operating Expenses	398.1Cr	432.6Cr	428.7Cr	470.4Cr	94Cr
Total Operating Expenses	704.9Cr	739.1Cr	761.6Cr	830.8Cr	832.2Cr
Operating Income	1.6TCr	2.92TCr	1.69TCr	2.36TCr	2.27TCr
Income (Loss) on Equity Invest.	-	-	-	-	-
Currency Exchange Gains (Loss)	2.3Cr	-2.6Cr	-8.7Cr	3.2Cr	-1.5Cr
Other Non Operating Income (Expenses)	-112.8Cr	-124.5Cr	-60Cr	-170.5Cr	-144.7Cr
EBT, Excl. Unusual Items	1.49TCr	2.79TCr	1.62TCr	2.2TCr	2.13TCr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	1.49TCr	2.79TCr	1.62TCr	2.2TCr	2.13TCr
Income Tax Expense	307.4Cr	577.3Cr	331Cr	454.8Cr	429.1Cr
Earnings From Continuing Operations	1.18TCr	2.22TCr	1.29TCr	1.74TCr	1.7TCr
Net Income to Company	1.18TCr	2.22TCr	1.29TCr	1.74TCr	1.7TCr
Minority Interest	-	-	-	-	-
Net Income - (IS)	1.18TCr	2.22TCr	1.29TCr	1.74TCr	1.7TCr
Preferred Dividend and Other Adjustments	1.18TCr	2.21TCr	1.29TCr	1.74TCr	1.7TCr
Net Income to Common Incl Extra Items	1.5Cr	7.8Cr	30L	30L	30L
Net Income to Common Excl. Extra Items	1.5Cr	7.8Cr	30L	30L	30L
Per Share Items
Net EPS - Basic	0	0.01	0	0	0
Basic EPS - Continuing Operations	0	0.01	0	0	0
Basic Weighted Average Shares Outstanding	586.7Cr	586.7Cr	586.7Cr	586.7Cr	586.7Cr
Net EPS - Diluted	0	0.01	0	0	0
Diluted EPS - Continuing Operations	0	0.01	0	0	0
Diluted Weighted Average Shares Outstanding	589.3Cr	589.3Cr	589.3Cr	589.3Cr	589.3Cr
Normalized Basic EPS	1.59	2.98	1.73	2.34	2.27
Normalized Diluted EPS	1.58	2.96	1.72	2.33	2.26
Payout Ratio	-	-	-	-	-
Supplemental Items
Effective Tax Rate - (Ratio)	20.66	20.66	20.39	20.71	20.17
Current Domestic Taxes	380.3Cr	552.1Cr	350.5Cr	331.7Cr	315.4Cr
Total Current Taxes	380.3Cr	552.1Cr	350.5Cr	331.7Cr	315.4Cr
Deferred Domestic Taxes	-73Cr	25Cr	-20Cr	123.1Cr	113.7Cr
Total Deferred Taxes	-73Cr	25Cr	-20Cr	123.1Cr	113.7Cr
Normalized Net Income	929.94Cr	1.75TCr	1.01TCr	1.37TCr	1.33TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	6.65TCr	4.24TCr	5.8TCr	3.58TCr	3.89TCr
Long-Term Investments - (FS Template)	169.7Cr	2.16TCr	6.54TCr	8.38TCr	1.64TCr
Trading Asset Securities, Total	13TCr	8.42TCr	18Cr	20Cr	7TCr
Loans and Lease Receivables - (FS Template)	3,65900Cr	3,97200Cr	4,11400Cr	4,13500Cr	4,13900Cr
Other Receivables	1.05TCr	979.9Cr	987.4Cr	1.08TCr	1.16TCr
Loans Held For Sale	519.7Cr	513.4Cr	203.3Cr	214.9Cr	37Cr
Restricted Cash	7.73TCr	6.62TCr	2.99TCr	3.29TCr	4TCr
Other Current Assets, Total	654.4Cr	422.4Cr	-	-	890Cr
Deferred Tax Assets Long-Term (Collected)	1.29TCr	1.27TCr	1.29TCr	1.17TCr	1.05TCr
Other Long-Term Assets, Total	1.47TCr	1.14TCr	1.32TCr	1.32TCr	1.36TCr
Total Assets	3,98600Cr	4,22900Cr	4,30500Cr	4,32500Cr	4,35000Cr
Liabilities
Accrued Expenses, Total	971.9Cr	918.6Cr	991.7Cr	1.09TCr	1.24TCr
Short-Term Borrowings	1.37TCr	302.8Cr	1.04TCr	1.75TCr	1.13TCr
Current Portion of Long-Term Debt	6.66TCr	6.56TCr	2.32TCr	2.34TCr	3.83TCr
Long-Term Debt	3,85700Cr	4,09000Cr	4,18800Cr	4,18200Cr	4,17900Cr
Other Non Current Liabilities	1.35TCr	1.42TCr	1.3TCr	1.4TCr	1.44TCr
Total Liabilities	3,96000Cr	4,18200Cr	4,24500Cr	4,24800Cr	4,25500Cr
Preferred Stock Redeemable	13TCr	13TCr	13TCr	13TCr	13TCr
Preferred Stock Convertible	1.36TCr	1.36TCr	1.36TCr	1.36TCr	1.36TCr
