Federal Home Loan Mortgage Corp Pref 5 (FMCKK) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Federal Home Loan Mortgage Corp Pref 5 $21.56, price $10.78, upside +100.0%, quality 51 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 $2.24 – $25.00 · fair‑value band $16.31 – $34.52 · the $10.78 price screens below the $21.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Federal Home Loan Mortgage Corporation operates in the secondary mortgage market in the United States. The company purchases residential mortgage loans originated by lenders, as well as invests in mortgage loans and mortgage-related securities. It operates in three segments: Single-family Guarantee, Multifamily, and Capital Markets.
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Federal Home Loan Mortgage Corporation operates in the secondary mortgage market in the United States. The company purchases residential mortgage loans originated by lenders, as well as invests in mortgage loans and mortgage-related securities. It operates in three segments: Single-family Guarantee, Multifamily, and Capital Markets. The Single-family Guarantee segment purchases, securitizes, and guarantees single-family loans; and manages single-family mortgage credit risk. This segment serves lenders, including mortgage banking companies, commercial banks, community banks, regional banks, credit unions, housing finance agencies, savings institutions, and other non-depository financial institutions. The Multifamily segment engages in the purchase, sale, securitization, and guarantee activities in multifamily loans and securities through the issuance of multifamily K and SB certificates; issuing and guarantying other securitization products; issuing other credit risk transfer products; and provision of other mortgage-related guarantees, as well as post-construction financing to apartment project operators. The Capital Markets segment invests principally in mortgage-related securities and single-family performing loans. This segment serves banks and other depository institutions, insurance companies, money managers, central banks, pension funds, state and local governments, real estate investment trusts, brokers and dealers, and lenders. Federal Home Loan Mortgage Corporation was founded in 1970 and is headquartered in McLean, Virginia.
Stock analysis
Federal Home Loan Mortgage Corp Pref 5 (FMCKK) currently trades at $10.78, while our model-based Fair Value estimate is $21.56, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $23.72 per share, and 4 of the 4 models we run sit above the $10.78 price.
Bear case: the Asset-Based group reads lowest at $11.35, and 0 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: $16.31 (bear) to $34.52 (bull), the price of $10.78 sits below 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 51/100 (solid quality), in the Financials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Federal Home Loan Mortgage Corp Pref 5 reported revenue of $23.3B in FY2025 versus $4.4B in FY2021, a compound +51.9%/yr. Reported net income was $10.7B in FY2025, compounding −3.0%/yr from FY2021.
Key figures
Market cap $44.8B · Net margin 46.1% · Return on assets (EBIT) −0.1% · Free cash flow $19.4B · Net debt $3.4T.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).
What moves the price
The share trades about 57% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financials peers we cover trades at 81% fair-value upside, at 100%, FMCKK screens cheaper than that median.
Fair Value models
Bear $16.31Fair Value $21.56Bull $34.52
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.67/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−2.7%
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.
+92.6%
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.
+6.9%
Start year 2020 (pandemic). Over 10 years: −9.5% a year
Revenue growth 10 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.
−9.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Banking Services” was too small, so the broader sector is used.)Financials · 3337 stocks
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Cite: Fair Value Calculator (2026). "Federal Home Loan Mortgage Corp Pref 5 Fair Value". https://www.fairvalue-calculator.com/stock/FMCKK
Frequently asked questions
Is Federal Home Loan Mortgage Corp Pref 5 (FMCKK) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $21.56 versus a price of $10.78, about +100% upside (undervalued).
What is the fair value of FMCKK?
Our model-based fair value for Federal Home Loan Mortgage Corp Pref 5 is $21.56 (as of Sep 24, 2026), built from audited fundamentals. The current price: $10.78.
What is the quality score of FMCKK?
Federal Home Loan Mortgage Corp Pref 5 has a Quality Score of 51/100. 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 Federal Home Loan Mortgage Corp Pref 5 (FMCKK)?
