# National Rural Utilities Cooperative Finance Corporation (NRUC)

- SEC CIK: 0000070502 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000070502))
- Full page: https://inspectstocks.com/stocks/nruc
- Data as of: price 2026-09-29; newest filing used 2026-07-31; latest fiscal period ended 2026-05-31

## Grade

**C** on the balance-sheet rubric used for lenders, 2 of 4 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $262.1M |  |
| Earnings growing overall | failed | $262.1M | $501.5M |
| Earnings growing recently | passed | $262.1M | $139.7M |
| Earns well on its assets | failed | 0.7% |  |
| Book value per share growing | not answerable |  |  |

Business quality (the + / − mark): 5 of 8 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 63.3% |  |
| Healthy profit margin | passed | 63.3% |  |
| Good return on equity | failed | 8.0% |  |
| Debt under control | failed | 10.18 |  |
| Turns sales into cash | passed | 74.6% |  |
| Earns a wide spread on lending | failed | 0.8% |  |
| Runs the bank efficiently | passed | 38.9% |  |
| Credit losses well covered | passed | -2.5% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $413.8M |
| Net income, trailing twelve months | $262.1M |
| Free cash flow, trailing twelve months | $308.8M |
| Net margin | 63.3% |
| Return on equity | 8.0% |
| Debt to equity | 10.18 |
| Share price | $20.74 |

## More on this company

- [Overview](https://inspectstocks.com/stocks/nruc)
- [Financial statements](https://inspectstocks.com/stocks/nruc/financials)
- [Competitors](https://inspectstocks.com/stocks/nruc/peers)
- [Earnings](https://inspectstocks.com/stocks/nruc/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.