Franklin Credit Management Corporation (FCRM) Fair Value & Analysis
Financial Services · US · Market cap $1.2M
Franklin Credit Management Corporation
FCRM · US
Fair value as of: Jul 31, 2026
From 1 valuation models · updated 10 days ago
Fair value updated Jul 31, 2026, revised from $0.0900 to $0.0320 (−64.4%) since Jun 26, 2026. Share price −67.0% over the past month.
Below-average quality, currently priced close to our fair value.
What matters now
- The price sits above even our optimistic bull case ($0.0320). The favourable scenario is already priced in.
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- The models converge in a tight band ($0.0287 to $0.0320), unusually little disagreement for a valuation.
- Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 31, 2026.
How to read this chart
60‑month range $0.0001 – $0.9000 · fair‑value band $0.0287 – $0.0320 · the $0.0330 price screens above the $0.0320 fair value. Dashed = 300-day average. As of Jul 31, 2026.
Analysis
Franklin Credit Management Corporation (FCRM) currently trades at $0.0330, while our model-based Fair Value estimate is $0.0320, implying the stock looks roughly 3.0% fairly valued today. The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).
Over the trailing twelve months, Franklin Credit Management Corporation generated revenue of $8.8M at a net margin of 9.1%. Revenue declined 23.7% year over year. It earns a return on equity of 11.2%. The balance sheet holds a net cash position of $2.7M. Fundamentals as of Jul 31, 2026
Our scenario range runs from $0.0287 (bear case) to $0.0320 (bull case); at $0.0330, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 76% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -25% fair-value upside, at -3%, FCRM screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 1 models by family
Notify me when FCRM reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 52 · Market factors (momentum, volatility) 30
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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 …
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
Watch FCRM: get an alert when its fair value changes →
Peer Group
Mortgage Finance · 90 stocks
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.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $13.90 | $27.80 | +100% |
| Rocket Companies, Inc RKT | $14.60 | $10.95 | -25% |
| Federal National Mortgage Association FNMAS | $9.55 | $1.93 | -80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹91.33 | ₹61.48 | -33% |
| PennyMac Financial Services, Inc PFSI | $82.35 | $125.45 | +52% |
| UWM Holdings UWMC | $2.02 | $0.2200 | -89% |
| LIC Housing Finance Limited LICHSGFIN | ₹505.00 | ₹1,010 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,150 | ₹762.89 | -34% |
| Aadhar Housing Finance Limited AADHARHFC | ₹496.70 | ₹501.16 | +1% |
| Walker & Dunlop, Inc WD | $48.20 | $32.55 | -32% |
Compare Franklin Credit Management Corporation with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Franklin Credit Management Corporation (FCRM) overvalued or undervalued?
What is the fair value of FCRM?
What is the quality score of FCRM?
What is the revenue of Franklin Credit Management Corporation (FCRM)?
What is the net profit margin of FCRM?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Franklin Credit Management Corporation and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.