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Franklin Credit ManagementFCRM Piotroski F-Score is 2 as of Jul. 22, 2026, which is 50% below its 10-year median of 4.00. The stock has 2 warning signs investors should review. Among 1,494 Banks companies, Franklin Credit Management ranks worse than 96.05% on this metric.
Warning Sign:
Piotroski F-Score of 2 is low, which usually implies poor business operation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Franklin Credit Management has an F-score of 2. It is a bad or low score, which usually implies poor business operation.
The historical rank and industry rank for Franklin Credit Management's Piotroski F-Score or its related term are showing as below:
FCRM'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 4 Max: 8
Current: 2
During the past 11 years, the highest Piotroski F-Score of Franklin Credit Management was 8. The lowest was 2. And the median was 4.
Franklin Credit Management (OTCPK:FCRM) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Franklin Credit Management Piotroski F-Score Related Terms
Franklin Credit Management Piotroski F-Score 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.
Franklin Credit Management Piotroski F-Score Chart
FCRM vs LFLS, RKT, FNMA: Piotroski F-Score Comparison
For the Mortgage Finance subindustry, Franklin Credit Management's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Franklin Credit Management Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Franklin Credit Management's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Franklin Credit Management's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Franklin Credit Management's current Net Income (TTM) was -2.84.
==> Negative ==> Score 0.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Franklin Credit Management's current Cash Flow from Operations (TTM) was -3.65.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Franklin Credit Management's return on assets of this year was -0.17121185. Franklin Credit Management's return on assets of last year was -0.0802237.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Franklin Credit Management's gearing of this year was 0.22786029. Franklin Credit Management's gearing of last year was 0.20148315.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Franklin Credit Management's current ratio of this year was 1.65741233. Franklin Credit Management's current ratio of last year was 1.88354689.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Franklin Credit Management's number of shares in issue this year was 10.022. Franklin Credit Management's number of shares in issue last year was 10.022.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Franklin Credit Management's net margin of this year was -0.45135693. Franklin Credit Management's net margin of last year was -0.22679569.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Franklin Credit Management's asset turnover of this year was 0.37932695. Franklin Credit Management's asset turnover of last year was 0.35372674.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Franklin Credit Management has an F-score of 2. It is a bad or low score, which usually implies poor business operation.
Franklin Credit Management (FCRM) has a Piotroski F-Score of 2 as of Jul. 22, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Franklin Credit Management and its competitors. This is 50% below median its historical median of 4.00. Over the past decade, Franklin Credit Management's Piotroski F-Score has ranged from 2.00 to 8.00. According to the industry distribution chart, Franklin Credit Management ranks #1435 out of 1494 companies in the Banks industry, placing it in the top 96.1%.
Is Franklin Credit Management's Piotroski F-Score too high?
Franklin Credit Management's current Piotroski F-Score of 2 is 50% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. The Banks industry median Piotroski F-Score is 6.00. Franklin Credit Management's value of 2 is 66.7% below this industry median. Based on the distribution chart, Franklin Credit Management ranks #1435 out of 1494 companies in the Banks industry, which is in the bottom quartile relative to peers.
How does Franklin Credit Management's Piotroski F-Score compare to LFLS and RKT?
According to the Banks industry distribution chart, Franklin Credit Management ranks #1435 out of 1494 companies for Piotroski F-Score. This places Franklin Credit Management in the lower half of its industry. The industry median Piotroski F-Score is 6.00. Franklin Credit Management's value of 2 is 66.7% below this benchmark. Historically, Franklin Credit Management's own Piotroski F-Score has ranged from 2.00 to 8.00 over the past decade. While the company's 10-year median is 4.00 vs. the industry median of 6.00, Franklin Credit Management has consistently been below 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Franklin Credit Management's current Piotroski F-Score of 2 is 66.7% below 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Franklin Credit Management and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Franklin Credit Management's current Piotroski F-Score is 2, which is 50% below median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Franklin Credit Management stock overvalued right now?
Based on GuruFocus' analysis, Franklin Credit Management (FCRM) is currently considered Possible Value Trap. The stock's GF Value™ is $0.08, compared to a current price of $0.03 — trading 58.8% below its estimated fair value. The current Piotroski F-Score is 2, which is 50% below median its 10-year median of 4.00 and 66.7% below the Banks industry median of 6.00. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Franklin Credit Management (FCRM), the current Piotroski F-Score is 2 as of Jul. 22, 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.
Franklin Credit Management Corp is a specialty consumer finance company mainly in the servicing and resolution of performing, reperforming, nonperforming residential mortgage loans, including specialized loan recovery and collection servicing, and in the analysis, pricing and acquisition of residential mortgage portfolios for third parties. Its servicing operations including specialized loan recovery and collecting services, consist of a call letter staffed by professionals skilled in customer service, Collection, loan mitigation, foreclosure, bankruptcy, real estate property management, deficiency recovery and judgement processing.
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