FMCC (Federal Home Loan Mortgage) Moat Score: 7/10 (As of Jun. 29, 2026)


FMCC Federal Home Loan Mortgage Corp FMCC
48 GF Score
Price $6.09
GF Value $2.52
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Federal Home Loan Mortgage Moat Score?

Federal Home Loan Mortgage FMCC -1.30% 48 Moat Score is 7 as of Jun. 29, 2026. GuruFocus rates FMCC with a GF Score™ of 48/100 and a GF Value™ of $2.52 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,614 Banks companies, Federal Home Loan Mortgage ranks better than 99.44% on this metric.

Federal Home Loan Mortgage has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Federal Home Loan Mortgage has Wide Moat: FMCC benefits from significant regulatory barriers and a quasi-governmental status, providing a durable competitive advantage. It has a strong market position in the secondary mortgage market, supported by economies of scale and a robust distribution network. These factors contribute to its wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Federal Home Loan Mortgage might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Federal Home Loan Mortgage  (OTCPK:FMCC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Federal Home Loan Mortgage Moat Score Related Terms

FMCC vs PFSI, WD, UWMC: Moat Score Comparison

For the Mortgage Finance subindustry, Federal Home Loan Mortgage's Moat Score, along with its competitors' market caps and Moat 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.

Federal Home Loan Mortgage Moat Score vs Banks Industry

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

* The bar in red indicates where Federal Home Loan Mortgage's Moat Score falls into.


FMCC
48GF Score
Federal Home Loan Mortgage Corp FMCC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
Federal Home Loan Mortgage (FMCC) has a Moat Score of 7 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Federal Home Loan Mortgage ranks #9 out of 1614 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is Federal Home Loan Mortgage's Moat Score too high?
Federal Home Loan Mortgage's current Moat Score is 7. Based on the distribution chart, Federal Home Loan Mortgage ranks #9 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Federal Home Loan Mortgage has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Federal Home Loan Mortgage's Moat Score compare to PFSI and WD?
According to the Banks industry distribution chart, Federal Home Loan Mortgage ranks #9 out of 1614 companies for Moat Score. This places Federal Home Loan Mortgage in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Federal Home Loan Mortgage's current Moat Score is 7. 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 Significantly Overvalued. The stock's GF Value™ is $2.52, compared to a current price of $6.09 — trading 141.7% above its estimated fair value. The current Moat Score is 7. Federal Home Loan Mortgage's overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Federal Home Loan Mortgage (FMCC), the current Moat Score is 7 as of Jun. 29, 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 $6.09 is trading 141.7% above its estimated GF Value™ of $2.52. GuruFocus considers Federal Home Loan Mortgage to be Significantly Overvalued.

Key valuation signals for FMCC:

  • Moat Score: 7
  • GF Value™: $2.52 vs. price of $6.09 (141.7% above fair value)
  • GF Score™: 48/100 with 2 warning signs

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 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.
48GF Score

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

$6.09
Price
$2.52
GF Value