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FMCKK Stock Analysis 2026 - FEDERAL HOME LOAN MORTGAGE CORP AI Rating

FMCKK OTC Federal & Federally-Sponsored Credit Agencies CIK: 0001026214
Recently Updated • Analysis: Mar 25, 2026 • SEC Data: 2025-12-31
HOLD
45% Conf
Pending
Analysis scheduled

📊 FMCKK Key Takeaways

Revenue: $129.8B
Net Margin: 8.3%
Free Cash Flow: $19.4B
Current Ratio: N/A
Debt/Equity: 2.41x
EPS: $-0.02
AI Rating: HOLD with 45% confidence

Is FMCKK a Good Investment? Thesis Analysis

Claude

Freddie Mac demonstrates paradoxical fundamentals with exceptionally high revenue growth (+506.6% YoY) and strong net income recovery (+13857.7% YoY), yet exhibits concerning leverage (2.41x debt/equity) and dangerously low interest coverage (0.1x) that suggests vulnerability to rate shocks. As a government-sponsored enterprise with $3.5T in assets, the company benefits from implicit federal backing but faces systematic interest rate risk and housing market cyclicality.

Why Buy FMCKK? Key Strengths

Claude
  • + Exceptional operating cash flow of $19.4B with 14.9% FCF margin demonstrates strong underlying cash generation
  • + Substantial ROE of 15.2% indicates effective capital deployment despite massive balance sheet
  • + Recovery in net income from near-zero baseline suggests stabilization after previous stress periods

FMCKK Investment Risks to Consider

Claude
  • ! Critically low interest coverage ratio (0.1x) indicates debt service heavily dependent on operating performance and implies minimal margin for adverse events
  • ! Extreme leverage at 2.41x debt/equity with $169.3B long-term debt creates significant refinancing and rate sensitivity risk
  • ! Massive revenue growth (+506.6% YoY) appears anomalous and potentially reflects accounting adjustments or portfolio swaps rather than organic business expansion, raising data quality concerns

Key Metrics to Watch

Claude
  • * Interest coverage ratio trend - any further deterioration signals distress potential
  • * Debt-to-equity ratio and refinancing maturity schedule - vulnerability to rising rates
  • * Operating cash flow sustainability - ability to service debt amid rate environment changes

FMCKK Financial Metrics

Revenue
$129.8B
Net Income
$10.7B
EPS (Diluted)
$-0.02
Free Cash Flow
$19.4B
Total Assets
$3.5T
Cash Position
$5.3B

💡 AI Analyst Insight

The current ratio below 1.0x warrants monitoring of short-term liquidity.

FMCKK Profitability Ratios

Gross Margin N/A
Operating Margin 10.3%
Net Margin 8.3%
ROE 15.2%
ROA 0.3%
FCF Margin 14.9%

FMCKK vs Default Sector

How FEDERAL HOME LOAN MORTGAGE CORP compares to Default sector averages

Net Margin
FMCKK 8.3%
vs
Sector Avg 12.0%
FMCKK Sector
ROE
FMCKK 15.2%
vs
Sector Avg 15.0%
FMCKK Sector
Current Ratio
FMCKK 0.0x
vs
Sector Avg 1.8x
FMCKK Sector
Debt/Equity
FMCKK 2.4x
vs
Sector Avg 0.7x
FMCKK Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is FMCKK Overvalued or Undervalued?

Based on fundamental analysis, FEDERAL HOME LOAN MORTGAGE CORP has mixed fundamental signals relative to the Default sector in 2026.

Return on Equity
15.2%
Sector avg: 15%
Net Profit Margin
8.3%
Sector avg: 12%
Revenue Growth
N/A
Year-over-year
Debt/Equity
2.41x
Sector avg: 0.7x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

FMCKK Balance Sheet & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
2.41x
Debt/Assets
98.0%
Interest Coverage
0.12x
Long-term Debt
$169.3B

FMCKK 5-Year Financial Trend & Growth Analysis

FMCKK 5-year financial data:
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: FEDERAL HOME LOAN MORTGAGE CORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-0.05 indicates the company is currently unprofitable.

FMCKK Growth Metrics (YoY)

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
14.9%
Free cash flow / Revenue

FMCKK Capital Allocation

Operating Cash Flow
$19.4B
Cash generated from operations
Dividends
None
No dividend program

FMCKK SEC 10-K & 10-Q Filing Analysis

Access official SEC EDGAR filings for FEDERAL HOME LOAN MORTGAGE CORP (CIK: 0001026214)

📋 Recent SEC Filings

Date Form Document Action
Feb 12, 2026 8-K fmcc-20260212.htm View →
Feb 12, 2026 10-K fmcc-20251231.htm View →
Feb 6, 2026 8-K fmcc-20260205.htm View →
Feb 6, 2026 8-K fmcc-20260203.htm View →
Dec 16, 2025 8-K fmcc-20251216.htm View →

Frequently Asked Questions about FMCKK

What is the AI rating for FMCKK?

FEDERAL HOME LOAN MORTGAGE CORP (FMCKK) has an AI rating of HOLD with 45% confidence, based on fundamental analysis of SEC EDGAR filings.

What are FMCKK's key strengths?

Claude: Exceptional operating cash flow of $19.4B with 14.9% FCF margin demonstrates strong underlying cash generation. Substantial ROE of 15.2% indicates effective capital deployment despite massive balance sheet.

What are the risks of investing in FMCKK?

Claude: Critically low interest coverage ratio (0.1x) indicates debt service heavily dependent on operating performance and implies minimal margin for adverse events. Extreme leverage at 2.41x debt/equity with $169.3B long-term debt creates significant refinancing and rate sensitivity risk.

What is FMCKK's revenue and growth?

FEDERAL HOME LOAN MORTGAGE CORP reported revenue of $129.8B.

Does FMCKK pay dividends?

FEDERAL HOME LOAN MORTGAGE CORP does not currently pay dividends.

Where can I find FMCKK SEC filings?

Official SEC filings for FEDERAL HOME LOAN MORTGAGE CORP (CIK: 0001026214) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is FMCKK's EPS?

FEDERAL HOME LOAN MORTGAGE CORP has a diluted EPS of $-0.02.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is FMCKK a good stock to buy right now?

Based on our AI fundamental analysis in March 2026, FEDERAL HOME LOAN MORTGAGE CORP has a HOLD rating with 45% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is FMCKK stock overvalued or undervalued?

Valuation metrics for FMCKK: ROE of 15.2% (sector avg: 15%), net margin of 8.3% (sector avg: 12%). Higher ROE suggests strong returns relative to peers.

Should I buy FMCKK stock in 2026?

Our dual AI analysis gives FEDERAL HOME LOAN MORTGAGE CORP a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.

What is FMCKK's free cash flow?

FEDERAL HOME LOAN MORTGAGE CORP's operating cash flow is $19.4B, with capital expenditures of N/A. FCF margin is 14.9%.

How does FMCKK compare to other Default stocks?

Vs Default sector averages: Net margin 8.3% (avg: 12%), ROE 15.2% (avg: 15%), current ratio N/A (avg: 1.8).

Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Mar 25, 2026 | Data as of: 2025-12-31 | Powered by Claude AI