Spoken Alpha
FNMAM
FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE
Overview
Fannie Mae provides liquidity to the U.S. residential mortgage market by purchasing mortgage loans from lenders, securitizing them into mortgage-backed securities, and guaranteeing payments to investors. The company earns revenue primarily through guaranty fees charged for assuming credit risk on single-family and multifamily mortgage loans.
FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE is a Financial Services company operating in Mortgage Finance with a $13.07B market cap.
Most recent reported earnings: Q4 FY2025 (Feb 10, 2026).
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Transcripts
Recent earnings calls
History
Earnings history
- Q4 FY20252026-02-10EPS$-1.85 vs $0.00—Rev— vs ——EODHD
- Q3 FY20252025-10-28EPS$0.65 vs $0.00—Rev— vs ——EODHD
- Q2 FY20252025-07-27EPS$0.57 vs ——Rev$7.44B vs ——EODHD
- Q1 FY20252025-04-29EPS$0.00 vs $0.00—Rev$7.21B vs ——EODHD
- Q4 FY20242025-02-13EPS$0.00 vs $0.00—Rev$8.13B vs ——EODHD
- Q1 FY20232023-05-01EPS$0.00 vs $0.00—Rev$6.85B vs ——EODHD
- Q4 FY20222023-02-13EPS$0.00 vs $0.00—Rev$3.86B vs ——EODHD
- Q3 FY20222022-11-07EPS$0.00 vs $0.00—Rev$4.81B vs ——EODHD
- Q2 FY20222022-07-28EPS$0.00 vs $0.00—Rev$8.15B vs ——EODHD
- Q1 FY20222022-05-02EPS$0.00 vs $0.00—Rev$7.62B vs ——EODHD
- Q4 FY20212022-02-14EPS$0.00 vs $0.00—Rev$8.74B vs ——EODHD
- Q3 FY20212021-10-28EPS$0.00 vs $0.00—Rev$8.25B vs ——EODHD
- Q2 FY20212021-08-02EPS$0.01 vs $0.00—Rev$11.18B vs ——EODHD
- Q1 FY20212021-04-29EPS$0.01 vs $0.00—Rev$8.42B vs ——EODHD
- Q4 FY20202021-02-11EPS$0.00 vs $0.00—Rev$7.60B vs ——EODHD
- Q3 FY20202020-10-28EPS$0.00 vs $0.00—Rev$7.08B vs ——EODHD
- Q2 FY20202020-07-29EPS$0.00 vs $0.00—Rev$5.00B vs ——EODHD
- Q1 FY20202020-04-30EPS$0.00 vs $0.00—Rev$5.22B vs ——EODHD
- Q4 FY20192020-02-12EPS$0.02 vs $0.00—Rev$7.16B vs ——EODHD
- Q3 FY20192019-10-30EPS$0.01 vs $0.00—Rev$5.17B vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q4 FY2025 | 2026-02-10 | $-1.85 | $0.00 | — | — | — | — | EODHD |
| Q3 FY2025 | 2025-10-28 | $0.65 | $0.00 | — | — | — | — | EODHD |
| Q2 FY2025 | 2025-07-27 | $0.57 | — | — | $7.44B | — | — | EODHD |
| Q1 FY2025 | 2025-04-29 | $0.00 | $0.00 | — | $7.21B | — | — | EODHD |
| Q4 FY2024 | 2025-02-13 | $0.00 | $0.00 | — | $8.13B | — | — | EODHD |
| Q1 FY2023 | 2023-05-01 | $0.00 | $0.00 | — | $6.85B | — | — | EODHD |
| Q4 FY2022 | 2023-02-13 | $0.00 | $0.00 | — | $3.86B | — | — | EODHD |
| Q3 FY2022 | 2022-11-07 | $0.00 | $0.00 | — | $4.81B | — | — | EODHD |
| Q2 FY2022 | 2022-07-28 | $0.00 | $0.00 | — | $8.15B | — | — | EODHD |
| Q1 FY2022 | 2022-05-02 | $0.00 | $0.00 | — | $7.62B | — | — | EODHD |
| Q4 FY2021 | 2022-02-14 | $0.00 | $0.00 | — | $8.74B | — | — | EODHD |
| Q3 FY2021 | 2021-10-28 | $0.00 | $0.00 | — | $8.25B | — | — | EODHD |
