Federal Home Loan Mortgage Corp Pref Perpetual (FMCCT) Fair Value & Analysis
Financial Services · US · Market cap $58.9B · ISIN US3134006994
What is Federal Home Loan Mortgage Corp Pref Perpetual really worth?
Federal Home Loan Mortgage Corp Pref Perpetual
FMCCT · US
A solid business, trading 52% below our fair value of $30.00.
Strengths
Risks
Fair value as of: Aug 17, 2026
From 6 valuation models · updated 18 days ago
Fair value updated Aug 17, 2026, revised from $29.24 to $30.00 (+2.6%) since Aug 13, 2026. Share price −5.1% over the past month.
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What matters now
- The price is below even our cautious bear case ($22.50). The market is more pessimistic than our downside scenario.
- Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 17, 2026.
How to read this chart
60‑month range $2.28 – $29.20 · fair‑value band $22.50 – $37.49 · the $14.47 price screens below the $30.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 17, 2026.
Analysis
Federal Home Loan Mortgage Corp Pref Perpetual (FMCCT) currently trades at $14.47, while our model-based Fair Value estimate is $30.00, implying the stock looks roughly 51.8% undervalued today. The Quality Score stands at 53/100 (solid quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of $116.59 per share, and 6 of the 6 models we run sit above the $14.47 price. Bear case: the Asset-Based group reads lowest at $14.64, and 0 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Federal Home Loan Mortgage Corp Pref Perpetual generated revenue of $22.9B at a net margin of 50.3%. Revenue grew 15.8% year over year. It earns a return on equity of 16.9%. Net debt stands at $3.4T. Fundamentals as of Aug 17, 2026
Our scenario range runs from $22.50 (bear case) to $37.49 (bull case); at $14.47, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 51% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −19% fair-value upside, at 107%, FMCCT screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $0.0462 per share, which is 0.2 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Earnings-Based ($116.59) versus Asset-Based ($14.64). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 13
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Federal Home Loan Mortgage Corp Pref Perpetual reported revenue of $23.3B in FY2025 versus $4.4B in FY2021, a compound +51.9%/yr. Reported net income was $10.7B in FY2025, compounding −3.0%/yr from FY2021.
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Is Federal Home Loan Mortgage (FMCC) A Bargain As Mortgage Rates Ease?
- Federal Home Loan Mortgage Corp (FMCC) (Q2 2026) Earnings Call Highlights: Net Income Surges ...
Peer Group
Mortgage Finance · 92 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 17, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Rocket Companies, Inc RKT | $13.03 | $8.26 | −37% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | −80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.06 | ₹39.96 | −52% |
| PennyMac Financial Services, Inc PFSI | $70.78 | $125.45 | +77% |
| UWM Holdings UWMC | $1.46 | $0.1600 | −89% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,169 | ₹1,143 | −2% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| Aadhar Housing Finance Limited AADHARHFC | ₹471.10 | ₹325.75 | −31% |
| Walker & Dunlop, Inc WD | $39.71 | $32.25 | −19% |
| Aptus Value Housing Finance India Limited APTUS | ₹258.50 | ₹244.80 | −5% |
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