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STOCK COMPARISON

Federal Home Loan Mortgage Corp Pref Perpetual vs Guild Holdings Co: Fair Value & Quality

Both stocks run through our valuation models. Here is how Federal Home Loan Mortgage Corp Pref Perpetual (FMCCT) and Guild Holdings Co (GHLD) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Federal Home Loan Mortgage Corp Pref Perpetual as the more attractively valued of the two: Federal Home Loan Mortgage Corp Pref Perpetual trades at $12.13 versus a fair value of $24.00 (+98%), while Guild Holdings Co trades at $66.74 versus $55.87 (-16%).
Federal Home Loan Mortgage Corp Pref Perpetual
FMCCT · USD · Financials
+98%
upside to fair value
undervalued
Price$12.13
Fair Value$24.00
Quality53/100
Guild Holdings Co
GHLD · USD · Financials
-16%
upside to fair value
overvalued
Price$66.74
Fair Value$55.87
Quality46/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Federal Home Loan Mortgage Corp Pref PerpetualGuild Holdings Co
Valuation
197.8×P/E (TTM)9.9×
n/aP/S (TTM)0.98×
Negative equityP/B0.99× · book value is mostly goodwill
n/aEV/EBITDA6.2×
+97.9%Fair value upside−16.3%
Profitability
69%Operating margin24%
n/aEBIT margin trend (5Y)14.43×
Negative equityReturn on equity11%
0%Return on assets4%
Growth
34%Revenue growth (YoY)75%
92.6%Avg. growth/yr (3Y)-10.7%
43.0%Avg. growth/yr (5Y)8.5%
+7.9%Value creation/yr+5.1%
Balance & size
n/aInterest coverage (EBIT/interest)1.1×
Negative equityDebt / equity0.58×
n/aMarket cap$1B
mixedGrowth qualityweak

Federal Home Loan Mortgage Corp Pref Perpetual leads: 6 to 2 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Federal Home Loan Mortgage Corp Pref Perpetualof which business quality 49 · market factors 10 Guild Holdings Coof which business quality 41 · market factors 50
ProfitabilityMargins and returns on capital today
36
31
Quality GrowthAre margins and returns improving?
29
81
CashflowEarnings quality: real cash, not paper profit
97
0
Fin. StrengthBalance sheet, leverage, solvency risk
0
30
InvestmentDisciplined investing over empire-building
62
77
Low VolatilityCalm price path (market factor)
24
60
MomentumPrice trend over the last 3–12 months (market factor)
6
49
52W MomentumDistance to the 52-week high (market factor)
1
38
Net IssuanceShare count: buybacks or dilution?
82
69

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyFederal Home Loan Mortgage Corp Pref PerpetualPrice $12.13Guild Holdings CoPrice $66.74
DCF Modelsn/a+51%above the price$101
Earnings-Based+1032%above the price$137-15%below the price$56.54
Dividend Discountn/a-73%below the price$18.00
Multiples+205%above the price$36.95-1%close to the price$66.40
Asset-Based+21%above the price$14.64-43%below the price$38.28
Economic Profit+144%above the price$29.54-31%below the price$46.29
Minimum+21%above the price$14.64-73%below the price$18.00
Maximum+1032%above the price$137+51%above the price$101
Median+174%above the price$33.25-23%below the price$51.41
Geometric mean+217%above the price$38.49-28%below the price$47.88

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Federal Home Loan Mortgage Corp Pref Perpetual: 0 of 6 models see the stock below the current price.

Guild Holdings Co: 6 of 9 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Federal Home Loan Mortgage Corp Pref Perpetual
Price $12.13
Fair Value $24.00
Bear $19.31Bull $54.99
Guild Holdings Co
Price $66.74
Fair Value $55.87
Bear $32.01Bull $71.93

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Federal Home Loan Mortgage Corp Pref Perpetual · Financials

Quality score53 · below median
Fair value upside+98% · Top 25%

Guild Holdings Co · Financials

Quality score46 · below median
Fair value upside-16% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Federal Home Loan Mortgage Corp Pref Perpetual as the more attractively valued of the two: Federal Home Loan Mortgage Corp Pref Perpetual trades at $12.13 versus a fair value of $24.00 (+98%), while Guild Holdings Co trades at $66.74 versus $55.87 (-16%).

Federal Home Loan Mortgage Corp Pref Perpetual has the higher quality score (53/100).

Open Federal Home Loan Mortgage Corp Pref Perpetual live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.