Federal Home Loan Mortgage Corporation (FMCC) Stock Price & Analysis
Federal Home Loan Mortgage Corporation (FMCC) closed at USD 3.93 on Thursday, October 22, 2026, up 14.91% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 3.42; the Oct 22, 2026 session ranged USD 3.31–4.34 on volume of 3,364,726 shares. Market capitalization is $2.55B, with a 52-week range of USD 2.7–11.8 (OQB). Source: Nexqual, retrieved October 23, 2026 at 10:30 UTC.
Also available as compact Markdown for AI agents: nexqual.com/FMCC.md
Key facts (FMCC)
- Last four reported quarters (through Jun 30, 2026): revenue $23.4B, net income $11.8B (50.3% margin) (SEC filings).
- Valuation: P/E 0.2x (avg 1.4x at the last 3 fiscal year-ends).
- Analysts: Hold (mean 3.00 on a 1–5 scale) (5 analysts), mean target USD 9.38 (range 3.5–24).
- Total return with dividends: 1Y -65.2% vs S&P 500 +14.9%; 5Y +373.5% vs S&P 500 +80.3%.
- Next earnings: 2026-10-29, EPS estimate USD 0, revenue estimate $5.83B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (FMCC)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $22.0B | $21.3B | $21.2B | $23.9B | $23.3B | $23.4B |
| Net income | $12.1B | $9.33B | $10.5B | $11.9B | $10.7B | $11.8B |
| EPS (diluted) | $0.15 | $0.11 | -$0.05 | $0.00 | -$0.02 | — |
| Net margin | 55.2% | 43.9% | 49.6% | 49.6% | 46.1% | 50.3% |
| Revenue growth | +31.8% | -3.1% | -0.2% | +12.6% | -2.7% | — |
| Cash + short-term investments | $10.2B | $6.36B | $6.02B | $5.53B | $5.33B | — |
| Total debt | $2.98T | $3.14T | $3.20T | $182B | $207B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (FMCC)
P/E 0.2x · P/S 0.1x · P/B 0.0x · Earnings yield 460.91%
P/E at fiscal year-ends: Dec 2025 3.1x, Dec 2024 0.9x, Dec 2023 0.3x.
Analysts (FMCC)
Consensus Hold (mean 3.00 on a 1–5 scale), 5 analysts; mean target USD 9.38 (low 3.5, high 24).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-28 | Keefe, Bruyette & Woods | Target lowered | Underperform | $6.5 → $3.5 |
Total return (dividends reinvested) (FMCC)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -65.2% | +373.5% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -65.3% | +36.4% |
| Volatility (annualized) | 84.9% | 75.6% |
| Max drawdown | -74.3% (Oct 2025→Oct 2026) | -74.6% (Sep 2025→Oct 2026) |
FMCC suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Supplier | FinTech | “We rely on U.S. FinTech and the mortgage securitization platform for the operation of many of our single-family securitization activities.” |
Quoted from the company's 10-K filed Feb 12, 2026.
