Fannie Mae reported a Q4 2025 net income of $3.5 billion, a full‑year total of $14.4 billion, and a net worth of $109 billion. The company also delivered $409 billion of liquidity to the mortgage market, supporting roughly 1.5 million households during the year.
The quarter’s earnings fell 15% from the $3.5 billion net income reported in Q4 2024, reflecting a modest decline in net investment gains. Despite the dip, net interest income rose, and the company’s net worth increased, underscoring a resilient balance sheet amid a tightening rate environment.
Fannie Mae’s two core segments—Single‑Family and Multifamily—contributed to the results. Lower net investment gains were driven by a decline in mortgage‑backed securities returns, while the rise in net interest income was largely attributable to higher loan balances and a favorable mix of fixed‑rate mortgages. The company’s cost‑control program helped keep operating expenses in line with revenue growth.
Peter Akwaboah, COO and Acting CEO, said the results reflected “solid earnings” and highlighted the company’s ability to maintain liquidity and net worth growth. He emphasized continued focus on cost discipline, strategic investments in high‑return segments, and the importance of delivering liquidity to the mortgage market during a period of elevated rates.
Investors viewed the earnings as a positive sign of Fannie Mae’s financial strength, noting the company’s ability to sustain net interest income and net worth growth despite headwinds in net investment gains. The results reinforce confidence in the company’s long‑term resilience and its role in supporting the U.S. housing market.
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