Franklin Credit Management Corporation (FCRM) Fund Overview
Educational signal · not a buy or sell recommendation · How to read this
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerFranklin Credit Management Corporation (FCRM) trades at $0.189. Franklin Credit Management Corporation is a specialty consumer finance company focused on servicing and resolving residential mortgage loans. Sector: Financials.
Price as of · Last analyzed: Mar 18, 2026Analyst Coverage for FCRM: FCRM does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
Franklin Credit Management Corporation (FCRM) Financial Services Profile
Franklin Credit Management Corporation, established in 1988, specializes in the servicing and resolution of residential mortgage loans, including both performing and nonperforming assets. The company's expertise extends to loan recovery, collection, and portfolio acquisition within the U.S. consumer finance market.
What Is the Investment Thesis for FCRM?
Franklin Credit Management Corporation presents a unique investment proposition within the specialty consumer finance sector. The company's focus on servicing and resolving distressed mortgage loans positions it to capitalize on market volatility and economic cycles. With a market capitalization of $0.00 billion and a negative P/E ratio of -0.42, the company's valuation reflects its current financial challenges. However, its 100% gross margin indicates potential profitability if operational efficiencies are improved. Key growth catalysts include strategic acquisitions of mortgage portfolios and expansion of servicing capabilities. A potential risk is the company's negative profit margin of -22.7%, requiring careful monitoring of cost management and revenue generation strategies. Investors should also consider the impact of interest rate fluctuations and regulatory changes on the mortgage market.
Based on FMP financials and quantitative analysis
FCRM Key Highlights
Gross Margin of 100.0% indicates strong potential profitability in loan servicing activities.
- Negative P/E Ratio of -0.42 reflects current losses, requiring scrutiny of turnaround strategies.
- Market Cap of $0.00B suggests the company is a micro-cap stock with potentially high volatility.
- Beta of -0.43 indicates a negative correlation with the market, potentially offering downside protection during market downturns.
- No Dividend Yield reflects a focus on reinvesting earnings for growth or current financial constraints.
Who Are FCRM's Competitors?
FCRM is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| RKT Rocket Companies, Inc. | $11.68 | -0.17% | $32.9B | — |
| PFSI PennyMac Financial Services, Inc. | $62.95 | +1.53% | $3.22B | — |
| ECPG Encore Capital Group, Inc. | $97.92 | +2.09% | $2.06B | 92 5-pillar |
| UWMC UWM Holdings Corporation | $1.29 | +2.38% | $1.91B | — |
| WD Walker & Dunlop, Inc. | $33.06 | -2.68% | $1.14B | — |
| VEL Velocity Financial, Inc. | $14.63 | +0.27% | $571M | 53 5-pillar |
| ONIT Onity Group Inc. | $27.50 | +0.88% | $233M | 33 5-pillar |
| SNFCA Security National Financial Corporation | $9.13 | +0.66% | $204M | 82 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FCRM's Key Strengths?
Specialized expertise in distressed mortgage assets.
- Established relationships with financial institutions.
- High gross margin potential.
- Experience in mortgage servicing and resolution.
What Are FCRM's Weaknesses?
Negative profit margin.
- Small market capitalization.
- Dependence on economic conditions and interest rates.
- Limited financial resources.
What Are the Key Risks for FCRM?
Negative return on equity (-44.6%) — the business is not currently generating profit on shareholder capital.
- Economic downturns and housing market declines impacting asset values.
- Increased competition from larger financial institutions with greater resources.
- Regulatory changes and compliance costs affecting profitability.
- Interest rate fluctuations impacting mortgage servicing and portfolio valuation.
- Liquidity risk associated with trading on the OTC market.
What Are FCRM's Competitive Advantages?
- Specialized expertise in servicing and resolving distressed mortgage loans.
- Established relationships with banks and institutional investors.
- Proprietary technology for loan servicing and portfolio management.
- Experience in navigating the complexities of the mortgage market.
What Does FCRM Do?
Franklin Credit Management Corporation, founded in 1988, operates as a specialty consumer finance company within the United States. The company's primary focus is the servicing and resolution of residential mortgage loans, encompassing performing, reperforming, and nonperforming assets. This includes specialized loan recovery and collection servicing, activities critical to managing distressed mortgage portfolios. Franklin Credit Management also engages in the analysis, pricing, and acquisition of residential mortgage portfolios on behalf of third parties, leveraging its expertise in asset valuation and risk management. Based in Jersey City, New Jersey, Franklin Credit Management has built a business around navigating the complexities of the mortgage market, particularly in the area of distressed assets. The company's services cater to a wide range of clients, including institutional investors, banks, and other financial institutions seeking to optimize their mortgage portfolios. By providing specialized servicing and resolution solutions, Franklin Credit Management aims to maximize the value of these assets while adhering to regulatory requirements and industry best practices. The company's long-standing presence in the market underscores its experience and capabilities in the consumer finance sector.