Companies that name FMCC in their SEC reports
| Relationship to FMCC | Company | Filing | Sentence |
|---|---|---|---|
| related | Central Plains Bancshares, Inc. (CPBI) | 10-K Jun 18, 2026 | “Additionally, the Association had loans totaling $861,000 and $940,000 as of March 31, 2026 and March 31, 2025, respectively, to related parties that were originated by the Association, sold to Federal Home Loan Mortgage Company and are serviced by the Association.” |
| supplier | OHIO VALLEY BANC CORP (OVBC) | 10-K Mar 13, 2026 | “The Bank continues to sell a portion of its new fixed-rate real estate loan originations to the Federal Home Loan Mortgage Corporation to enhance customer service and loan pricing.” |
| supplier | FS Bancorp, Inc. (FSBW) | 10-K Mar 13, 2026 | “Of the loans sold to investors, $209.1 million were sold to the Federal National Mortgage Association ("FNMA"), the Government National Mortgage Association ("GNMA"), the FHLB, and the Federal Home Loan Mortgage Corporation ("FHLMC") with servicing rights retained to further build the relationship with the customer.” |
| customer | Eagle Bancorp Montana, Inc. (EBMT) | 10-K Mar 9, 2026 | “We rely on Federal National Mortgage Association ("FNMA"), Federal Home Loan Mortgage Corporation ("FHLMC") and other purchasers to purchase loans in order to reduce our credit risk and provide funding for additional loans we desire to originate.” |
| customer | CENTRAL PACIFIC FINANCIAL CORP (CPF) | 10-K Feb 27, 2026 | “We rely on Federal National Mortgage Association ("Fannie Mae"), Federal Home Loan Mortgage Corporation ("Freddie Mac"), and other purchasers to purchase first mortgage loans in order to reduce our credit and interest rate risks, and provide funding for additional loans we desire to originate.” |
| partner | Marcus & Millichap, Inc. (MMI) | 10-K Feb 26, 2026 | “MMCC partners with an assortment of capital providers including national and regional banks, credit unions, private equity funds, insurance companies, government agencies, including the Federal National Mortgage Association ("Fannie Mae"), the Federal Home Loan Mortgage Corporation ("Freddie Mac"), the Federal Housing Administration, conduit lenders, debt funds, hard money lenders, and structured debt facilitators…” |
| supplier | OLD SECOND BANCORP INC (OSBC) | 10-K Feb 26, 2026 | “Sales to investors included $56.5 million, or 67.6% of total loans sold, to FNMA, and $16.6 million, or 19.9% of total loans sold, to FHLMC for the year ended December 31, 2025.” |
| partner | Dime Commercial Bancshares, Inc. /NY/ (DCBG) | 10-K Feb 20, 2026 | “Additionally, in connection with a loan securitization completed in 2017, the Bank executed a reimbursement agreement with FHLMC that obligates the Company to reimburse FHLMC for any contractual principal and interest payments on defaulted loans, not to exceed 10% of the original principal amount of the loans comprising the aggregate balance of the loan pool at securitization.” |
| partner | Cushman & Wakefield Ltd. (CWK) | 10-K Feb 19, 2026 | “On November 27, 2023, Greystone Servicing Company LLC ("GSC"), a wholly-owned subsidiary of the Greystone JV, entered into an indemnity agreement with Federal Home Loan Mortgage Corporation ("Freddie Mac"), which agreement is not in the normal course of GSC's business, whereby Freddie Mac agreed to issue one or more loan commitment letters regarding the purchase of 42 first mortgage multifamily property loans brok…” |
FMCC company outlook (results filed Jul 30, 2026)
- “The provision for credit losses was $0.8 billion for the second quarter of 2025, primarily driven by a credit reserve build in Single-Family attributable to lower estimated market values of single-family properties based on the company's internal house price index and lower forecasted house price growth rates.”
- “(5) Assumes monthly payments that reflect amortization of principal.”
- “Media Contact: Frederick Solomon (703) 903-3861 Investor Contact: Mahesh Lal (571) 382-4732 * * * * This press release contains forward-looking statements using terms such as will, expect, forecast, and others that do not refer solely to past periods.”
Quoted word-for-word from the SEC 8-K results press release.
