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

Federal Home Loan Mortgage (FMCKM) 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

FMCKM

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

This page shows Federal Home Loan Mortgage (FMCKM) 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 FMCKM FY2025 2026-04-22

Balance-sheet scale, not sales volume, drives this business: very thin returns on huge assets fund a heavily liability-backed model.

FY2025 cash conversion flipped sharply: operating cash flow rose to $19.4B while net income eased to $10.7B, after three years when cash consistently trailed profit. That swing matters because with only $5.3B of cash against $3.4T of liabilities, this model relies on continuous cash turnover and funding flows day to day more than on a large idle cash buffer.

The striking feature is scale without wide spreads: on $3.5T of assets, FY2025 profit translated into only 0.3% return on assets. Revenue stayed between $21.2B and $23.9B across the last three valid years, so the engine is balance-sheet turnover more than high-margin sales economics.

The balance sheet is still liability-funded, but the capital cushion has thickened: equity rose from $28.0B in FY2021 to $70.4B in FY2025. The remaining retained earnings deficit narrowed from -$55.0B to -$12.5B, showing recent profits have been rebuilding capital inside the structure rather than changing its dependence on liabilities.

Financial Health Signals

Financial Profile 15/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Federal Home Loan Mortgage's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Federal Home Loan Mortgage's revenue declined 2.7% year-over-year, from $23.9B to $23.3B. This contraction results in a growth score of 41/100.

Leverage

Federal Home Loan Mortgage has elevated debt relative to equity (D/E of 50.30), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Federal Home Loan Mortgage's ROE of 15.9% shows moderate profitability relative to equity, earning a score of 52/100. This is down from 19.9% the prior year.

Piotroski F-Score Neutral

5/9

Federal Home Loan Mortgage passes 5 of 9 financial strength tests. 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

FMCKM 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

FMCKM 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

FMCKM 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

FMCKM 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 (FMCKM) 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 (FMCKM) 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 (FMCKM) 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 (FMCKM) 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 (FMCKM) 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 (FMCKM) 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 (FMCKM) 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 (FMCKM) 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 (FMCKM) had 650M shares outstanding as of fiscal year 2025.

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

Federal Home Loan Mortgage (FMCKM) 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 (FMCKM) 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 (FMCKM) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. 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 (FMCKM) 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.

How financially healthy is Federal Home Loan Mortgage?

Federal Home Loan Mortgage (FMCKM) scores 15 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.