What is Federal Home Loan Mortgage's earnings per share (EPS)?

Federal Home Loan Mortgage (FMCCK) reported diluted earnings per share of $-0.02 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Federal Home Loan Mortgage Financials

FMCCK

Source SEC Filings (10-K/10-Q) Data as of Dec 31, 2025 Currency USD FYE December

This page shows Federal Home Loan Mortgage (FMCCK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FMCCK FY2025 2026-04-22

Leverage-driven finance is the core mechanic: tiny returns on huge assets still produce large profits while equity slowly rebuilds.

ROA stayed roughly flat while ROE fell from 43.2% to 15.3%; that points to a thicker equity base reducing leverage amplification rather than a collapse in asset-level earning power. Operating cash flow jumped from $6.6B to $19.4B even as net income eased, so annual cash generation is being shaped by balance-sheet movements and funding flows, not by earnings alone.

With $3.5T of assets supported by only $70.4B of equity, the company still runs on a very thin capital layer despite several profitable years. That structure makes small changes in asset returns matter a lot, which is why modest asset profitability can still translate into strong shareholder returns.

Retained earnings improved from -$55.0B to -$12.5B, so recent profits are still rebuilding past capital depletion rather than simply piling onto an already strong base. Cash on hand of $5.3B is small relative to the balance sheet, which means day-to-day resilience depends more on continued funding access than on a large idle cash reserve.

Financial Health Signals

Financial health score pending refresh

We are recalculating Federal Home Loan Mortgage's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Partial

5/7

Federal Home Loan Mortgage passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.81x

For every $1 of reported earnings, Federal Home Loan Mortgage generates $1.81 in operating cash flow ($19.4B OCF vs $10.7B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$23.3B

YoY-2.7%

5Y CAGR+6.9%

10Y CAGR-10.0%

Federal Home Loan Mortgage generated $23.3B in revenue in fiscal year 2025. This represents a decrease of 2.7% from the prior year.

EBITDA

N/A

Net Income

$10.7B

YoY-9.5%

5Y CAGR+7.9%

10Y CAGR+5.3%

Federal Home Loan Mortgage reported $10.7B in net income in fiscal year 2025. This represents a decrease of 9.5% from the prior year.

EPS (Diluted)

$-0.02

Federal Home Loan Mortgage earned $-0.02 per diluted share (EPS) in fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$4.6B

YoY-16.4%

5Y CAGR-28.0%

10Y CAGR-1.9%

Federal Home Loan Mortgage held $4.6B in cash against $169.3B in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

650M

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+0.0%

Federal Home Loan Mortgage had 650M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

46.1%

YoY-3.5pp

5Y CAGR+2.1pp

10Y CAGR+36.6pp

Federal Home Loan Mortgage's net profit margin was 46.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 3.5 percentage points from the prior year.

Return on Equity

15.9%

YoY-4.0pp

5Y CAGR-28.8pp

10Y CAGR-201.0pp

Federal Home Loan Mortgage's ROE was 15.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

FMCCK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$23.3B-2.7%	$23.9B+12.6%	$21.2B-0.2%	$21.3B-3.1%	$22.0B+31.8%	$16.7B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$2.9B+1.5%	$2.8B+1.7%	$2.8B+85.2%	$1.5B-43.1%	$2.7B+4.6%	$2.5B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$108.4B+10.5%	$98.1B+13.0%	$86.8B+32.6%	$65.5B+48.9%	$43.9B-11.3%	$49.6B
Income Tax	$2.6B-9.9%	$2.9B+9.7%	$2.7B+16.9%	$2.3B-26.3%	$3.1B+62.4%	$1.9B
Net Income	$10.7B-9.5%	$11.9B+12.5%	$10.5B+13.0%	$9.3B-23.0%	$12.1B+65.3%	$7.3B
EPS (Diluted)	$-0.02	$0.00+100.0%	$-0.05-145.5%	$0.11-26.7%	$0.15+1400.0%	$0.01

