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Fannie Mae (FNMA) is back in the spotlight in 2025, with its stock surging on speculation of privatization, robust earnings, and renewed debate about the future of government-sponsored enterprises (GSEs). This comprehensive guide covers everything US investors need to know about FNMA: from the latest news, price history, and financials, to the risks, government role, and what makes Fannie Mae unique in the American housing market.
Live FNMA Stock Price & Chart (NASDAQ)
📰 2025 Breaking News: Privatization Buzz, Trump Statement, and Market Reaction
🚨 May 2025: FNMA stock soared after former President Trump announced plans to take Fannie Mae and Freddie Mac public, ending their long conservatorship. OTC shares jumped over 10% in a single day, hitting levels not seen since 2008.
🏦 Government Role: Fannie Mae has been under federal conservatorship since the 2008 financial crisis. The Trump administration is pushing to return the GSEs to private hands, but with the US government maintaining implicit guarantees.
📢 Regulatory Watch: The Federal Housing Finance Agency (FHFA) and its new director are expected to play a central role in any move to privatize Fannie and Freddie. Announcements of joint press conferences with tech CEOs and mortgage industry leaders have fueled speculation about major structural changes.
📈 Stock Surge: FNMA stock has climbed more than 500% from its 2023 lows, with trading volume and volatility reaching multi-year highs. Some analysts warn of a technical correction after the bull run, while others see further upside if privatization proceeds.
Reuters: Fannie Mae Stock Jumps on Privatization Plans
🏦 Government Role: Fannie Mae has been under federal conservatorship since the 2008 financial crisis. The Trump administration is pushing to return the GSEs to private hands, but with the US government maintaining implicit guarantees.
📢 Regulatory Watch: The Federal Housing Finance Agency (FHFA) and its new director are expected to play a central role in any move to privatize Fannie and Freddie. Announcements of joint press conferences with tech CEOs and mortgage industry leaders have fueled speculation about major structural changes.
📈 Stock Surge: FNMA stock has climbed more than 500% from its 2023 lows, with trading volume and volatility reaching multi-year highs. Some analysts warn of a technical correction after the bull run, while others see further upside if privatization proceeds.
📊 FNMA Stock Price History & Technicals
📅 2023–2025 Bull Run: FNMA stock has exploded from $0.35 in 2023 to recent highs above $11.90 in May 2025—a staggering gain of over 3,000%. This rally has been driven by privatization rumors, earnings growth, and a surge in speculative trading.
📉 Volatility: FNMA is among the most volatile large-cap stocks, with 15–20% weekly swings not uncommon. The stock is 27% below its 52-week high but up nearly 60% in the past week alone.
📈 Recent Trading: In May 2025, FNMA traded between $5.65 and $11.91, with daily volumes exceeding 10 million shares. Technical analysts warn of a potential correction after the parabolic run, but bullish momentum remains strong.
🗓️ Earnings Calendar: Fannie Mae’s next earnings report is scheduled for August 5, 2025. The last quarter’s EPS was $0.62, with net income of $3.66B. The company’s market cap is $12.22B, with a beta of 0.62, reflecting moderate correlation to the broader market.
FNMA Historical Price Data & Charts
📉 Volatility: FNMA is among the most volatile large-cap stocks, with 15–20% weekly swings not uncommon. The stock is 27% below its 52-week high but up nearly 60% in the past week alone.
📈 Recent Trading: In May 2025, FNMA traded between $5.65 and $11.91, with daily volumes exceeding 10 million shares. Technical analysts warn of a potential correction after the parabolic run, but bullish momentum remains strong.
🗓️ Earnings Calendar: Fannie Mae’s next earnings report is scheduled for August 5, 2025. The last quarter’s EPS was $0.62, with net income of $3.66B. The company’s market cap is $12.22B, with a beta of 0.62, reflecting moderate correlation to the broader market.
💡 Fannie Mae’s Business Model, Financials & Earnings
🏠 What Fannie Mae Does: Fannie Mae does not lend directly to homebuyers. Instead, it buys mortgages from lenders, packages them into mortgage-backed securities (MBS), and sells those to investors. This process provides liquidity to the housing market and helps keep mortgage rates lower.