FMCC analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.00 | $0.00 | — | $5.83B | 3 |
| Next quarter (ends Dec 2026) | $0.00 | $0.00 | — | $5.92B | 3 |
| Current fiscal year (ends Dec 2026) | $0.01 | $0.00 | — | $23.33B | 3 |
| Next fiscal year (ends Dec 2027) | $0.00 | $0.00 | — | $24.13B | 3 |
Key Statistics (as of October 23, 2026 at 10:30 UTC)
| Price | USD 3.93 |
|---|---|
| Change | ▲ 14.91% (up) |
| Previous Close | USD 3.42 |
| Open | USD 3.42 |
| Day Range | USD 3.31 – 4.34 |
| 52-Week Range | USD 2.7 – 11.8 |
| Volume | 3,364,726 shares |
| Market Cap | $2.55B |
| Exchange | OQB |
Technical Analysis (FMCC)
Nexqual's technical model rates FMCC "NEUTRAL" based on 2 bullish and 3 bearish signals across 127 daily candles, as of October 23, 2026 at 10:30 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 49.89 (neutral) |
| vs SMA50 | Below (USD 4.58) |
| MACD | -0.32 (negative) |
Analyst Ratings (FMCC)
Wall Street analysts rate FMCC "Hold" based on 5 analysts, with a mean price target of USD 9.38 (range USD 3.5–24), per Nexqual as of October 23, 2026 at 10:30 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 9.38 |
| High Target | USD 24 |
| Low Target | USD 3.5 |
| Buy / Hold / Sell | 2 / 2 / 1 |
Earnings (FMCC)
| Next Earnings Date | 2026-10-29 |
|---|---|
| EPS Estimate | USD 0 |
| Revenue Estimate | $5.83B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0 vs est 0 ▲ beat |
| 2026-03-31 | USD 0.01 vs est 0 ▲ beat |
| 2025-12-31 | USD 0 vs est 0 ▲ beat |
| 2025-09-30 | USD 0 vs est 0.46 ▼ miss |
Source: Nexqual, October 23, 2026 at 10:30 UTC.
Financials & Fundamentals (FMCC)
| Total Revenue | $24.60B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +33.90% |
| Gross Margin | +100.00% |
| Operating Margin | +69.48% |
| Profit Margin | +52.63% |
| ROE | +18.16% |
| Debt / Equity | 43.97 |
| Current Ratio | 116.96 |
| Total Cash | $130.28B |
| Total Debt | $3.42T |
Source: Nexqual, October 23, 2026 at 10:30 UTC.
Financial Health Score (FMCC)
Nexqual rates Federal Home Loan Mortgage Corporation's overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 10:30 UTC.
| Growth | Solid — Revenue +8% YoY (annual) |
|---|---|
| Profitability | Critical — Net margin -0% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Federal & Federally-Sponsored Credit Agencies) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Federal & Federally-Sponsored Credit Agencies) |
| Efficiency | Solid — ROE 18%, ROA 0.4% |
Ownership (FMCC)
| Insider Ownership | +0.00% |
|---|---|
| Institutional Ownership | +8.67% |
| Shares Outstanding | 650.06M |
| Float | 650.07M |
Source: Nexqual, October 23, 2026 at 10:30 UTC.
Leadership (FMCC)
Federal Home Loan Mortgage Corporation is led by Kenny M. Smith, CEO & Director, per Nexqual as of October 23, 2026 at 10:30 UTC.
| CEO & Director | Kenny M. Smith |
|---|---|
| President & Director | Michael Thomas Hutchins |
| Executive VP & CFO | James M. Whitlinger |
| Senior Vice President of Enterprise Operations & Technology | Neil Sarnak |
Major Backers & Investors (FMCC)
Notable institutional backers of Federal Home Loan Mortgage Corporation include Growth Fund of America, Pershing Square, Delaware Group Equity Funds IV-Nomura Healthcare Fund, according to Nexqual as of October 23, 2026 at 10:30 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Growth Fund of America | 8.19% |
| Pershing Square | 1.38% |
| Delaware Group Equity Funds IV-Nomura Healthcare Fund | 0.16% |
Source: Nexqual, October 23, 2026 at 10:30 UTC.
From Federal Home Loan Mortgage Corporation's Latest SEC 10-K Filing (filed 2026-02-12)
Partnerships
- Higher limits have been established in certain "high-cost" areas (for 2026, up to $1,249,125 for a one-family residence).
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| PFSI | PennyMac Financial Services, In | USD 63.36 | ▲ 6.43% |
| UWMC | UWM Holdings Corporation | USD 1.15 | ▲ 3.6% |
| WD | Walker & Dunlop, Inc | USD 34.68 | ▲ 5.44% |
| VEL | Velocity Financial, Inc. | USD 15.21 | ▲ 2.42% |
| BETR | Better Home & Finance Holding C | USD 16.58 | ▲ 6.42% |
| RKT | Rocket Companies, Inc. | USD 11.74 | ▲ 5.67% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 10:30 UTC. This page is informational and not investment advice.
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