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$5.8B+0.4%	$5.7B-3.0%	$5.9B+1.1%	$5.9B-7.5%	$6.3B+8.4%	$5.8B-2.5%	$6.0B+4.0%	$5.8B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$746.0M+4.2%	$716.0M-4.3%	$748.0M+10.7%	$676.0M-9.7%	$749.0M+5.0%	$713.0M+3.5%	$689.0M-0.4%	$692.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$27.9B+1.3%	$27.5B+2.9%	$26.7B+1.9%	$26.3B+2.7%	$25.6B+3.1%	$24.8B+2.8%	$24.1B+2.2%	$23.6B
Income Tax	$677.0M+0.3%	$675.0M+14.8%	$588.0M-14.8%	$690.0M-13.3%	$796.0M+7.4%	$741.0M+6.6%	$695.0M+1.0%	$688.0M
Net Income	$2.8B+0.1%	$2.8B+16.2%	$2.4B-14.6%	$2.8B-13.3%	$3.2B+3.8%	$3.1B+12.3%	$2.8B0.0%	$2.8B
EPS (Diluted)	N/A	$0.00+100.0%	$-0.010.0%	$-0.01	N/A	$-0.02	$0.00-100.0%	$0.01

FMCCK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.5T+2.4%	$3.4T+3.2%	$3.3T+2.3%	$3.2T+6.0%	$3.0T+15.2%	$2.6T
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$4.6B-16.4%	$5.5B-8.1%	$6.0B-5.4%	$6.4B-37.3%	$10.2B-57.5%	$23.9B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$3.4T+2.2%	$3.3T+2.9%	$3.2T+2.0%	$3.2T+5.8%	$3.0T+14.8%	$2.6T
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$169.3B+1.2%	$167.3B-94.8%	$3.2T+2.0%	$3.1T+5.3%	$3.0T+15.2%	$2.6T
Total Equity	$67.6B+13.5%	$59.6B+24.8%	$47.7B+28.9%	$37.0B+32.1%	$28.0B+70.8%	$16.4B
Retained Earnings	-$15.3B+34.2%	-$23.3B+33.8%	-$35.1B+23.1%	-$45.7B+17.0%	-$55.0B+18.0%	-$67.1B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$3.5T+0.8%	$3.5T+0.9%	$3.4T+0.8%	$3.4T+0.7%	$3.4T+1.3%	$3.3T+1.1%	$3.3T+0.6%	$3.3T
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$5.3B+15.2%	$4.6B+8.4%	$4.3B-10.9%	$4.8B-13.4%	$5.5B+13.9%	$4.9B-12.2%	$5.5B+56.7%	$3.5B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$3.4T+0.8%	$3.4T+0.9%	$3.4T+0.7%	$3.3T+0.6%	$3.3T+1.2%	$3.3T+1.0%	$3.3T+0.5%	$3.2T
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$169.3B	N/A	N/A	N/A	$167.3B-94.9%	$3.3T+1.0%	$3.2T+0.5%	$3.2T
Total Equity	$70.4B+4.1%	$67.6B+4.3%	$64.8B+3.9%	$62.4B+4.7%	$59.6B+5.6%	$56.4B+6.0%	$53.2B+5.5%	$50.5B
Retained Earnings	-$12.5B+18.1%	-$15.3B+15.3%	-$18.1B+11.7%	-$20.5B+12.0%	-$23.3B+12.2%	-$26.5B+10.5%	-$29.6B+8.5%	-$32.4B

