Federal Home Loan Mortgage Corporation (FMCKI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Federal Home Loan Mortgage Corporation (FMCKI) trades at $8.07. Federal Home Loan Mortgage Corporation (FMCKI) operates in the U. S. secondary mortgage market, purchasing and securitizing single-family and multifamily residential mortgage loans. Market cap: $3.45B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for FMCKI: FMCKI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FMCKI against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FMCKI: 1/1 perspectives are bearish.
How is this calculated? →Federal Home Loan Mortgage Corporation (FMCKI) Financial Services Profile
Federal Home Loan Mortgage Corporation (FMCKI) facilitates liquidity in the U.S. mortgage market by purchasing and securitizing loans. Operating through its Single-family and Multifamily segments, the company serves diverse financial institutions. With a P/E ratio of 1.51 and a market capitalization of $3.45B, FMCKI plays a crucial role in the financial services sector.
What Is the Investment Thesis for FMCKI?
Federal Home Loan Mortgage Corporation (FMCKI) presents a unique investment profile within the financial services sector. With a market capitalization of $3.45B and a low P/E ratio of 1.51, the company's valuation appears attractive. A key value driver is its role in the secondary mortgage market, providing liquidity and stability. Ongoing catalysts include continued demand for mortgage-backed securities and potential regulatory changes that could benefit the company's operations. Potential risks include fluctuations in interest rates, which can impact the value of its mortgage portfolio, and changes in government policy related to housing finance. Monitoring the company's profit margin of 8.1% and its ability to maintain its market share is crucial for assessing its long-term performance.
Based on FMP financials and quantitative analysis
FMCKI Key Highlights
- Market capitalization of $3.45B, reflecting its significant presence in the secondary mortgage market.
- P/E ratio of 1.51, suggesting a potentially undervalued stock compared to its earnings.
- Profit margin of 8.1%, indicating its ability to generate profit from its operations.
- Gross margin of 100.0%, reflecting the nature of its business model in securitizing mortgages.
- Beta of 1.82, indicating higher volatility compared to the overall market.
Who Are FMCKI's Competitors?
FMCKI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| EFGXY EFG International AG | $20.80 | +0.00% | $6.22B | 44 |
| HCXLF Hiscox Ltd | $24.93 | +3.81% | $7.98B | 62 |
| HCXLY Hiscox Ltd | $52.13 | +3.24% | $8.36B | 47 |
| IGGHY IG Group Holdings plc | $25.84 | +3.36% | $8.54B | 52 |
| IGGRF IG Group Holdings plc | $24.80 | +0.00% | $8.19B | 53 |
| SNFCA Security National Financial Corporation | $9.86 | +1.39% | $221.25M | 73 |
| BETRW Better Home & Finance Holding Company | $0.20 | -1.46% | $441.57M | 69 |
| ECPG Encore Capital Group, Inc. | $89.85 | -0.84% | $1.93B | 66 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FMCKI's Key Strengths?
- Strong position in the secondary mortgage market.
- Expertise in mortgage securitization and risk management.
- Established relationships with mortgage lenders and investors.
- Government-sponsored enterprise (GSE) status.
What Are FMCKI's Weaknesses?
- Sensitivity to interest rate fluctuations.
- Reliance on government support and regulation.
- Exposure to mortgage credit risk.
- Complexity of its financial structure.
What Could Drive FMCKI Stock Higher?
- Continued demand for mortgage-backed securities (MBS) will drive revenue growth.
- Government initiatives to support affordable housing will create new opportunities.
- Potential regulatory changes that could benefit the company's operations.
- Technological innovation in mortgage securitization will improve efficiency.
- Strategic partnerships with fintech companies will expand its reach.
What Are the Key Risks for FMCKI?
- Financial-distress signal — its Altman Z-Score of 0.16 sits in the distress zone (elevated bankruptcy risk).
- Fluctuations in interest rates can impact the value of its mortgage portfolio.
- Changes in government policy related to housing finance can affect its operations.
- Economic downturn and housing market decline can reduce demand for mortgages.
- Increased competition from private mortgage securitizers can erode market share.
- Exposure to mortgage credit risk can lead to losses.
What Are the Growth Opportunities for FMCKI?
- Expansion of Multifamily Lending: The multifamily housing market presents a significant growth opportunity for FMCKI. With increasing urbanization and demand for rental housing, the company can expand its multifamily lending activities. The market size for multifamily mortgages is estimated to reach $500 billion by 2028. By leveraging its expertise in securitization and risk management, FMCKI can increase its market share and generate higher revenues. Timeline: Ongoing.
- Technological Innovation in Mortgage Securitization: Investing in technology to streamline the mortgage securitization process can improve efficiency and reduce costs. Implementing blockchain technology and AI-powered analytics can enhance transparency and risk assessment. The market for fintech solutions in mortgage lending is projected to reach $10 billion by 2027. FMCKI can gain a competitive advantage by adopting innovative technologies. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can provide FMCKI with access to new technologies and distribution channels. Partnering with online mortgage platforms can expand its reach to a wider customer base. The market for fintech partnerships in the mortgage industry is growing rapidly. FMCKI can benefit from these partnerships by offering innovative mortgage products and services. Timeline: Ongoing.