Our model-based price target is the fair value of $21.56 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $16.31, optimistic scenario $34.52. It is a calculation from audited fundamentals, not an analyst target.
What is the Federal Home Loan Mortgage Corp Pref 5 stock forecast for 2026?
Our models put fair value at $21.56, about +100% upside versus a price of $10.78 (undervalued). Cautious scenario $16.31, optimistic scenario $34.52. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Federal Home Loan Mortgage Corp Pref 5 (FMCKK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Federal Home Loan Mortgage Corp Pref 5 it is $21.56 per share (as of Sep 24, 2026), against a price of $10.78. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Federal Home Loan Mortgage Corp Pref 5 stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FMCKK trades below its calculated fair value: price $10.78, fair value $21.56, a gap of about +100% (undervalued). 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 FMCKK?
No. The price is what the market pays today ($10.78); the fair value is what the company's own numbers justify ($21.56). For Federal Home Loan Mortgage Corp Pref 5 the two are $10.78 per share apart. That gap is exactly why we show both numbers side by side.
How much is Federal Home Loan Mortgage Corp Pref 5 worth?
The market values Federal Home Loan Mortgage Corp Pref 5 at about $44.8B (market capitalisation, as of Sep 24, 2026). Per share that is $10.78; our models calculate a fair value of $21.56 per share.
What do the bullish and bearish scenarios say about FMCKK?
Our models span a range for Federal Home Loan Mortgage Corp Pref 5: cautious scenario $16.31, base $21.56, optimistic $34.52 per share (as of Sep 24, 2026, price $10.78). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is FMCKK from its 52-week high?
Federal Home Loan Mortgage Corp Pref 5 trades at $10.78, about 57% below its 52-week high of $25.00 and at the low of $10.78 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $21.56 is for.
Which stocks are comparable to Federal Home Loan Mortgage Corp Pref 5?
From the same area (Financials) we also value LTG, FDC, 535789, Han Kook Capital.Co., Ltd, 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 Federal Home Loan Mortgage Corp Pref 5 stock attractive at the current price?
The data as of Sep 24, 2026: price $10.78, calculated fair value $21.56 (+100%), Quality Score 51/100, from 4 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 FMCKK calculated?
We run Federal Home Loan Mortgage Corp Pref 5 through 4 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 $21.56, 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 14.1 % above its aggregate fair value. Federal Home Loan Mortgage Corp Pref 5 currently trades 100 % below its own fair value, and the market average says nothing about that. 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 Federal Home Loan Mortgage Corp Pref 5 (FMCKK)?
The closing price on Sep 23, 2026 was $10.78. Our model-based fair value is $21.56, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Federal Home Loan Mortgage Corp Pref 5 right now?
The price is below even our cautious bear case ($16.31). The market is more pessimistic than our downside scenario. 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 quality (51/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($16.31 to $34.52) leaves room in how you read the outcome.
Key figures of Federal Home Loan Mortgage Corp Pref 5
How large is the market capitalisation of Federal Home Loan Mortgage Corp Pref 5 (FMCKK)?
The market capitalisation of Federal Home Loan Mortgage Corp Pref 5 is $44.8B. 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 net margin of Federal Home Loan Mortgage Corp Pref 5 (FMCKK)?
The net margin of Federal Home Loan Mortgage Corp Pref 5 is 46.1% (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 EBIT return on assets of Federal Home Loan Mortgage Corp Pref 5 (FMCKK)?
On an EBIT basis the return on assets of Federal Home Loan Mortgage Corp Pref 5 is −0.1% (avg 2y). 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.
How much free cash flow does Federal Home Loan Mortgage Corp Pref 5 (FMCKK) generate?
The free cash flow of Federal Home Loan Mortgage Corp Pref 5 is $19.4B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Federal Home Loan Mortgage Corp Pref 5 (FMCKK) carry?
The net debt of Federal Home Loan Mortgage Corp Pref 5 is $3.4T (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 24, 2026