| Q2 FY2021 | 2021-08-02 | $0.01 | $0.00 | — | $11.18B | — | — | EODHD |
| Q1 FY2021 | 2021-04-29 | $0.01 | $0.00 | — | $8.42B | — | — | EODHD |
| Q4 FY2020 | 2021-02-11 | $0.00 | $0.00 | — | $7.60B | — | — | EODHD |
| Q3 FY2020 | 2020-10-28 | $0.00 | $0.00 | — | $7.08B | — | — | EODHD |
| Q2 FY2020 | 2020-07-29 | $0.00 | $0.00 | — | $5.00B | — | — | EODHD |
| Q1 FY2020 | 2020-04-30 | $0.00 | $0.00 | — | $5.22B | — | — | EODHD |
| Q4 FY2019 | 2020-02-12 | $0.02 | $0.00 | — | $7.16B | — | — | EODHD |
| Q3 FY2019 | 2019-10-30 | $0.01 | $0.00 | — | $5.17B | — | — | EODHD |
Source: EODHD. FNMAM reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks FNMAM's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 60% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $4.71 | $3.52 | +33.7% | +5.7% | +3.5% |
| Q4 FY2026 | $4.70 | $3.42 | +37.5% | +4.9% | +4.2% |
| Q3 FY2026 | $4.25 | $3.42 | +24.3% | -0.1% | +1.3% |
| Q2 FY2026 | $4.69 | $3.56 | +31.8% | -3.0% | -2.5% |
| Q1 FY2025 | $4.72 | $3.41 | +38.3% | -4.3% | -2.3% |
| Q4 FY2025 | $4.43 | $3.35 | +32.2% | -2.4% | +0.5% |
| Q3 FY2025 | $4.50 | $3.48 | +29.3% | +2.4% | +0.9% |
| Q2 FY2025 | $4.89 | $3.62 | +35.2% | -1.1% | -3.3% |
| Q1 FY2024 | $4.92 | $3.60 | +36.8% | -3.1% | -0.4% |
| Q4 FY2024 | $4.45 | $3.41 | +30.5% | +4.7% | +3.8% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Michael Paul McCarthySVP & GENERAL COUNSEL6 mono recorded callsCurrentSample
DIVISION_HEAD since 2025 • 2/4 beats (50%) • last guidance cut Q1 FY2026
- Jacob Slaten WilliamsonEVP & HEAD OF SINGLE-FAMILY6 mono recorded callsCurrentSample
DIVISION_HEAD since 2025 • 3/4 beats (75%) • guidance suspended Q1 FY2026
- Thomas Lee KleinActing General Counsel8 mono recorded callsCurrentSample
OTHER since 2025 • 1/4 beats (25%) • last guidance cut Q3 FY2026
- Peter AkwaboahCOO8 mono recorded callsFormerSample
COO since 2024 • 4/8 beats (50%) • last call held guidance Q1 FY2026
- Erik BissoEVP-Chf Inv Off, Tres&CapMkts0 mono recorded callsFormerSample
DIVISION_HEAD since 2025 • 2/4 beats (50%) • last guidance cut Q2 FY2026
- John Michael RoscoeEVP - Ops & Public Relations0 mono recorded callsFormerSample
DIVISION_HEAD since 2025 • 3/4 beats (75%) • last guidance cut Q1 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for FNMAM.
$ curl https://api.spokenalpha.com/v1/companies/FNMAMFAQ
Frequently asked about FNMAM
Where can I find FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE's (FNMAM) earnings call transcripts?
Spoken Alpha indexes FNMAM's earnings call transcripts at https://spokenalpha.com/companies/FNMAM. Each call links to attributed speakers and parsed analyst Q&A.
What sector is FNMAM in?
FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE (FNMAM) operates in the Financial Services sector (Mortgage Finance industry).