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FNMA Dividend DRIP Calculator 2026
32.68% YieldFinancial ServicesFederal National Mortgage Association · OTC
Price: $6.12 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When FNMA pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in FNMA → $878.1K in 10 years · $514.39/month
About Federal National Mortgage Association (FNMA) — Dividend Analysis 2026
The Federal National Mortgage Association, commonly known as Fannie Mae, was established in 1938 and has its headquarters in Washington, D.C. Its fundamental purpose is to facilitate the flow of capital in the United States mortgage market, ensuring a consistent source of financing for home loans. Fannie Mae achieves this by transforming mortgage loans originated by various lenders into standardized investment products called Fannie Mae mortgage-backed securities (MBS). The organization operates through two distinct primary segments: 1. Single-Family Segment: This division is responsible for acquiring and securitizing a wide range of residential mortgage loans. These include conventional first-lien mortgages (both fixed and adjustable-rate), loans guaranteed by government agencies like the Federal Housing Administration (FHA), Department of Veterans Affairs (VA), and the U.S. Department of Agriculture's Rural Development Housing and Community Facilities Program, as well as manufactured housing loans and other related mortgage securities. Additionally, this segment provides mortgage servicing and comprehensive credit risk and loss management services for single-family properties. 2. Multifamily Segment: Focusing on properties with multiple dwelling units, this segment securitizes and purchases multifamily mortgage loans, converting them into Fannie Mae MBS. It also plays a role in public finance by offering credit enhancements for bonds issued by state and local housing authorities to support multifamily housing initiatives. Its activities further include issuing structured MBS backed by existing Fannie Mae multifamily MBS, trading multifamily agency mortgage-backed securities, and making investments in low-income housing tax credit (LIHTC) projects. Services provided by this segment encompass delegated underwriting, servicing, and robust credit risk and loss management for multifamily mortgages. Fannie Mae serves a diverse array of financial partners, including mortgage banking companies, various types of banks (savings and loan associations, savings banks, commercial banks, community banks), credit unions, insurance companies, private mortgage originators, and state and local housing finance agencies.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 FNMA Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FNMA.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 32.68% | 29.88% | $3,268 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 27.78% | 24.98% | $2,778 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 26.14% | 23.34% | $2,614 / yr |
| 🇬🇧 UK ISA | 0% | 32.68% | 29.88% | $3,268 / yr |
| 🇬🇧 UK Taxable | 8.75% | 29.82% | 27.02% | $2,982 / yr |
| 🇨🇦 TFSA | 0% | 32.68% | 29.88% | $3,268 / yr |
| 🇨🇦 CA Taxable | 25% | 24.51% | 21.71% | $2,451 / yr |
| 🇦🇺 Super (pension) | 15% | 27.78% | 24.98% | $2,778 / yr |
| 🇦🇺 AU Taxable | 30% | 22.88% | 20.08% | $2,288 / yr |
| 🇩🇪 DE Taxable | 26.375% | 24.06% | 21.26% | $2,406 / yr |
| 🇫🇷 FR Taxable | 30% | 22.88% | 20.08% | $2,288 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 FNMA Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FNMA Dividend Payment Schedule
FNMA pays quarterly — 4 times per year. Next ex-div: TBD.
📊 FNMA vs Financial Services Benchmarks
How FNMA compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FNMA sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FNMA Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2025-05-06 | 8,000 | $6.41 | $51.3K | ||
| Sale | 2025-05-08 | 8,000 | $6.40 | $51.2K | ||
| L-Small | 2025-01-17 | 23.793 | $6.32 | $150.00 |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FNMA dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Federal National Mortgage Association (FNMA) is currently trading at $6.12, 49% below its 52-week high. The current dividend yield is 32.68% based on an annual payout of $2.00 per share.
FNMA (Federal National Mortgage Association) — 32.68% Dividend Yield Analysis
Federal National Mortgage Association (FNMA) is a financial services stock currently trading at $6.12 with a dividend yield of 32.68%. The company pays an annual dividend of $2.00 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
- Above-average yield (32.68%) may signal elevated risk — verify sustainability.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest FNMA News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.