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FNMAL Dividend DRIP Calculator 2026
16.09% YieldFinancial ServicesFederal National Mortgage Association · OTC
Price: $12.43 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When FNMAL pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in FNMAL → $639.8K in 10 years · $185.20/month
About Federal National Mortgage Association (FNMAL) — Dividend Analysis 2026
The Federal National Mortgage Association, widely known as Fannie Mae, plays a crucial role in the United States' housing finance system by ensuring the consistent availability of mortgage funding. It achieves this primarily by purchasing mortgage loans originated by various lenders and transforming them into Fannie Mae mortgage-backed securities (MBS), which are then sold to investors. Fannie Mae organizes its operations into two distinct areas: Single-Family and Multifamily. The Single-Family segment focuses on acquiring and securitizing mortgages for individual homes. This encompasses conventional fixed-rate or adjustable-rate, first-lien mortgages, along with those insured by the Federal Housing Administration (FHA), guaranteed by the Department of Veterans Affairs (VA), or supported by the USDA's Rural Development Housing and Community Facilities Program. It also deals with loans for manufactured housing and other related mortgage instruments. Beyond securitization, this segment offers essential services such as mortgage servicing for single-family homes and comprehensive credit risk and loss management solutions. Conversely, the Multifamily segment is dedicated to the apartment and multi-unit dwelling market. Its activities involve both securitizing and purchasing mortgage loans for multifamily properties. Additionally, it enhances the creditworthiness of bonds issued by state and local housing finance authorities that fund such developments. This segment further engages in issuing structured MBS, trading multifamily agency MBS, and investing in low-income housing tax credit (LIHTC) projects to support affordable housing initiatives. Its service offerings include delegated underwriting and servicing, in addition to managing credit risk and losses specifically for multifamily mortgages. Fannie Mae's extensive clientele spans a diverse range of financial institutions. These include mortgage banking firms, savings and loan associations, savings banks, commercial banks, credit unions, and community banks. It also partners with insurance companies, private mortgage originators, and state and local housing finance authorities. Established in 1938, the Federal National Mortgage Association maintains its headquarters in Washington, D.C.
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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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🌍 FNMAL Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FNMAL.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 16.09% | 13.29% | $1,609 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 13.68% | 10.88% | $1,368 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 12.87% | 10.07% | $1,287 / yr |
| 🇬🇧 UK ISA | 0% | 16.09% | 13.29% | $1,609 / yr |
| 🇬🇧 UK Taxable | 8.75% | 14.68% | 11.88% | $1,468 / yr |
| 🇨🇦 TFSA | 0% | 16.09% | 13.29% | $1,609 / yr |
| 🇨🇦 CA Taxable | 25% | 12.07% | 9.27% | $1,207 / yr |
| 🇦🇺 Super (pension) | 15% | 13.68% | 10.88% | $1,368 / yr |
| 🇦🇺 AU Taxable | 30% | 11.26% | 8.46% | $1,126 / yr |
| 🇩🇪 DE Taxable | 26.375% | 11.85% | 9.05% | $1,185 / yr |
| 🇫🇷 FR Taxable | 30% | 11.26% | 8.46% | $1,126 / 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.
🎯 FNMAL 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).
📅 FNMAL Dividend Payment Schedule
FNMAL pays quarterly — 4 times per year. Next ex-div: TBD.
📊 FNMAL vs Financial Services Benchmarks
How FNMAL compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FNMAL sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FNMAL 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.
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 FNMAL 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 (FNMAL) is currently trading at $12.43, 54% below its 52-week high. The current dividend yield is 16.09% based on an annual payout of $2.00 per share.
FNMAL (Federal National Mortgage Association) — 16.09% Dividend Yield Analysis
Federal National Mortgage Association (FNMAL) is a financial services stock currently trading at $12.43 with a dividend yield of 16.09%. 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 (16.09%) may signal elevated risk — verify sustainability.
Auto-generated from live market data. For educational purposes only — not financial advice.