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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Federal Home Loan Mortgage's retained earnings for the quarter that ended in Mar. 2026 was $-8,981 Mil.
Federal Home Loan Mortgage's quarterly retained earnings
increased
from Sep. 2025 ($-15,316 Mil) to Dec. 2025 ($-12,539 Mil) and
increased
from Dec. 2025 ($-12,539 Mil) to Mar. 2026 ($-8,981 Mil).
Federal Home Loan Mortgage's annual retained earnings
increased
from Dec. 2023 ($-35,128 Mil) to Dec. 2024 ($-23,270 Mil) and
increased
from Dec. 2024 ($-23,270 Mil) to Dec. 2025 ($-12,539 Mil).
Federal Home Loan Mortgage (OTCPK:FMCC) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Federal Home Loan Mortgage Retained Earnings 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.
Federal Home Loan Mortgage Retained Earnings Chart
Federal Home Loan Mortgage Retained Earnings Calculation
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
What does a Retained Earnings of $-8,981 Mil mean?
Federal Home Loan Mortgage (FMCC) has a Retained Earnings of $-8,981 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Federal Home Loan Mortgage and its competitors.
Is Federal Home Loan Mortgage's Retained Earnings too high?
Federal Home Loan Mortgage's current Retained Earnings is $-8,981 Mil. Overall, Federal Home Loan Mortgage has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Federal Home Loan Mortgage's Retained Earnings compare to PFSI and WD?
Federal Home Loan Mortgage's Retained Earnings of $-8,981 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Federal Home Loan Mortgage and its competitors. Federal Home Loan Mortgage's current Retained Earnings is $-8,981 Mil. 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 $2.51, compared to a current price of $5.48 — trading 118.3% above its estimated fair value. The current Retained Earnings is $-8,981 Mil. Federal Home Loan Mortgage's overall GF Score™ is 49/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Federal Home Loan Mortgage (FMCC), the current Retained Earnings is $-8,981 Mil 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 (FMCC) Overvalued in 2026?
Based on GuruFocus' analysis, Federal Home Loan Mortgage stock appears to be overvalued.
The current stock price of $5.48 is trading 118.3% above its estimated GF Value™ of $2.51.
GuruFocus considers Federal Home Loan Mortgage to be Significantly Overvalued.
Key valuation signals for FMCC:
Retained Earnings: $-8,981 Mil
GF Value™: $2.51 vs. price of $5.48 (118.3% above fair value)
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.
49GF Score
Get the complete analysis for FMCC
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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