What Products and Services Does FCRM Offer?
- Services performing, reperforming, and nonperforming residential mortgage loans.
- Provides specialized loan recovery and collection servicing.
- Analyzes and prices residential mortgage portfolios.
- Acquires residential mortgage portfolios for third parties.
- Manages distressed mortgage assets.
- Offers solutions for banks and financial institutions to optimize their mortgage portfolios.
How Does FCRM Make Money?
- Generates revenue through fees for servicing residential mortgage loans.
- Earns income from the resolution of nonperforming loans.
- Profits from the acquisition and management of mortgage portfolios.
- Provides analytical services for pricing and valuing mortgage assets.
What Industry Does FCRM Operate In?
Franklin Credit Management Corporation operates within the financial services sector, specifically focusing on the mortgage industry. The market for mortgage servicing and resolution is influenced by factors such as interest rates, housing market trends, and economic conditions. The competitive landscape includes companies like APSI, CAMG, CBYI, CNXS, and FBDS, which offer similar services in mortgage servicing and asset management. The industry is also subject to regulatory oversight, including compliance with consumer protection laws and mortgage servicing regulations. Market trends include increasing demand for specialized servicing of distressed mortgage assets and the adoption of technology to improve efficiency and reduce costs.
Who Are FCRM's Key Customers?
- Banks and financial institutions with mortgage portfolios.
- Institutional investors seeking to acquire or manage mortgage assets.
- Third-party owners of residential mortgage portfolios.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
- ● This is a fund, not an operating company
MoonshotScore History
Recorded daily since 2026-08-23 · 41 snapshots
| 2026-08-23 | 49 |
| 2026-08-31 | 49 |
| 2026-09-08 | 49 |
| 2026-09-16 | 49 |
| 2026-09-24 | 49 |
| 2026-10-04 | 49 |
What changed?
The score has stayed at 49.
Over the same 30 days the stock moved +0.0%.
Company Profile
Franklin Credit Management Corporation operates in the Financial - Mortgages industry within the Financial Services sector. It is headquartered in Jersey City, US. The company is led by CEO Sean Hundtofte. FCRM has traded publicly since 2012.
Insider Activity
12 transactions · 10 purchases, 2 sales, 0 other transactions · 2 identified insiders · most recent available transactions. Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Financial Health
Franklin Credit Management Corporation's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.93 places it in the grey zone, a middle ground that warrants monitoring.
Key Financial Metrics
Return on equity for Franklin Credit Management Corporation stands at -44.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -22.8%, showing how much profit it generates from its asset base. A current ratio of 12.66 indicates the company holds enough short-term assets to cover its near-term obligations.
FCRM Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Specialized expertise in distressed mortgage assets.
- Established relationships with financial institutions.
- High gross margin potential.
- Experience in mortgage servicing and resolution.
Bear Case
- Negative profit margin.
- Small market capitalization.
- Dependence on economic conditions and interest rates.
- Limited financial resources.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FCRM Latest News
No recent news available for FCRM.
FCRM Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for FCRM.
Price Targets
Wall Street price target analysis for FCRM.
FCRM MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for FCRM; grades run from A+ (80-100) to F (below 30).
Leadership: Sean Hundtofte
CEO
Sean Hundtofte serves as the CEO of Franklin Credit Management Corporation, leading a team of 54 employees. However, as CEO, he is responsible for the overall strategic direction and operational management of the company.
Track Record: Due to the limited information available, specific achievements, strategic decisions, and company milestones under Sean Hundtofte's leadership cannot be detailed. His performance would be reflected in the company's financial results and operational efficiency during his tenure.
FCRM OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Franklin Credit Management Corporation may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and operational performance. Investing in OTC Other stocks carries higher risks due to the lack of regulatory oversight and potential for fraud or manipulation.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Low trading volume and wide bid-ask spreads create liquidity risk.
- Higher potential for fraud and manipulation due to less regulatory oversight.
- Greater price volatility due to limited market participation.
- Potential for delisting or suspension of trading.
- Verify the company's registration and compliance with securities laws.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Monitor trading volume and price volatility.
- Understand the risks associated with investing in OTC Other stocks.
- Longevity of operations (incorporated in 1988).
- Focus on a specific niche within the financial services sector.
- Existence of a management team (CEO Sean Hundtofte).
- Physical headquarters in Jersey City, New Jersey.
Common Questions About FCRM (Financials)
What do analysts say about FCRM stock?
Key valuation metrics, such as the negative P/E ratio of -0.42, suggest the company is currently unprofitable. Investors should carefully consider the company's financial performance, growth opportunities, and risk factors before making any investment decisions.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Limited information available on CEO background and track record.