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Federal Home Loan Mortgage Corp (FMCC) stock analysis

FMCCOTCFederal & Federally-Sponsored Credit AgenciesFiscal year ends December 31Also trades as FMCCG, FMCCH, FMCCI, FMCCJ, FMCCK, FMCCL, FMCCM, FMCCN, FMCCO, FMCCP, FMCCS, FMCCT, FMCKI, FMCKJ, FMCKK, FMCKL, FMCKM, FMCKN, FMCKO, FMCKP, FREGP, FREJN, FREJO, FREJP
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 8/30
$3.14−0.29 (-8.45%)

Close on Oct 19, 2026Market cap $10.15BP/E 157.0Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth1Performance5Health2Dividend0

Weak8 of 30 checks passed

Federal Home Loan Mortgage passes 8 of the 30 checks behind our score; 19 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
1/6
Past performance
5/6
Financial health
2/6
Dividend
0/6

What stands out

  • Return on equity over 15%

    Return on equity was 18.0% over the last twelve months and averaged 29.3% over five years.

  • Low debt

    Debt is 11.8% of shareholders' equity, under the 40% we consider low.

  • Earnings grew over 5 years

    Net income grew 7.9% a year on average over the last five fiscal years.

  • Earnings growth accelerating

    Net income grew 20.0% over the last twelve months, against a 5-year average of 7.9% a year.

What to watch

  • Revenue growing under 10% a year

    Revenue grew 3.1% a year over the last three fiscal years, short of the 10% we look for.

  • Growing slower than the industry

    Revenue grew 3.6% over the last twelve months; the Non-depository Credit Institutions median is 12.2%.

  • No dividend

    Federal Home Loan Mortgage has not paid a dividend in the last twelve months.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 3.1% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings growth accelerating

    Net income grew 20.0% over the last twelve months, against a 5-year average of 7.9% a year.

  • Growing slower than the industry

    Revenue grew 3.6% over the last twelve months; the Non-depository Credit Institutions median is 12.2%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    This company does not report gross profit.

Past performance5/6

  • Return on equity over 15%

    Return on equity was 18.0% over the last twelve months and averaged 29.3% over five years.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity above the industry

    Federal Home Loan Mortgage's return on equity of 18.0% is above the Non-depository Credit Institutions median of -9.9%.

  • Earnings grew over 5 years

    Net income grew 7.9% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 54.3% over the last twelve months, against a 5-year average of 48.9%.

  • Net margin above the industry

    Federal Home Loan Mortgage's net margin of 54.3% is above the Non-depository Credit Institutions median of -6.7%.

Financial health2/6

  • Low debt

    Debt is 11.8% of shareholders' equity, under the 40% we consider low.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 141% of total debt.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Bankruptcy risk (Altman Z)

    Needs market value, working capital and retained earnings.

Dividend0/6

  • No dividend

    Federal Home Loan Mortgage has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Federal Home Loan Mortgage. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 7.0
  • Non-depository Credit Institutions median 8.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

46.1%+2.1 pts over 5 years

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