Federal Home Loan Mortgage Corporation PFD (FMCKK)
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 PFD (FMCKK) trades at $14.00. Federal Home Loan Mortgage Corporation (FMCKK) is a government-sponsored enterprise focused on purchasing and securitizing residential mortgage loans. Market cap: $3.69B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for FMCKK: FMCKK 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 FMCKK against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FMCKK: 1/1 perspectives are bearish.
How is this calculated? →Federal Home Loan Mortgage Corporation PFD (FMCKK) Financial Services Profile
Federal Home Loan Mortgage Corporation (FMCKK), a government-sponsored enterprise, operates in the financial services sector, focusing on the mortgage market. It purchases, securitizes, and guarantees single-family and multifamily loans, contributing to housing affordability and stability with a market capitalization of $3.69B and a P/E ratio of 1.56.
What Is the Investment Thesis for FMCKK?
Federal Home Loan Mortgage Corporation (FMCKK) presents a unique investment case given its role as a government-sponsored enterprise in the mortgage market. Key value drivers include the ongoing demand for housing and the company's ability to generate revenue through securitization and guarantee fees. With a market capitalization of $3.69B and a P/E ratio of 1.56, FMCKK's valuation appears attractive relative to its earnings. Growth catalysts include potential expansions in the multifamily housing market and innovations in mortgage products. However, investors should be aware of potential risks, including regulatory changes, interest rate fluctuations, and credit risk associated with mortgage loans. Monitoring the company's financial performance, particularly its profit margin of 8.1% and its management of mortgage credit risk, is crucial for assessing its long-term investment viability.
Based on FMP financials and quantitative analysis
FMCKK Key Highlights
- Market Cap of $3.69B indicates substantial size and market presence within the mortgage industry.
- P/E Ratio of 1.56 suggests the company may be undervalued compared to its earnings.
- Profit Margin of 8.1% reflects the company's ability to generate profit from its operations.
- Gross Margin of 100.0% indicates efficient management of costs associated with its core business activities.
- Beta of 0.71 suggests lower volatility compared to the overall market, potentially offering a more stable investment.
Who Are FMCKK's Competitors?
FMCKK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CCRDF Yokohama Financial Group, Inc. | $10.35 | +0.00% | $11.50B | 56 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| EFGXY EFG International AG | $20.80 | +0.00% | $6.22B | 44 |
| IGGHY IG Group Holdings plc | $25.84 | +3.36% | $8.54B | 52 |
| ITCFY Investec Group | $15.83 | +3.67% | $6.73B | 56 |
| 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 FMCKK's Key Strengths?
- Government-sponsored enterprise (GSE) status.
- Large scale and market presence.
- Expertise in mortgage securitization.
- Established relationships with mortgage lenders.
What Are FMCKK's Weaknesses?
- Exposure to regulatory and political risks.
- Sensitivity to interest rate fluctuations.
- Dependence on the U.S. housing market.
- Potential for credit losses on mortgage loans.
What Could Drive FMCKK Stock Higher?
- Government policies supporting housing affordability could positively impact FMCKK's business.
- Increasing demand for rental housing may drive growth in the multifamily segment.
- Potential regulatory changes could create new opportunities or challenges for the company.
- Innovation in mortgage products and securitization technologies could improve efficiency.
- Strategic partnerships with fintech companies may enhance digital capabilities.
What Are the Key Risks for FMCKK?
- Financial-distress signal — its Altman Z-Score of 0.11 sits in the distress zone (elevated bankruptcy risk).
- Changes in government regulations could negatively impact FMCKK's operations.
- Rising interest rates could reduce demand for mortgages and affect profitability.
- Economic downturns and housing market declines could lead to credit losses.
- Competition from private mortgage companies could erode market share.
- The company's financial performance is sensitive to fluctuations in the U.S. housing market.
What Are the Growth Opportunities for FMCKK?
- Expansion in Multifamily Housing: The multifamily housing market presents a significant growth opportunity for FMCKK. With increasing urbanization and demand for rental properties, the company can expand its securitization and guarantee activities in this segment. The market size for multifamily mortgages is projected to grow, offering potential revenue increases for FMCKK. By focusing on innovative financing solutions and risk management strategies, the company can capitalize on this trend and strengthen its position in the multifamily housing market. Timeline: Ongoing.
- Technological Innovation in Mortgage Securitization: Embracing technological advancements in mortgage securitization can drive efficiency and reduce costs for FMCKK. Implementing blockchain technology for secure and transparent mortgage transactions can attract investors and enhance market confidence. Investing in data analytics and AI-powered risk assessment tools can improve loan quality and reduce credit losses. The market for fintech solutions in the mortgage industry is expanding, offering opportunities for FMCKK to gain a competitive edge. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enhance FMCKK's digital capabilities and expand its reach to new customer segments. Partnering with online mortgage platforms can streamline the loan origination process and improve customer experience. Integrating fintech solutions for automated underwriting and fraud detection can reduce operational costs and improve loan quality. The market for fintech partnerships in the mortgage industry is growing, providing opportunities for FMCKK to innovate and stay competitive. Timeline: Ongoing.
