EN DE
STOCK COMPARISON

Federal Home Loan Mortgage Corp Pref Perpetual vs Home First Finance Company India: Fair Value & Quality

Both stocks run through our valuation models. Here is how Federal Home Loan Mortgage Corp Pref Perpetual (FMCCT) and Home First Finance Company India (HOMEFIRST) compare, as of Oct 1, 2026.

As of Oct 1, 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 $10.80 versus a fair value of $24.00 (+122.2%), while Home First Finance Company India trades at ₹1,105 versus ₹267 (−75.8%).
Federal Home Loan Mortgage Corp Pref Perpetual
FMCCT · USD · Financials
+122.2%
upside to fair value
undervalued
Price$10.80
Fair Value$24.00
Quality53/100
Home First Finance Company India
HOMEFIRST.NSE · INR · Financials
−75.8%
upside to fair value
overvalued
Price₹1,105
Fair Value₹267
Quality50/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

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 PerpetualHome First Finance Company India
Valuation
197.8×P/E (TTM)21.4×
n/aP/S (TTM)11.86×
Negative equityP/B2.88×
n/aEV/EBITDA30.7×
+122.2%Fair value upside−75.8%
n/aDividend yield0.5%
n/aDividend per share₹5.20
Profitability
69.5%Operating margin66.9%
n/aEBIT margin trend (5Y)1.69×
Negative equityReturn on equity15.7%
0.4%Return on assets4.0%
Growth
33.9%Revenue growth (YoY)30.6%
92.6%Avg. growth/yr (3Y)40.5%
43.0%Avg. growth/yr (5Y)36.4%
+7.9%Value creation/yr+27.6%
Balance & size
n/aInterest coverage (EBIT/interest)19.9×
Negative equityDebt / equity2.43×
n/aMarket cap$1B
mixedGrowth qualityhealthy

Even match: 4 to 4 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 9 Home First Finance Company Indiaof which business quality 49 · market factors 51
ProfitabilityMargins and returns on capital today
36
40
Quality GrowthAre margins and returns improving?
29
66
CashflowEarnings quality: real cash, not paper profit
97
86
Fin. StrengthBalance sheet, leverage, solvency risk
0
38
InvestmentDisciplined investing over empire-building
62
33
Low VolatilityCalm price path (market factor)
24
75
MomentumPrice trend over the last 3–12 months (market factor)
4
42
52W MomentumDistance to the 52-week high (market factor)
0
39
Net IssuanceShare count: buybacks or dilution?
82
16

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 $10.80Home First Finance Company IndiaPrice ₹1,105
DCF Modelsn/a−60.6%below the price₹436
Earnings-Based+1,171.1%above the price$137+92.8%above the price₹2,131
Dividend Discountn/a−95.6%below the price₹48.91
Multiples+242.1%above the price$36.95−43.2%below the price₹628
Asset-Based+35.6%above the price$14.64−74.7%below the price₹279
Growth DCFn/a−60.2%below the price₹440
Economic Profit+173.5%above the price$29.54−62.4%below the price₹415
Minimum+35.6%above the price$14.64−95.6%below the price₹48.91
Maximum+1,171.1%above the price$137+92.8%above the price₹2,131
Median+207.8%above the price$33.25−60.6%below the price₹436
Geometric mean+256.3%above the price$38.49−64.4%below the price₹393

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.

Home First Finance Company India: 10 of 12 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 $10.80
Fair Value $24.00
Bear $19.31Bull $35.07
Home First Finance Company India
Price ₹1,105
Fair Value ₹267
Bear ₹267Bull ₹755

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

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+122.2% · Top 25%

Home First Finance Company India · Financials

Quality score50 · below median
Fair value upside−75.8% · bottom 25%

Bottom line

As of Oct 1, 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 $10.80 versus a fair value of $24.00 (+122.2%), while Home First Finance Company India trades at ₹1,105 versus ₹267 (−75.8%).

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

Open Federal Home Loan Mortgage Corp Pref Perpetual live analysis →

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

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