Total Preferred Equity	14TCr	14TCr	14TCr	14TCr	14TCr
Common Stock, Total	69Cr	69Cr	69Cr	69Cr	69Cr
Retained Earnings	-11TCr	-8.59TCr	-7.3TCr	-5.56TCr	-3.86TCr
Treasury Stock	-740Cr	-740Cr	-740Cr	-740Cr	-740Cr
Comprehensive Income and Other	12Cr	3.8Cr	3.5Cr	3.2Cr	2.9Cr
Total Common Equity	-11TCr	-9.26TCr	-7.97TCr	-6.23TCr	-4.53TCr
Minority Interest	-	-	-	-	-
Total Equity	2.53TCr	4.74TCr	6.03TCr	7.77TCr	9.47TCr
Total Liabilities And Equity	3,98600Cr	4,22900Cr	4,30500Cr	4,32500Cr	4,35000Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	573.88Cr	573.88Cr	573.88Cr	573.88Cr	573.88Cr
ECS Total Common Shares Outstanding	573.88Cr	573.88Cr	573.88Cr	573.88Cr	573.88Cr
Book Value / Share	-19.99	-16.14	-13.89	-10.85	-7.9
Tangible Book Value	-11TCr	-9.26TCr	-7.97TCr	-6.23TCr	-4.53TCr
Tangible Book Value Per Share	-19.99	-16.14	-13.89	-10.85	-7.9
Total Debt	3,93700Cr	4,15800Cr	4,22200Cr	4,22300Cr	4,22800Cr
Net Debt	3,73900Cr	4,01100Cr	4,14900Cr	4,15600Cr	4,10300Cr
Full Time Employees	7.7T	7.4T	8T	8.1T	8.2T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.18TCr	2.22TCr	1.29TCr	1.74TCr	1.7TCr
(Gain) Loss On Sale of Asset - (CF)	-92Cr	-178Cr	-178.2Cr	-118.2Cr	-77Cr
Total Asset Writedown	-261.8Cr	-199.6Cr	36Cr	-76Cr	-111.6Cr
Provision for Credit Losses	68Cr	-513Cr	627.7Cr	-147.7Cr	-38Cr
Change in Trading Asset Securities	-7.37TCr	4.7TCr	3.48TCr	-107.7Cr	-2.53TCr
Other Operating Activities	-821.6Cr	-1.3TCr	-874Cr	-102.9Cr	7.7Cr
Cash from Operations	-7.29TCr	4.72TCr	4.38TCr	1.19TCr	-1.05TCr
Sale of Property, Plant, and Equipment	599.1Cr	353.6Cr	269.4Cr	462.2Cr	363.6Cr
Investment in Marketable and Equity Securities, Total	88Cr	105.2Cr	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Investing	3.41TCr	7.91TCr	8.24TCr	11TCr	14TCr
Other Investing Activities, Total	-1.43TCr	711.6Cr	507.5Cr	-1.63TCr	1.52TCr
Cash from Investing	2.67TCr	9.08TCr	9.01TCr	9.92TCr	16TCr
Long-Term Debt Issued, Total	1,67100Cr	1,41500Cr	81TCr	64TCr	69TCr
Total Debt Issued	1,67100Cr	1,41500Cr	81TCr	64TCr	69TCr
Long-Term Debt Repaid, Total	-1,57000Cr	-1,56000Cr	-97TCr	-77TCr	-83TCr
Total Debt Repaid	-1,57000Cr	-1,56000Cr	-97TCr	-77TCr	-83TCr
Issuance of Preferred Stock	-	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Other Financing Activities, Total	-51Cr	6.9Cr	-	-	-30L
Cash from Financing	10TCr	-15TCr	-15TCr	-13TCr	-14TCr
Net Change in Cash	5.42TCr	-699.2Cr	-2.08TCr	-1.91TCr	1.01TCr
Supplemental Items
Cash Interest Paid	11TCr	11TCr	10TCr	12TCr	13TCr
Cash Income Tax Paid (Refund)	395Cr	550Cr	351.1Cr	275Cr	287.1Cr
Net Debt Issued / Repaid	10TCr	-15TCr	-15TCr	-13TCr	-14TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.32	0.54	0.3	0.4	0.39
Return On Equity %	59.22	61.08	24.01	25.24	19.7
Return on Common Equity	-0.01	-0.08	-0	-0	-0.01
Margin Analysis
Gross Profit Margin %	100	100	100	100	100
SG&A Margin	13.32	8.37	13.57	11.28	23.78
Income From Continuing Operations Margin %	51.25	60.57	52.68	54.51	54.67
Net Income Margin %	51.25	60.57	52.68	54.51	54.67
Net Avail. For Common Margin %	0.07	0.21	0.01	0.01	0.01
Normalized Net Income Margin	40.37	47.71	41.36	42.97	42.81
Asset Turnover
Asset Turnover	0.01	0.01	0.01	0.01	0.01
Short Term Liquidity