- Development of Sustainable Mortgage Products: Creating mortgage products that promote energy efficiency and sustainable housing can attract environmentally conscious borrowers and investors. Offering incentives for green building and energy-efficient home improvements can drive demand for these products. The market for sustainable mortgages is expanding, driven by increasing awareness of environmental issues and government initiatives to promote green building. By positioning itself as a leader in sustainable mortgage finance, FMCKK can enhance its reputation and attract socially responsible investors. Timeline: Upcoming.
- Geographic Expansion into Underserved Markets: Expanding its operations into underserved markets can drive growth and promote housing affordability in communities with limited access to mortgage financing. Partnering with local lenders and community organizations can help FMCKK reach new borrowers and address specific housing needs. The market for affordable housing finance is growing, driven by increasing income inequality and government initiatives to promote homeownership among low- and moderate-income households. By focusing on underserved markets, FMCKK can fulfill its mission of promoting housing affordability and stability. Timeline: Upcoming.
What Opportunities Does FMCKK Have?
- Expansion in multifamily housing market.
- Technological innovation in mortgage securitization.
- Strategic partnerships with fintech companies.
- Development of sustainable mortgage products.
What Threats Does FMCKK Face?
- Changes in government regulations.
- Increased competition from private mortgage companies.
- Economic downturns and housing market declines.
- Rising interest rates.
What Are FMCKK's Competitive Advantages?
- Government-sponsored enterprise (GSE) status provides a competitive advantage.
- Established relationships with a vast network of mortgage lenders.
- Expertise in mortgage securitization and risk management.
- Significant scale and market presence in the U.S. housing market.
What Does FMCKK Do?
Federal Home Loan Mortgage Corporation, commonly known as Freddie Mac, was established to expand the secondary mortgage market in the United States. As a government-sponsored enterprise (GSE), Freddie Mac's primary mission is to provide liquidity, stability, and affordability to the housing market. The company purchases mortgage loans from lenders, packages them into mortgage-backed securities (MBS), and sells them to investors. This process replenishes lenders' funds, allowing them to originate more mortgages. 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. This includes managing credit and market risks associated with these loans. The Multifamily segment handles the purchase, securitization, and guarantee of multifamily mortgage loans, along with managing the related risks. Freddie Mac's activities support homeownership and rental housing across the country. The company's headquarters are located in McLean, Virginia, and it employs over 6,900 people. Freddie Mac plays a crucial role in the U.S. housing finance system, working to ensure a stable and accessible mortgage market.
What Products and Services Does FMCKK Offer?
- Purchases residential mortgage loans from lenders.
- Securitizes mortgage loans into mortgage-backed securities (MBS).
- Guarantees the timely payment of principal and interest on MBS.
- Invests in mortgage loans and mortgage-related securities.
- Manages mortgage credit risk and market risk.
- Provides liquidity and stability to the U.S. housing market.
How Does FMCKK Make Money?
- Generates revenue through guarantee fees on mortgage-backed securities.
- Earns income from interest on its investment portfolio of mortgage loans and securities.
- Profits from the difference between the purchase price and the securitization price of mortgage loans.
- Manages risk through diversification and hedging strategies.
What Industry Does FMCKK Operate In?
Federal Home Loan Mortgage Corporation (FMCKK) 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. As a government-sponsored enterprise, FMCKK plays a significant role in providing liquidity and stability to the U.S. mortgage market. The competitive landscape includes other GSEs and private mortgage companies. Market trends such as increasing demand for housing and evolving mortgage products impact FMCKK's operations and financial performance. The company's ability to adapt to these trends and maintain its market position is crucial for its long-term success.
Who Are FMCKK's Key Customers?
- Mortgage lenders (banks, credit unions, mortgage companies).
- Investors in mortgage-backed securities (pension funds, insurance companies, mutual funds).
- Homeowners seeking affordable mortgage financing.
- Renters seeking access to quality rental housing.
F-Score 7/9Financial Health
Federal Home Loan Mortgage Corporation PFD'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 0.11 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Federal Home Loan Mortgage Corporation PFD revenue of about $24.44B for fiscal 2026, with EPS near $3.87.
FMCKK Financials
Bull Case vs Bear Case
Bull Case
- Insider buying signals confidence, suggesting management believes the stock is undervalued.
- Community sentiment leans positive, indicating a belief in the company's long-term prospects.
- Market perception sees potential in the housing market recovery, boosting related stocks.
- Recent developments suggest a favorable regulatory environment, benefiting the company's operations.
Bear Case
- Insider selling, even if for personal reasons, can create negative market perception.
- Bearish community views highlight concerns about the company's debt levels and risk exposure.
- Market perception of rising interest rates could dampen enthusiasm for mortgage-related companies.
- Recent developments indicate increased competition, potentially impacting market share and profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FMCKK 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
FMCKK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FMCKK.