- Development of Green Mortgage Products: With increasing focus on environmental sustainability, FMCKI can develop green mortgage products that incentivize energy-efficient housing. Offering lower interest rates or other incentives for green homes can attract environmentally conscious borrowers. The market for green mortgages is expected to grow significantly in the coming years. FMCKI can position itself as a leader in sustainable housing finance. Timeline: Ongoing.
- Expansion into Affordable Housing Initiatives: Addressing the affordable housing crisis presents a significant opportunity for FMCKI. By participating in government-sponsored affordable housing programs and developing innovative financing solutions, the company can contribute to increasing housing affordability. The market for affordable housing finance is substantial and growing. FMCKI can play a vital role in addressing this critical social need. Timeline: Ongoing.
What Opportunities Does FMCKI Have?
- Expansion into new mortgage products and services.
- Increased demand for affordable housing finance.
- Technological innovation in mortgage securitization.
- Strategic partnerships with fintech companies.
What Threats Does FMCKI Face?
- Changes in government policy and regulation.
- Increased competition from private mortgage securitizers.
- Economic downturn and housing market decline.
- Rising interest rates and inflation.
What Are FMCKI's Competitive Advantages?
- Government-sponsored enterprise (GSE) status provides a competitive advantage.
- Established relationships with mortgage lenders and investors.
- Expertise in mortgage securitization and risk management.
- Significant scale and market share in the secondary mortgage market.
What Does FMCKI Do?
Federal Home Loan Mortgage Corporation, commonly known as Freddie Mac, was established in 1970 to expand the secondary mortgage market in the United States. The company's primary function is to purchase single-family and multifamily residential mortgage loans from lenders, subsequently securitizing these loans into mortgage-backed securities (MBS) that can be sold to investors. This process provides liquidity to mortgage originators, enabling them to issue more loans, and supports housing affordability. Freddie Mac operates through two main segments: Single-family and Multifamily. The Single-family segment focuses on purchasing, securitizing, and guaranteeing single-family mortgage loans, managing credit risk, and overseeing mortgage-related investments. The Multifamily segment deals with the purchase, sale, securitization, and guarantee of multifamily loans and securities. Freddie Mac serves a wide array of clients, including mortgage banking companies, commercial banks, credit unions, insurance companies, and government entities. Headquartered in McLean, Virginia, Freddie Mac plays a vital role in the U.S. housing finance system.
What Products and Services Does FMCKI Offer?
- Purchases single-family and multifamily residential mortgage loans from lenders.
- Securitizes mortgage loans into mortgage-backed securities (MBS).
- Guarantees the timely payment of principal and interest on MBS.
- Manages mortgage credit risk associated with its portfolio.
- Invests in mortgage loans and mortgage-related securities.
- Provides liquidity to the mortgage market, supporting housing affordability.
- Issues multifamily K and SB certificates.
- Offers credit risk transfer products.
How Does FMCKI Make Money?
- Generates revenue from the purchase and sale of mortgage loans and securities.
- Earns fees from guaranteeing the timely payment of principal and interest on MBS.
- Manages its investment portfolio to generate income.
- Profits from the difference between the interest earned on its assets and the interest paid on its liabilities.
What Industry Does FMCKI Operate In?
Federal Home Loan Mortgage Corporation operates within the financial services sector, specifically in the mortgage industry. The industry is influenced by factors such as interest rates, housing market trends, and government regulations. The secondary mortgage market, where Freddie Mac operates, plays a crucial role in providing liquidity to mortgage lenders and supporting housing affordability. The competitive landscape includes other government-sponsored enterprises (GSEs) and private mortgage securitizers. The mortgage industry is subject to cyclical trends and regulatory changes, impacting the performance of companies like Freddie Mac.
Who Are FMCKI's Key Customers?
- Mortgage banking companies
- Commercial banks
- Regional banks
- Credit unions
- Insurance companies
- Pension funds
- Real estate investment trusts (REITs)
Company Profile
Federal Home Loan Mortgage Corporation operates in the Financial - Mortgages industry within the Financial Services sector. It is headquartered in McLean, US. The company is led by CEO Kenny Smith. FMCKI has traded publicly since 2007.
F-Score 7/9Financial Health
Federal Home Loan Mortgage Corporation's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.16 places it in the distress zone, a signal of elevated financial risk.
ROE 17%Key Financial Metrics
Return on equity for Federal Home Loan Mortgage Corporation stands at 16.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. FMCKI trades at a trailing price-to-earnings ratio of 1.68, below the Financial Services sector average of ~18x. A current ratio of 1.53 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 59.4%, the inverse of the P/E and a quick read on earnings relative to price.
FMCKI Valuation & Market Position
With a $3.45B market cap, Federal Home Loan Mortgage Corporation sits in the mid-cap segment of the market.
