Franklin Credit Management Corporation (FCRM) fair value: what the stock is really worth
As of Aug 31, 2026: fair value of Franklin Credit Management Corporation $0.09, price $0.19, upside -52.4%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.0100 – $0.9000 · fair‑value band $0.0600 – $0.1100 · the $0.1890 price screens above the $0.0900 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Franklin Credit Management Corporation operates as a specialty consumer finance company in the United States.
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Franklin Credit Management Corporation operates as a specialty consumer finance company in the United States. The company is involved in the servicing and resolution of performing, reperforming, and nonperforming residential mortgage loans, including specialized loan recovery and collection servicing, as well as in the analysis, pricing, and acquisition of residential mortgage portfolios for third parties. The company also provides services including portfolio management, loan collection, foreclosure management, and real estate owned (REO) disposition. Franklin Credit Management Corporation was incorporated in 1995 and is based in Jersey City, New Jersey.
Stock analysis
Franklin Credit Management Corporation (FCRM) currently trades at $0.1890, while our model-based Fair Value estimate is $0.0900, implying the stock looks roughly 110.0% overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $0.0600 (bear) to $0.1100 (bull), the price of $0.1890 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Franklin Credit Management Corporation reported revenue of $6.3M in FY2025 versus $6.5M in FY2021, a compound −0.7%/yr. Reported net income was −$2.8M in FY2025.
Key figures
Market cap $1.9M · P/S ratio 0.22 · EPS (TTM) $−0.2800 · Net margin −45.1% · Return on equity 11.2% · Return on assets (EBIT) −8.3% · Operating margin −50.7% · Revenue (TTM) $8.8M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).
What moves the price
The share trades at its 52-week high and 473% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 17% fair-value upside, at −52%, FCRM screens richer than that median.
Fair Value models
Bear $0.0600Fair Value $0.0900Bull $0.1100
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.6/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−14.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−8.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.3%
Start year 2020 (pandemic). Over 10 years: −1.8% a year
Revenue growth 15 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−7.3%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−2.1% (2020) → −43.9% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Franklin Credit Management Corporation with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 93 stocks
Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside−52% · Below median
Profitability
Return on equity (TTM)11% · Above median
Return on assets−11% · Bottom 25%
Net margin (TTM)9% · Bottom 25%
Operating margin (TTM)−51% · Bottom 25%
Growth and dividend
Revenue growth−24% · Bottom 25%
Balance sheet
Debt / equity0.17× · Lowest 25%
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
P/B0.38× · Cheapest 25%
P/S (TTM)0.22× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)0· sector 100
PAST (return on equity)45· sector 42
HEALTH (low debt)91· sector 25
DIVIDEND (yield)0· sector 98
VALUE 0: the price sits above our fair-value range.
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Is Franklin Credit Management Corporation (FCRM) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.0900 versus the last price from Aug 31, 2026 of $0.1890, about −52% upside (overvalued).
What is the fair value of FCRM?
Our model-based fair value for Franklin Credit Management Corporation is $0.0900 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Aug 31, 2026): $0.1890.
What is the quality score of FCRM?
Franklin Credit Management Corporation has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Franklin Credit Management Corporation (FCRM)?
Our model-based price target is the fair value of $0.0900 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario $0.0600, optimistic scenario $0.1100. It is a calculation from audited fundamentals, not an analyst target.
What is the Franklin Credit Management Corporation stock forecast for 2026?
Our models put fair value at $0.0900, about −52% upside versus the last price from Aug 31, 2026 of $0.1890 (overvalued). Cautious scenario $0.0600, optimistic scenario $0.1100. The calculation is refreshed regularly with new filings.
What is the revenue of Franklin Credit Management Corporation (FCRM)?
Franklin Credit Management Corporation reported trailing-twelve-month revenue of about $8.8M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Franklin Credit Management Corporation (FCRM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Franklin Credit Management Corporation it is $0.0900 per share (as of Sep 24, 2026), against a price of $0.1890. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Franklin Credit Management Corporation stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FCRM trades above its calculated fair value: price $0.1890, fair value $0.0900, a gap of about −52% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FCRM?
No. The price is what the market pays today ($0.1890); the fair value is what the company's own numbers justify ($0.0900). For Franklin Credit Management Corporation the two are $0.0990 per share apart. That gap is exactly why we show both numbers side by side.
How much is Franklin Credit Management Corporation worth?
The market values Franklin Credit Management Corporation at about $1.9M (market capitalisation, as of Sep 24, 2026). Per share that is $0.1890; our models calculate a fair value of $0.0900 per share.
What do the bullish and bearish scenarios say about FCRM?
Our models span a range for Franklin Credit Management Corporation: cautious scenario $0.0600, base $0.0900, optimistic $0.1100 per share (as of Sep 24, 2026, price $0.1890). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Franklin Credit Management Corporation (FCRM)?
Balance-sheet figures for Franklin Credit Management Corporation (as of Sep 24, 2026): return on equity 11.2%, debt of 0.17 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is FCRM from its 52-week high?
Franklin Credit Management Corporation trades at $0.1890, at its 52-week high of $0.1890 and 473% above the low of $0.0330 (as of Aug 31, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0900 is for.
Which stocks are comparable to Franklin Credit Management Corporation?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Franklin Credit Management Corporation stock attractive at the current price?
The data as of Sep 24, 2026: price $0.1890, calculated fair value $0.0900 (−52%), Quality Score 52/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FCRM calculated?
We run Franklin Credit Management Corporation through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0900, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Franklin Credit Management Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Franklin Credit Management Corporation (FCRM)?
The latest price we hold is from Aug 31, 2026 and stands at $0.1890. Our model-based fair value is $0.0900, about −52% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Franklin Credit Management Corporation right now?
The price sits above even our optimistic bull case ($0.1100). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($0.0600 to $0.1100) leaves room in how you read the outcome.
Key figures of Franklin Credit Management Corporation
How large is the market capitalisation of Franklin Credit Management Corporation (FCRM)?
The market capitalisation of Franklin Credit Management Corporation is $1.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Franklin Credit Management Corporation (FCRM)?
The price-to-sales ratio of Franklin Credit Management Corporation is 0.22 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Franklin Credit Management Corporation (FCRM)?
Earnings per share at Franklin Credit Management Corporation are $−0.2800. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Franklin Credit Management Corporation (FCRM)?
The net margin of Franklin Credit Management Corporation is −45.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Franklin Credit Management Corporation (FCRM)?
The return on equity (ROE) of Franklin Credit Management Corporation is 11.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Franklin Credit Management Corporation (FCRM)?
On an EBIT basis the return on assets of Franklin Credit Management Corporation is −8.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Franklin Credit Management Corporation (FCRM)?
The operating margin of Franklin Credit Management Corporation is −50.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Franklin Credit Management Corporation (FCRM)?
Revenue at Franklin Credit Management Corporation is growing −23.7% versus a year earlier (3y avg −8.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Franklin Credit Management Corporation (FCRM) generate?
The free cash flow of Franklin Credit Management Corporation is −$3.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Franklin Credit Management Corporation (FCRM) hold?
Franklin Credit Management Corporation holds more cash than debt, $2.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 24, 2026