Freddie Mac (FMCC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Freddie Mac

OTC Markets OTCQB•Financial Services•Mortgage Finance

$5.49+0.11(0.02%)Pre-market

Market Cap

$15.30B

P/E

1.2x

P/S

0.6x

P/B

0.2x

Federal Home Loan Mortgage Corporation operates in the secondary mortgage market in the United States. The company operates through two segments: Single-Family and Multifamily. The Single-Family segment purchases, securitizes, and guarantees single-family loans; and manages single-family mortgage credit and market risk, as well as manages mortgage-related investments portfolio, single-family securitization activities, and treasury functions. This segment also serves mortgage banking companies, commercial banks, regional banks, community banks, credit unions, HFAs, savings institutions, and non-depository institutions. The Multifamily segment engages in the purchase, securitization, and guarantee of multifamily loans; issuance of multifamily K certificates; manages multifamily mortgage credit and market risk; and invests in multifamily loans and mortgage-related securities. It also serves banks and other depository institutions, insurance companies, money managers, central banks, pension funds, state and local governments, REITs, non-depository institutions, and brokers and dealers. Federal Home Loan Mortgage Corporation was incorporated in 1970 and is headquartered in McLean, Virginia.

How this company scores

WeakMetricSide Score: 63/100

Grade capped at D — Interest coverage below 1× (0.2x) — earnings cannot cover interest. Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (9/25).

Profitability25/25

Growth12/25

Balance Sheet & Red Flags9/25

Cash & Earnings Quality17/25

Strengths

Strong marginsHigh ROECash-backed earningsProfit converts from growth

Grade capped at D

Interest coverage below 1× (0.2x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 1.2x5y range 0.1x – 3.5x

Currently above its 20-quarter median.

P/S · 0.6x5y range 0.1x – 1.7x

Currently above its 20-quarter median.

P/B · 0.2x5y range 0.0x – 0.6x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Leverage Risk

Watch

D/E ratio of 2.1 is elevated. Watch for further debt accumulation.

Revenue Decline

Watch

Revenue has softened, declining in 3 quarters. Watch for further erosion.

Price & Volume

Market Cap $15.30B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $23.63B
Q. Revenue: $5.99B
TTM EBITDA: $15.11B
TTM Op. Income: $15.11B
Q. Op. Income: $4.79B
TTM Net Income: $12.95B
Q. Net Income: $3.84B
EPS: $0
Shares Out.: $3.23B

$23.63B in TTM revenue declined 1.3% YoY, reaching $5.99B last quarter. TTM EBITDA of $15.11B and TTM operating income of $15.11B show growth is flowing through to the bottom line. TTM net income of $12.95B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 80.0%
Op. Margin: 80.0%
Net Margin: 64.1%

Op. margin of 80.0% is up 40.1% YoY — cost efficiency is improving. Net margin at 64.1% Across the last 8 quarters, operating margin has risen for 4 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 1.2x
P/S Ratio: 0.6x
P/B Ratio: 0.2x

At 1.2x P/E, the stock trades below typical market levels. P/S of 0.6x and P/B of 0.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.52T
Cash: $4.32B
Long-Term Debt: $163.75B
Book Value: $77.77B
D/E Ratio: 2.1
Debt/EBITDA: 34.2

With $3.52T in assets and $163.75B in long-term debt, D/E is 2.1and book value is $77.77B — elevated leverage, meaning significant financial risk in a downturn. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $2.76B
TTM Free Cash Flow: $14.28B
FCF Margin: 60.5%
FCF / Net Income: 1.1

TTM FCF of $14.28B on $2.76B in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 2% — a weakening trend.