Federal Home Loan Mortgage Corporation (FMCKK) Fair Value & Analysis
Financials · US · Market cap $44.8B
Federal Home Loan Mortgage Corporation
FMCKK · US
Fair value as of: Jul 26, 2026
From 4 valuation models · updated 15 days ago
Fair value updated Jul 26, 2026, revised from $28.26 to $24.00 (−15.1%) since Jun 26, 2026. Share price −3.7% over the past month.
A solid business, screening 85% undervalued on our models.
What matters now
- The price is below even our cautious bear case ($18.00). The market is more pessimistic than our downside scenario.
- Solid quality (51/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
60‑month range $2.24 – $25.00 · fair‑value band $18.00 – $30.00 · the $13.00 price screens below the $24.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
Federal Home Loan Mortgage Corporation (FMCKK) currently trades at $13.00, while our model-based Fair Value estimate is $24.00, implying the stock looks roughly 84.6% undervalued today. The Quality Score stands at 51/100 (solid quality), in the Financials sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Net debt stands at $3.4T. Fundamentals as of Jul 26, 2026
Our scenario range runs from $18.00 (bear case) to $30.00 (bull case); at $13.00, the current price sits below 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 49% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financials peers we cover trades at 47% fair-value upside, at 85%, FMCKK 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 4 models by family
Widest divergence: Multiples ($28.61) versus Asset-Based ($13.69). Highest evidence: Residual Income (76).
Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 19
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
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Federal Home Loan Mortgage Corporation 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.
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Peer Group
Financials · 3352 stocks
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.)
Valuation Multiples vs Financials 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.
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 Banking Services stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
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|---|---|---|---|
| LTG LTG | 14.30 PHP | 28.60 PHP | +100% |
| FDC FDC | 4.27 PHP | 8.54 PHP | +100% |
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| Han Kook Capital.Co., Ltd 023760 | 698.00 KRW | 1,396 KRW | +100% |
| 533295 533295 | ₹23.19 | ₹28.07 | +21% |
| Sangsangin Co 038540 | 1,997 KRW | 3,994 KRW | +100% |
| BPC BPC | 0.0850 PLN | 0.0100 PLN | -88% |
| Mason Capital Corporation 021880 | 1,133 KRW | 182.72 KRW | -84% |
| KIFS KIFS | ₹115.00 | ₹95.97 | -17% |
| ACME ACME | ₹30.40 | ₹7.20 | -76% |
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Frequently asked questions
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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.
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