Price Targets
Wall Street price target analysis for FMCKK.
FMCKK MoonshotScore
What does this score mean?
The MoonshotScore rates FMCKK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Michael J. DeVito
CEO
Michael J. DeVito serves as the CEO of Federal Home Loan Mortgage Corporation. His career spans several decades in the financial services and mortgage industries. Before joining Freddie Mac, DeVito held leadership positions at various financial institutions, where he focused on mortgage origination, servicing, and risk management. His experience includes managing large teams and overseeing significant mortgage portfolios. DeVito's background equips him with a deep understanding of the complexities of the housing finance system and the challenges facing the mortgage industry.
Track Record: Since assuming the role of CEO, Michael J. DeVito has focused on enhancing Freddie Mac's operational efficiency and strengthening its risk management practices. He has overseen initiatives to modernize the company's technology infrastructure and improve its customer service capabilities. Under his leadership, Freddie Mac has continued to play a crucial role in supporting the U.S. housing market and promoting affordable housing opportunities.
FMCKK OTC Market Information
The OTC Other tier represents the lowest tier of over-the-counter (OTC) markets. Companies in this tier often have limited financial disclosure and may not meet the minimum listing requirements of major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the lack of regulatory oversight and transparency compared to listed companies. Information on these companies may be scarce, making it challenging to assess their financial health and long-term prospects. Investors should exercise extreme caution and conduct thorough due diligence before considering investments in this tier.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in FMCKK.
- Low trading volume and wide bid-ask spreads can make it difficult to buy or sell shares.
- Lack of regulatory oversight increases the potential for fraud and manipulation.
- The company's financial health and long-term prospects may be uncertain.
- OTC Other stocks are generally more volatile than listed stocks.
- Verify the company's registration and legal status.
- Obtain and review any available financial statements.
- Assess the company's business model and competitive position.
- Evaluate the management team and their track record.
- Understand the risks associated with investing in OTC stocks.
- Consult with a qualified financial advisor.
- Check for any regulatory actions or legal proceedings against the company.
- Government-sponsored enterprise (GSE) status provides some level of credibility.
- The company has been operating for a significant period.
- Presence of a CEO and management team.
- Involvement in the U.S. housing market.
Common Questions About FMCKK (Financial Services)
What does Federal Home Loan Mortgage Corporation PFD do?
Federal Home Loan Mortgage Corporation (FMCKK), also known as Freddie Mac, operates as a government-sponsored enterprise (GSE) to stabilize and provide liquidity to the U.S. mortgage market. It primarily purchases mortgage loans from lenders, securitizes these loans into mortgage-backed securities (MBS), and guarantees the timely payment of principal and interest to investors. This process helps lenders replenish their funds, enabling them to originate more mortgages and support homeownership and rental housing across the country. FMCKK operates through Single-Family and Multifamily segments, managing credit and market risks associated with these loans.
What are the main risks for FMCKK?
Federal Home Loan Mortgage Corporation (FMCKK) faces several risks inherent to its position in the mortgage market. Changes in government regulations and policies can significantly impact its operations and profitability. Rising interest rates could reduce demand for mortgages, affecting its revenue from securitization and guarantee fees. Economic downturns and housing market declines could lead to increased credit losses on mortgage loans. Competition from private mortgage companies also poses a threat to its market share. Effective risk management and adaptation to market conditions are crucial for mitigating these risks.
How is Federal Home Loan Mortgage Corporation PFD adapting to fintech disruption?
Federal Home Loan Mortgage Corporation PFD is exploring various avenues to adapt to fintech disruption. Strategic partnerships with fintech companies are being pursued to enhance digital capabilities and streamline mortgage processes. Investments in data analytics and AI-powered risk assessment tools are aimed at improving loan quality and reducing operational costs. The company is also evaluating the potential of blockchain technology for secure and transparent mortgage transactions. These initiatives reflect a proactive approach to leveraging technology to maintain competitiveness and improve efficiency in the evolving mortgage landscape.
What regulatory challenges does Federal Home Loan Mortgage Corporation PFD face?
Federal Home Loan Mortgage Corporation PFD faces significant regulatory challenges due to its status as a government-sponsored enterprise (GSE). Changes in government oversight and regulations can directly impact its capital requirements, risk management practices, and business operations. Compliance with evolving mortgage lending regulations and consumer protection laws is essential for maintaining its operational integrity. The company must also navigate political pressures and potential reforms to the housing finance system. Monitoring and adapting to the regulatory environment are critical for ensuring its long-term stability and success.
What are the key factors to evaluate for FMCKK?
Evaluate FMCKK on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does FMCKK data refresh on this page?
FMCKK 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 FMCKK's recent stock price performance?
Federal Home Loan Mortgage Corporation PFD (FMCKK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Government-sponsored enterprise (GSE) status. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FMCKK overvalued or undervalued right now?
Valuing Federal Home Loan Mortgage Corporation PFD (FMCKK) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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, some sections may be incomplete.