FY2026 estForward Outlook
Wall Street analysts project Federal Home Loan Mortgage Corporation revenue of about $24.44B for fiscal 2026, with EPS near $3.87. The estimate reflects 4 contributing analysts.
FMCKI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in FMCKI's future, indicating that leadership believes in the company's potential.
- Community sentiment has shifted positively, with discussions highlighting the stability of mortgage-backed securities amid economic uncertainties.
- Analysts are noting improvements in the housing market, which could bode well for FMCKI's performance in the coming quarters.
- The company has been adapting its strategies to align with changing regulatory environments, showcasing resilience and forward-thinking.
Bear Case
- Concerns about rising interest rates have led to bearish sentiment, as they could impact mortgage affordability and demand.
- The community has expressed worries about potential economic slowdowns, which may affect FMCKI's loan origination volumes.
- Recent discussions have highlighted competitive pressures from other mortgage providers, raising questions about FMCKI's market share.
- Insider selling activity has been noted, which can signal a lack of confidence in the company's short-term prospects.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FMCKI Latest News
-
Fannie, Freddie Stock Drops on Pulte’s National Intelligence Appointment
The Wall Street Journal · Jun 2, 2026
-
Housing chief to top spy: Pulte named acting DNI in historic shakeup
Investing.com · Jun 2, 2026
-
Homebuyers Hammered as War-Fueled Bond Rout Drives Up Rates
Bloomberg · May 21, 2026
FMCKI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FMCKI.
Price Targets
Wall Street price target analysis for FMCKI.
FMCKI MoonshotScore
What does this score mean?
The MoonshotScore rates FMCKI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Kenny Smith
CEO
Kenny Smith serves as the CEO of Federal Home Loan Mortgage Corporation. His career spans over two decades in the financial services industry, with a focus on mortgage finance and risk management. Prior to joining Freddie Mac, Smith held leadership positions at several major financial institutions, where he oversaw mortgage operations and developed risk mitigation strategies. He holds an MBA from a top-tier business school and is a frequent speaker at industry conferences.
Track Record: Under Kenny Smith's leadership, Federal Home Loan Mortgage Corporation has focused on enhancing its risk management capabilities and expanding its affordable housing initiatives. He has overseen the implementation of new technologies to streamline operations and improve efficiency. Smith has also worked to strengthen relationships with mortgage lenders and investors, contributing to the company's stability and growth.
FMCKI OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Federal Home Loan Mortgage Corporation (FMCKI) may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited financial information available to the public, and trading activity may be sporadic. Investing in OTC Other stocks carries higher risks compared to stocks listed on major exchanges like the NYSE or NASDAQ due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in FMCKI.
- Low trading volume and wide bid-ask spreads can lead to price volatility.
- Lack of regulatory oversight exposes investors to potential fraud or manipulation.
- The company may not meet the minimum financial standards for higher OTC tiers.
- Potential for delisting or suspension of trading due to non-compliance.
- Verify the company's registration and legal status.
- Obtain and review audited financial statements.
- Assess the company's management team and their track record.
- Evaluate the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Monitor the company's news and announcements for any updates.
- The company has been in operation since 1970.
- FMCKI operates in the secondary mortgage market.
- The company has a significant number of employees (8076).
- The company's headquarters are located in McLean, Virginia.
- Kenny Smith is the CEO of the company.
FMCKI Financial Services Stock FAQ
What does Federal Home Loan Mortgage Corporation do?
Federal Home Loan Mortgage Corporation (FMCKI), also known as Freddie Mac, operates in the secondary mortgage market in the United States. It purchases single-family and multifamily residential mortgage loans from lenders and securitizes them into mortgage-backed securities (MBS). This process provides liquidity to the mortgage market, enabling lenders to originate more loans and supporting housing affordability. Freddie Mac also manages mortgage credit risk and invests in mortgage-related securities, playing a vital role in the U.S. housing finance system.
What are the main risks for FMCKI?
The main risks for Federal Home Loan Mortgage Corporation include fluctuations in interest rates, which can impact the value of its mortgage portfolio and profitability. Changes in government policy and regulation related to housing finance can also significantly affect its operations. Additionally, economic downturns and housing market declines can reduce demand for mortgages and increase credit risk. Increased competition from private mortgage securitizers and exposure to mortgage credit risk are also key considerations for investors.
What are the key factors to evaluate for FMCKI?
Evaluate FMCKI on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does FMCKI data refresh on this page?
FMCKI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FMCKI's recent stock price performance?
Federal Home Loan Mortgage Corporation (FMCKI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong position in the secondary mortgage market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FMCKI overvalued or undervalued right now?
Valuing Federal Home Loan Mortgage Corporation (FMCKI) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FMCKI?
Before investing in Federal Home Loan Mortgage Corporation (FMCKI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding FMCKI to a portfolio?
Key strength of Federal Home Loan Mortgage Corporation (FMCKI): Strong position in the secondary mortgage market. Weigh rewards against risks and diversify. Not financial advice.
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
Data provided for informational purposes only.
- OTC data may be less reliable than exchange-listed data.
- AI analysis pending for FMCKI.