Current Ratio	43.95	54.02	97.17	82.09	69.7
Quick Ratio	42.96	53.05	96.44	81.42	68.91
Operating Cash Flow to Current Liabilities	-0.81	0.61	1.01	0.23	-0.17
Long Term Solvency
Total Debt/Equity	15.59T	8.78T	7T	5.44T	4.47T
Total Debt / Total Capital	99.36	98.87	98.59	98.19	97.81
LT Debt/Equity	15.27T	8.64T	6.95T	5.38T	4.41T
Long-Term Debt / Total Capital	97.34	97.24	97.81	97.24	96.66
Total Liabilities / Total Assets	99.37	98.88	98.6	98.2	97.82
Tier 1 Capital Ratio %	-	-	-5.6	-4.1	-2.7
Total Capital Ratio %	-	-	-5.6	-4.1	-2.7
Leverage Ratio %	-	-	-1.6	-1.2	-0.8
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-9.33	58.95	-32.99	30.18	-2.77
Gross Profit, 1 Yr. Growth %	-9.33	58.95	-32.99	30.18	-2.77
Earnings From Cont. Operations, 1 Yr. Growth %	-16.63	87.85	-41.73	34.71	-2.47
Net Income, 1 Yr. Growth %	-16.63	87.85	-41.73	34.71	-2.47
Normalized Net Income, 1 Yr. Growth %	-15.35	87.84	-41.92	35.26	-3.13
Diluted EPS Before Extra, 1 Yr. Growth %	-91.52	292.93	-94.91	0	0
Common Equity, 1 Yr. Growth %	-8.5	-19.26	-13.95	-21.84	-27.25
Total Assets, 1 Yr. Growth %	13.77	6.11	1.8	0.47	0.56
Tangible Book Value, 1 Yr. Growth %	-8.5	-19.26	-13.95	-21.84	-27.25
Cash From Operations, 1 Yr. Growth %	1.43T	-164.73	-7.17	-72.89	-188.53
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-8.08	20.05	3.2	-6.6	12.51
Gross Profit, 2 Yr. CAGR %	-8.08	20.05	3.2	-6.6	12.51
Earnings From Cont. Operations, 2 Yr. CAGR %	-13.99	25.14	4.63	-11.4	14.62
Net Income, 2 Yr. CAGR %	-13.99	25.14	4.63	-11.4	14.62
Normalized Net Income, 2 Yr. CAGR %	-13.96	26.1	4.45	-11.37	14.47
Diluted EPS Before Extra, 2 Yr. CAGR %	-93.32	-42.26	-55.28	-77.44	0
Common Equity, 2 Yr. CAGR %	-7.38	-14.05	-16.65	-17.99	-24.6
Total Assets, 2 Yr. CAGR %	7.98	9.87	3.93	1.13	0.51
Tangible Book Value, 2 Yr. CAGR %	-7.38	-14.05	-16.65	-17.99	-24.6
Cash From Operations, 2 Yr. CAGR %	469.6	215.13	-22.48	-49.83	-51.01
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-3.03	10.33	-1.16	11.51	-5.34
Gross Profit, 3 Yr. CAGR %	-3.03	10.33	-1.16	11.51	-5.34
Earnings From Cont. Operations, 3 Yr. CAGR %	68.6	11.59	-3	13.82	-8.52
Net Income, 3 Yr. CAGR %	68.6	11.59	-3	13.82	-8.52
Normalized Net Income, 3 Yr. CAGR %	-6.91	11.62	-2.62	13.85	-8.7
Diluted EPS Before Extra, 3 Yr. CAGR %	-86.87	-74.02	-74.3	-41.52	-62.94
Common Equity, 3 Yr. CAGR %	-6.42	-11.53	-14.02	-18.42	-21.2
Total Assets, 3 Yr. CAGR %	6.01	7.35	7.11	2.76	0.94
Tangible Book Value, 3 Yr. CAGR %	-6.42	-11.53	-14.02	-18.42	-21.2
Cash From Operations, 3 Yr. CAGR %	158.69	175.9	109.68	-45.38	-39.37
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-0.13	8.22	-0.59	3.22	4.1
Gross Profit, 5 Yr. CAGR %	-0.13	8.22	-0.59	3.22	4.1
Earnings From Cont. Operations, 5 Yr. CAGR %	1.51	12.49	39.31	1.75	3.7
Net Income, 5 Yr. CAGR %	1.51	12.49	39.31	1.75	3.7
Normalized Net Income, 5 Yr. CAGR %	-1.69	8.8	-2.52	1.78	3.89
Diluted EPS Before Extra, 5 Yr. CAGR %	-44.88	0	-78.57	-75.45	-55.75
Common Equity, 5 Yr. CAGR %	-2.81	-6.59	-10.65	-14.17	-18.42
Total Assets, 5 Yr. CAGR %	4.35	5.16	5.17	4.82	4.42
Tangible Book Value, 5 Yr. CAGR %	-2.81	-6.59	-10.65	-14.17	-18.42
Cash From Operations, 5 Yr. CAGR %	61.33	117.05	59.75	39.52	17.22