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Federal Home Loan MortgageFMCC -0.94%62 Debt-to-Equity is 43.96 as of Jun. 2026, which is 60% below its 10-year median of 110.42. GuruFocus rates FMCC with a GF Score™ of 62/100 and a GF Value™ of $4.86 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,421 Banks companies, Federal Home Loan Mortgage ranks worse than 99.79% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Federal Home Loan Mortgage's Debt-to-Equity or its related term are showing as below:
FMCC'
s Debt-to-Equity Range Over the Past 10 Years
Min: -6490.47 Med: 110.42 Max: 932.47
Current: 43.96
During the past 13 years, the highest Debt-to-Equity Ratio of Federal Home Loan Mortgage was 932.47. The lowest was -6490.47. And the median was 110.42.
FMCC's Debt-to-Equity is ranked worse than 99.79% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs FMCC: 43.96
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Federal Home Loan Mortgage Debt-to-Equity Related Terms
Federal Home Loan Mortgage Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Mortgage Finance subindustry, Federal Home Loan Mortgage's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Federal Home Loan Mortgage Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Federal Home Loan Mortgage's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Federal Home Loan Mortgage's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Federal Home Loan Mortgage (FMCC) has a Debt-to-Equity of 43.96 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Federal Home Loan Mortgage and its competitors. This is 60% below median its historical median of 110.42. According to the industry distribution chart, Federal Home Loan Mortgage ranks #1418 out of 1421 companies in the Banks industry, placing it in the top 99.8%.
Is Federal Home Loan Mortgage's Debt-to-Equity too high?
Federal Home Loan Mortgage's current Debt-to-Equity of 43.96 is 60% below median its 10-year median of 110.42. The Banks industry median Debt-to-Equity is 0.58. Federal Home Loan Mortgage's value of 43.96 is 7479.3% above this industry median. Based on the distribution chart, Federal Home Loan Mortgage ranks #1418 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Federal Home Loan Mortgage has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Federal Home Loan Mortgage's Debt-to-Equity compare to PFSI and WD?
According to the Banks industry distribution chart, Federal Home Loan Mortgage ranks #1418 out of 1421 companies for Debt-to-Equity. This places Federal Home Loan Mortgage in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Federal Home Loan Mortgage's value of 43.96 is 7479.3% above this benchmark. While the company's 10-year median is 110.42 vs. the industry median of 0.58, Federal Home Loan Mortgage has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Federal Home Loan Mortgage's current Debt-to-Equity of 43.96 is 7479.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Federal Home Loan Mortgage and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Federal Home Loan Mortgage's current Debt-to-Equity is 43.96, which is 60% below median its own 10-year median of 110.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Federal Home Loan Mortgage stock overvalued right now?
Based on GuruFocus' analysis, Federal Home Loan Mortgage (FMCC) is currently considered Modestly Overvalued. The stock's GF Value™ is $4.86, compared to a current price of $5.51 — trading 13.3% above its estimated fair value. The current Debt-to-Equity is 43.96, which is 60% below median its 10-year median of 110.42 and 7479.3% above the Banks industry median of 0.58. Federal Home Loan Mortgage's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Federal Home Loan Mortgage (FMCC), the current Debt-to-Equity is 43.96 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Federal Home Loan Mortgage (FMCC) Overvalued in 2026?
Based on GuruFocus' analysis, Federal Home Loan Mortgage stock appears to be overvalued.
The current stock price of $5.51 is trading 13.3% above its estimated GF Value™ of $4.86.
GuruFocus considers Federal Home Loan Mortgage to be Modestly Overvalued.
Key valuation signals for FMCC:
Debt-to-Equity: 43.96 (60% below median its 10-year median of 110.42)
GF Value™: $4.86 vs. price of $5.51 (13.3% above fair value)
Industry Position: 7479.3% above the Banks median (#1418 of 1421)
No single metric tells the full story. See the FMCC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Federal Home Loan Mortgage Corp is a U.S. based government-sponsored enterprise. The company invests in mortgage loans and mortgage-related securities. Its two reportable segments are: i) Single-Family: It provides liquidity and support to the single-family mortgage market through a variety of activities that include the purchase, securitization, and guarantee of single-family loans originated by lenders, and ii) Multifamily: It provides liquidity and support to the multifamily mortgage market through a variety of activities that include the purchase, securitization, and guarantee of multifamily loans. The majority of the company's revenue is derived from the Single-Family segment.
62GF Score
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