Purchases single-family residential mortgage loans from various lenders across the U.S. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 21% a year over the last 4 years. Every year shown ended in profit.
The market pays 0.3× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Analysts' average target sits 78% above today's price.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
An investor who bought at the very peak is down 64% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Over the last 4 years, sales grew about 21% a year on average.
Since the drop from its peak, buyer appetite hasn’t come back. Council score: 3/10.
Against everything we grade, FMCC lands somewhere in the middle. The grade moves as the numbers move.
The takeaway: FMCC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.