Federal Home Loan Mortgage (STU:FHL) E10: €0.01 (As of Mar. 2026)


STU:FHL Federal Home Loan Mortgage Corp STU:FHL
59 GF Score
Price €5.16
GF Value €2.13
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Federal Home Loan Mortgage E10?

Federal Home Loan Mortgage STU:FHL +7.95% 59 E10 is €0.01 as of Mar. 2026. GuruFocus rates STU:FHL with a GF Score™ of 59/100 and a GF Value™ of €2.13 (Significantly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Federal Home Loan Mortgage's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.009. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.01 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Federal Home Loan Mortgage was 50.30% per year. The lowest was -106.30% per year. And the median was 9.80% per year.

As of today (2026-07-12), Federal Home Loan Mortgage's current stock price is €5.16. Federal Home Loan Mortgage's E10 for the quarter that ended in Mar. 2026 was €0.01. Federal Home Loan Mortgage's Shiller PE Ratio of today is 516.00.

During the past 13 years, the highest Shiller PE Ratio of Federal Home Loan Mortgage was 837.00. The lowest was 406.50. And the median was 581.40.


Federal Home Loan Mortgage  (STU:FHL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Federal Home Loan Mortgage's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=5.16/0.01
=516.00

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Federal Home Loan Mortgage was 837.00. The lowest was 406.50. And the median was 581.40.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Federal Home Loan Mortgage E10 Related Terms


Federal Home Loan Mortgage E10 Historical Data

* Premium members only.

The historical data trend for Federal Home Loan Mortgage's E10 can be seen below:

* 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 E10 Chart

Federal Home Loan Mortgage Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.26 -0.20 -0.08 0.00 0.00

Federal Home Loan Mortgage Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.01 0.00 0.02 0.00 0.01

STU:FHL vs PFSI, WD, UWMC: E10 Comparison

For the Mortgage Finance subindustry, Federal Home Loan Mortgage's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Federal Home Loan Mortgage's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Federal Home Loan Mortgage's Shiller PE Ratio falls into.


STU:FHL
59GF Score
Federal Home Loan Mortgage Corp STU:FHL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Federal Home Loan Mortgage E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Federal Home Loan Mortgage's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.009/330.2130*330.2130
=0.009

Current CPI (Mar. 2026) = 330.2130.

Federal Home Loan Mortgage Quarterly Data

per share eps CPI Adj_EPS
201606 0.018 241.018 0.025
201609 0.009 241.428 0.012
201612 0.104 241.432 0.142
201703 -0.009 243.801 -0.012
201706 -0.089 244.955 -0.120
201709 0.008 246.819 0.011
201712 -0.760 246.524 -1.018
201803 0.730 249.554 0.966
201806 0.240 251.989 0.315
201809 0.043 252.439 0.056
201812 -0.105 251.233 -0.138
201903 -0.071 254.202 -0.092
201906 -0.089 256.143 -0.115
201909 -0.036 256.759 -0.046
201912 0.036 256.974 0.046
202003 -0.054 258.115 -0.069
202006 -0.044 257.797 -0.056
202009 0.004 260.280 0.005
202012 0.099 260.474 0.126
202103 0.101 264.877 0.126
202106 0.017 271.696 0.021
202109 0.003 274.310 0.004
202112 0.009 278.802 0.011
202203 0.036 287.504 0.041
202206 0.019 296.311 0.021
202209 0.061 296.808 0.068
202212 -0.009 296.797 -0.010
202303 -0.019 301.836 -0.021
202306 0.018 305.109 0.019
202309 -0.009 307.789 -0.010
202312 -0.207 306.746 -0.223
202403 0.009 312.332 0.010
202406 0.001 314.175 0.001
202409 -0.018 315.301 -0.019
202412 0.010 315.605 0.010
202503 -0.009 319.799 -0.009
202506 -0.009 322.561 -0.009
202509 -0.004 324.800 -0.004
202512 -0.002 324.054 -0.002
202603 0.009 330.213 0.009

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.01 mean?
Federal Home Loan Mortgage (STU:FHL) has a E10 of €0.01 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Federal Home Loan Mortgage and its competitors.
Is Federal Home Loan Mortgage's E10 too high?
Federal Home Loan Mortgage's current E10 is €0.01. Overall, Federal Home Loan Mortgage has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Federal Home Loan Mortgage's E10 compare to PFSI and WD?
Federal Home Loan Mortgage's E10 of €0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Federal Home Loan Mortgage and its competitors. Federal Home Loan Mortgage's current E10 is €0.01. 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 (STU:FHL) is currently considered Significantly Overvalued. The stock's GF Value™ is €2.13, compared to a current price of €5.16 — trading 142.3% above its estimated fair value. The current E10 is €0.01. Federal Home Loan Mortgage's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Federal Home Loan Mortgage (STU:FHL), the current E10 is €0.01 as of Mar. 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 (STU:FHL) Overvalued in 2026?

Based on GuruFocus' analysis, Federal Home Loan Mortgage stock appears to be overvalued. The current stock price of €5.16 is trading 142.3% above its estimated GF Value™ of €2.13. GuruFocus considers Federal Home Loan Mortgage to be Significantly Overvalued.

Key valuation signals for STU:FHL:

  • E10: €0.01
  • GF Value™: €2.13 vs. price of €5.16 (142.3% above fair value)
  • GF Score™: 59/100 with 2 warning signs

No single metric tells the full story. See the STU:FHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Federal Home Loan Mortgage Business Description

Address 8200 Jones Branch Drive, McLean, VA, USA, 22102-3110
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.
59GF Score

Get the complete analysis for STU:FHL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€5.16
Price
€2.13
GF Value