💵 Q1 2025 Earnings: Fannie Mae reported net income of $3.7B on revenue of $7.08B, its 29th straight quarter of profitability. Net worth stands at $98B, up nearly 20% year-over-year. The company provided $76B in liquidity, supporting nearly 287,000 home purchases, refinancings, and rental units.
📊 Operational Efficiency: Fannie Mae’s efficiency ratio is 36.1%, with a gross profit margin of 100%. The company continues to build regulatory capital, reaching $41B since 2022. Despite rising noninterest expenses, Fannie Mae’s focus on risk management and profitability remains strong.
🏘️ Affordable Housing Impact: In Q1 2025, Fannie Mae financed 93,000 units of multifamily rental housing, with a majority affordable to households earning at or below 120% of area median income.
Fannie Mae Q1 2025 Financial Results
💵 Q1 2025 Earnings: Fannie Mae reported net income of $3.7B on revenue of $7.08B, its 29th straight quarter of profitability. Net worth stands at $98B, up nearly 20% year-over-year. The company provided $76B in liquidity, supporting nearly 287,000 home purchases, refinancings, and rental units.
📊 Operational Efficiency: Fannie Mae’s efficiency ratio is 36.1%, with a gross profit margin of 100%. The company continues to build regulatory capital, reaching $41B since 2022. Despite rising noninterest expenses, Fannie Mae’s focus on risk management and profitability remains strong.
🏘️ Affordable Housing Impact: In Q1 2025, Fannie Mae financed 93,000 units of multifamily rental housing, with a majority affordable to households earning at or below 120% of area median income.
📈 Outlook: Housing Market, Rates, and FNMA’s Future
📉 2025–2026 Housing Forecast: Fannie Mae forecasts home prices to rise 4.1% in 2025 and 2% in 2026, with mortgage rates expected to fall to 6.2% by the end of 2025 and 6.0% in 2026. Home sales are projected at 4.86 million units for 2025.
📊 Mortgage Market: Fannie Mae expects mortgage originations to reach $1.98T in 2025 and $2.33T in 2026. Multifamily rent growth is forecast at 2–2.5%, with vacancy rates possibly rising to 6.25%.
🛡️ Risks & Uncertainties: FNMA’s future is highly sensitive to government policy, interest rates, and the housing cycle. The implicit government guarantee is both a safety net and a source of moral hazard, encouraging risk-taking but protecting against default.
📢 Privatization Debate: The fate of Fannie Mae and Freddie Mac—whether they will be privatized, reformed, or remain under federal control—remains uncertain. Political and regulatory shifts could dramatically affect FNMA’s value and business model.
Fannie Mae Economic & Housing Forecast
📊 Mortgage Market: Fannie Mae expects mortgage originations to reach $1.98T in 2025 and $2.33T in 2026. Multifamily rent growth is forecast at 2–2.5%, with vacancy rates possibly rising to 6.25%.
🛡️ Risks & Uncertainties: FNMA’s future is highly sensitive to government policy, interest rates, and the housing cycle. The implicit government guarantee is both a safety net and a source of moral hazard, encouraging risk-taking but protecting against default.
📢 Privatization Debate: The fate of Fannie Mae and Freddie Mac—whether they will be privatized, reformed, or remain under federal control—remains uncertain. Political and regulatory shifts could dramatically affect FNMA’s value and business model.
📚 Dividends, Investor Considerations & Long-Term Perspective
💸 Dividends: FNMA last paid a dividend in 2008 ($0.05 per share). The company does not currently pay dividends and is unlikely to resume payouts until after any privatization or major regulatory changes.
🔍 Investor Pros & Cons:
What Role Does Fannie Mae Play in US Housing?
🔍 Investor Pros & Cons:
- Pros: Massive asset base, government support, pivotal role in US housing, potential upside from privatization, and strong recent earnings.
- Cons: High volatility, political risk, regulatory uncertainty, no current dividend, and exposure to housing market cycles.
©️ 2025 | Fannie Mae (FNMA) Stock: Complete Guide for US Investors
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