FMCCK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$19.4B+192.3%	$6.6B-13.0%	$7.6B-36.1%	$11.9B-27.1%	$16.4B+1703.0%	$907.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$4.7B-50.7%	$9.6B-78.3%	$44.3B+288.3%	$11.4B-53.0%	$24.3B+129.1%	-$83.4B
Financing Cash Flow	-$24.3B-45.3%	-$16.7B+67.9%	-$52.2B-92.6%	-$27.1B+50.1%	-$54.3B-153.7%	$101.1B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$2.6B-49.3%	$5.1B-37.6%	$8.1B+128.0%	$3.6B+496.9%	-$900.0M-124.3%	$3.7B+299.8%	$927.0M-68.0%	$2.9B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$4.7B+634.7%	-$881.0M+84.2%	-$5.6B-185.9%	$6.5B+147.8%	-$13.6B-1651.8%	$875.0M-93.5%	$13.4B+50.1%	$8.9B
Financing Cash Flow	-$6.6B-71.4%	-$3.8B-24.3%	-$3.1B+71.4%	-$10.8B-171.3%	$15.2B+388.3%	-$5.3B+57.4%	-$12.3B+13.8%	-$14.3B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FMCCK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	46.1%-3.5pp	49.6%-0.1pp	49.6%+5.8pp	43.9%-11.3pp	55.2%+11.2pp	44.0%
Return on Equity	15.9%-4.0pp	19.9%-2.2pp	22.1%-3.1pp	25.2%-18.0pp	43.2%-1.4pp	44.6%
Return on Assets	0.3%-0.0pp	0.4%+0.0pp	0.3%+0.0pp	0.3%-0.1pp	0.4%+0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	50.30+47.5	2.81-64.3	67.10-17.7	84.77-21.5	106.31-51.3	157.66
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	48.2%-0.1pp	48.3%+8.0pp	40.4%-7.4pp	47.7%-3.2pp	50.9%-2.3pp	53.2%+7.0pp	46.2%-1.9pp	48.0%
Return on Equity	4.0%-0.2pp	4.1%+0.4pp	3.7%-0.8pp	4.5%-0.9pp	5.4%-0.1pp	5.5%+0.3pp	5.2%-0.3pp	5.5%
Return on Assets	0.1%0.0pp	0.1%+0.0pp	0.1%-0.0pp	0.1%-0.0pp	0.1%+0.0pp	0.1%0.0pp	0.1%0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.41-47.9	50.30-1.7	52.02-1.6	53.63+50.8	2.81-54.9	57.66-2.8	60.48-3.0	63.47
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

What is Federal Home Loan Mortgage's annual revenue?

Federal Home Loan Mortgage (FMCCK) reported $23.3B in total revenue for fiscal year 2025. This represents a -2.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Federal Home Loan Mortgage's revenue growing?

Federal Home Loan Mortgage (FMCCK) revenue declined by 2.7% year-over-year, from $23.9B to $23.3B in fiscal year 2025.

Is Federal Home Loan Mortgage profitable?

Yes, Federal Home Loan Mortgage (FMCCK) reported a net income of $10.7B in fiscal year 2025, with a net profit margin of 46.1%.

How much debt does Federal Home Loan Mortgage have?

As of fiscal year 2025, Federal Home Loan Mortgage (FMCCK) had $4.6B in cash and equivalents against $169.3B in long-term debt.

What is Federal Home Loan Mortgage's net profit margin?

Federal Home Loan Mortgage (FMCCK) had a net profit margin of 46.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Federal Home Loan Mortgage's return on equity (ROE)?

Federal Home Loan Mortgage (FMCCK) has a return on equity of 15.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Federal Home Loan Mortgage's operating cash flow?

Federal Home Loan Mortgage (FMCCK) generated $19.4B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Federal Home Loan Mortgage's total assets?

Federal Home Loan Mortgage (FMCCK) had $3.5T in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Federal Home Loan Mortgage have outstanding?

Federal Home Loan Mortgage (FMCCK) had 650M shares outstanding as of fiscal year 2025.

What is Federal Home Loan Mortgage's debt-to-equity ratio?

Federal Home Loan Mortgage (FMCCK) had a debt-to-equity ratio of 50.30 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Federal Home Loan Mortgage's return on assets (ROA)?

Federal Home Loan Mortgage (FMCCK) had a return on assets of 0.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Federal Home Loan Mortgage's Piotroski F-Score?

Federal Home Loan Mortgage (FMCCK) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Federal Home Loan Mortgage's earnings high quality?

Federal Home Loan Mortgage (FMCCK) has an earnings quality ratio of 1.81x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.