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NRUCNational Rural Utilities Cooper
$22.90
Overview & Verdict
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NRUC logoNational Rural Utilities Cooper(NRUC)Earnings, Financials & Key Ratios

NRUC•NYSE
$22.90
Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustrySmall Business and Middle-Market Lending
AboutCFC offers long-term shelf financing for electric infrastructure projects such as distribution lines and power generation projects. Emergency credit lines are available so that power can be restored quickly following natural disasters. Farmer Mac and other partners provide financings, such as loan syndications and loan resales.Show more
  • EBITDA$149M+3694.1%
  • Net Income$140M-74.7%
  • EPS (Diluted)0.00
  • Gross Margin100%+61.0%
  • EBITDA Margin51.07%+8521.7%
  • Operating Margin51.07%-37.4%
  • Net Margin47.77%-40.8%
  • ROE4.57%-76.9%

NRUC Price & Volume

National Rural Utilities Cooper (NRUC) stock price & volume — 10-year historical chart

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Derivative Volatility Masks Structural Cooperative Leverage Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:High leverage and liquidity

Key Thesis Takeaways

  • National Rural Utilities Cooperative faces a complex financial outlook where extreme earnings volatility, driven by non-cash derivative adjustments, obscures the underlying stability of its utility lending operations.
  • While the cooperative maintains disciplined administrative overhead, its reliance on external debt to fund infrastructure expansion has pushed the debt-to-equity ratio to 10.73, creating significant sensitivity to interest rate fluctuations.
  • Investors should monitor the persistent liquidity constraints, evidenced by a current ratio of 0.13, which necessitates continuous and reliable access to capital markets to sustain operations.

Verdict Logic

while the cooperative provides essential infrastructure financing, the current ratio of 0.13 and the high debt-to-equity ratio of 10.73 suggest significant structural risks that warrant a cautious, wait-and-see approach.

NRUC Growth Metrics

National Rural Utilities Cooper (NRUC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.03%
5 Years-
3 Years-31.18%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-44%
TTM90.75%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-

Return on Capital

10 Years0.95%
5 Years1.84%
3 Years1.24%
Last Year0.46%

Latest NRUC News

Recent stock market news and headlines for National Rural Utilities Cooper (NRUC)

GlobeNewsWire·Jun 29, 2026
CFC's 2025 Key Ratio Trend Analysis Results Highlight Growth, Financial Stability Across Electric Cooperatives

CFC has completed its analysis of the 2025 Key Ratio Trend Analysis, an annual report of financial trends among U.S. electric distribution cooperatives.

Peers Comparison

Key metrics vs top competitors for National Rural Utilities Cooper (NRUC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
NRUC logoNRUCNational Rural Utilities CooperCurrent
$22.90——-57.33%47.77%4.57%—
ED logoEDConsolidated Edison, Inc.
$112.99$41.64B20.0310.89%12.52%8.82%—
AEE logoAEEAmeren Corporation
$114.43$31.66B21.3915.43%17.17%11.6%—
WEC logoWECWEC Energy Group, Inc.
$117.68$38.33B24.3613.96%16.25%11.64%—
EVRG logoEVRGEvergy, Inc.
$87.12$20.08B23.801.65%14.71%8.65%—
NWE logoNWENorthwestern Energy Group Inc
$70.75$4.35B24.066.38%10.21%5.8%—

Compare NRUC vs Peers

National Rural Utilities Cooper (NRUC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ED

Most directly comparable listed peer for NRUC.

Scale Benchmark

vs NEE

Larger-name benchmark to compare NRUC against a more recognizable public peer.

Peer Set

Compare Top 5

vs ED, AEE, WEC, EVRG

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NRUC Frequently Asked Questions

National Rural Utilities Cooper (NRUC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is National Rural Utilities Cooper's revenue?

National Rural Utilities Cooper (NRUC) reported $466.0M in revenue for fiscal year 2025.

How fast is National Rural Utilities Cooper growing?

National Rural Utilities Cooper (NRUC) saw revenue decline by 57.3% over the past year.

Is NRUC profitable?

Yes, National Rural Utilities Cooper (NRUC) is profitable, generating $308.3M in net income for fiscal year 2025 (47.8% net margin).

Dividend & Returns
What is NRUC's return on equity?

National Rural Utilities Cooper (NRUC) has a return on equity (ROE) of 4.6%. This is below average, suggesting room for improvement.

What is National Rural Utilities Cooper's free cash flow?

National Rural Utilities Cooper (NRUC) generated $249.4M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in NRUC back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →