Federal Home Loan Mortgage's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Federal Home Loan Mortgage (FMCC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Federal Home Loan Mortgage vs Its Competitors
- TTM: Trailing 12-month revenue of 23,534M vs 9,031M combined for tracked competitors (72.3% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+1.8% annualized vs trailing 12 months), vs accelerating (+6.3%) for its tracked peer group.
- Growth: Federal Home Loan Mortgage generated -10.6% revenue growth year over year in Q2 2026, vs 12.6% for its tracked competitors combined.
- Profitability: Its 64.1% net margin compares with 55.5% for the peer group.
- Scale: Federal Home Loan Mortgage ranks #12 of 117 companies by market capitalization in the Miscellaneous Financial Services industry, holding 2.0% of industry market cap.
- Peer revenue share: Federal Home Loan Mortgage accounted for 71.4% of combined revenue among its tracked peer group, down from 75.9% a year earlier.
- Peer differentiation: Revenue per employee of $3.20M compares with $0.52M for the peer group (6.2x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
FMCC Sales vs. its Competitors, Q2 2026
Federal Home Loan Mortgage reported revenue contraction of 10.57 % year on year in Q2 2026, below its competitors' combined revenue growth of 12.62 %.
With a net margin of 64.06 %, Federal Home Loan Mortgage achieved higher profitability than its competitors (55.45 %).
Federal Home Loan Mortgage generated 71.40 % of the combined sales of its peer group, down from 75.87 % a year earlier.
Federal Home Loan Mortgage vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Federal Home Loan Mortgage and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Federal Home Loan Mortgage Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (9) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Federal Home Loan Mortgage's competitor groups requires a Commercial License.
For context: the Miscellaneous Financial Services industry grew revenue 293.3% year over year, combined, vs -10.6% for Federal Home Loan Mortgage. Federal Home Loan Mortgage's share of combined industry revenue moved from 7.95% to 1.81%, a loss of 6.15 percentage points.
Federal Home Loan Mortgage's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Federal Home Loan Mortgage Corporation | Yes | No | No | - |
| Competitors combined (15) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
FMCC Stock Performance relative to its Competitors
FMCC Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Universal Insurance Holdings Inc | 282.9% | Outperformed |
| 2 | Bank Of Montreal | 282.9% | Outperformed |
| 3 | Bank Bradesco | 282.9% | Outperformed |
| 4 | Federal National Mortgage Association Fannie Mae | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Federal Home Loan Mortgage's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Federal Home Loan Mortgage's Comment on Competition and Industry Peers
Publicly Traded Peers of Federal Home Loan Mortgage Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Federal Home Loan Mortgage Corporation | 12,936.00 | 23,534.00 |
| Bank Of Montreal | 123,787.15 | 27,785.88 |
| Federal National Mortgage Association Fannie Mae | 25,870.27 | 30,982.00 |
| Bank Bradesco | 17,745.97 | 118.96 |
| Federal Agricultural Mortgage Corporation | 1,595.08 | 410.77 |
| Universal Insurance Holdings Inc | 1,228.52 | 1,629.50 |
| SUBTOTAL | 183,162.99 | 91,451.41 |
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Sources: Federal Home Loan Mortgage Corporation's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Federal Home Loan Mortgage Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Federal Home Loan Mortgage's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| CMBS conduits | Named by the company | 85% |
| Ginnie Mae | Named by the company | 85% |
| FHA/VA | Named by the company | 85% |
| Federal Farm Credit Banks | Named by the company | 85% |
| REITs | Named by the company | 85% |
| FHLBs | Named by the company | 85% |
| FHA | Named by the company | 85% |
| supranationals | Named by the company | 85% |
| Universal Insurance Holdings Inc | Named by the company | 85% |
| Bank Of Montreal | Named by the company | 85% |
| Bank Bradesco | Named by the company | 85% |
| Federal Home Loan Bank Of Atlanta | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Federal Home Loan Mortgage's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Federal Home Loan Mortgage's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation | 12,936 | 3,199,728 | 1,760,163 |
| Bank Of Montreal | 123,787 | 617,464 | 148,519 |
| Federal National Mortgage Association Fannie Mae | 25,870 | 77,261,845 | 35,967,581 |
| Bank Bradesco | 17,746 | 1,449 | 55,371 |
| Federal Agricultural Mortgage Corporation | 1,595 | 1,937,585 | 1,080,193 |
| Universal Insurance Holdings Inc | 1,229 | 1,754,042 | 236,704 |
| PEERS TOTAL | 170,227 | 516,149 | 238,061 |
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Federal Home Loan Mortgage's Position in Industry Market Structure
Market-capitalization share and concentration across all 103 companies in Federal Home Loan Mortgage's industry classification, broader than the peer set above. Market cap in millions of $.Federal Home Loan Mortgage ranks #12 of 103 companies by market capitalization in its industry, holding 2.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,330, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | American Express Company | 207,998 | 32.18 % |
| 2 | Nu Holdings Ltd | 59,992 | 9.28 % |
| 3 | Coinbase Global Inc | 50,520 | 7.82 % |
| 4 | Eason Technology Limited | 36,989 | 5.72 % |
| 5 | Strategy Inc | 1,234 | 5.2% |
| 6 | Federal National Mortgage Association Fannie Mae | 1,234 | 5.2% |
| 7 | Synchrony Financial | 1,234 | 5.2% |
| 8 | Circle Internet Group Inc | 1,234 | 5.2% |
| 9 | Sofi Technologies Inc | 1,234 | 5.2% |
| 10 | Bitmine Immersion Technologies Inc | 1,234 | 5.2% |
| 12 | Federal Home Loan Mortgage Corporation | 12,936 | 2.00 % |
Market cap and industry share for the rest of Federal Home Loan Mortgage's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Federal Home Loan Mortgage's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 7 | Synchrony Financial | 23,895 | -3.45 % |
| 8 | Circle Internet Group Inc | 23,049 | -30.60 % |
| 9 | Sofi Technologies Inc | 21,537 | -42.22 % |
| 10 | Bitmine Immersion Technologies Inc | 14,810 | -44.18 % |
| 11 | Iren Limited | 1,234 | 12.3% |
| 12 | Federal Home Loan Mortgage Corporation | 12,936 | -66.51 % |
| 13 | Hut 8 Corp | 1,234 | 12.3% |
| 14 | Chime Financial Inc | 1,234 | 12.3% |
| 15 | The9 Ltd | 1,234 | 12.3% |
| 16 | Riot Platforms Inc | 1,234 | 12.3% |
| 17 | Terawulf Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Federal Home Loan Mortgage's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Federal Home Loan Mortgage's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Miscellaneous Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (80 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 53.42 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 68.44 % | 2.15 % (avg) | +66.3 pp |
| Capital Intensity (Capex / Revenue) | 0.00 % | 4.86 % (avg) | -4.9 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Federal Home Loan Mortgage's Valuation vs Competitive Position
Valuation multiples vs the Miscellaneous Financial Services industry average (80 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 18.8x | - |
| EV / EBITDA | 62.7x | 15.3x | +47.4x |
| P/B | 0.3x | 3.1x | -2.8x |
| Return on Equity | 17.88 % | industry aggregate | 24.77 % |
| Return on Invested Capital | - | 0.51 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Federal Home Loan Mortgage's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -35.66 % | - | - | - | -3.41 % | -11.89 % | 19.80 % | 0.71 % |
| Operating Margin | 66.46 % | - | - | 68.14 % | 87.33 % | 83.44 % | 87.52 % | 86.91 % |
| Return on Invested Capital | 0.53 % | - | - | 0.59 % | 0.63 % | 0.51 % | 0.63 % | 0.61 % |
| P/E | 1.3x | - | - | - | 4.0x | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Federal Home Loan Mortgage's BCG Growth-Share Matrix
Relative market share (vs Federal Home Loan Mortgage's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Federal Home Loan Mortgage falls in the Dog quadrant: relative market share of 0.06x vs its largest competitor, in an industry growing revenue 3.4% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Federal Home Loan Mortgage's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 1,330 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.00 % vs industry average 4.86 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Federal Home Loan Mortgage's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Federal Home Loan Mortgage's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Federal Home Loan Mortgage's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Federal Home Loan Mortgage falls in the Low attractiveness / Medium strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Federal Home Loan Mortgage's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Return on equity 24.8 points above the industry aggregate.
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.06x).
Opportunities
- A meaningful share of tracked competitors (53.30 %) show financial-distress signals, a possible opening to gain share.
Threats
- Losing revenue share to the broader industry (-6.2 points over the past year).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Federal Home Loan Mortgage's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation | 0.04 | 111.77 | 13.68 |
| Bank Of Montreal | 1,134.18 | 13,402.64 | - |
| Federal National Mortgage Association Fannie Mae | 1.52 | 353.24 | 1.24 |
| Bank Bradesco | - | 6.18 | - |
| Federal Agricultural Mortgage Corporation | - | 0.59 | 6.84 |
| Universal Insurance Holdings Inc | 0.68 | 1.96 | 0.18 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Federal Home Loan Mortgage's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation | Q2 2026 | -10.6 % | +60.8 % |
| Bank Of Montreal | Q3 2025 | +10.6 % | +19.1 % |
| Federal National Mortgage Association Fannie Mae | Q1 2026 | +3.0 % | +1.6 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +36.4 % |
| Federal Agricultural Mortgage Corporation | Q2 2026 | +24.3 % | +22.1 % |
| Universal Insurance Holdings Inc | Q2 2026 | +6.7 % | +68.7 % |
| PEERS TOTAL | +5.2 % | +23.4 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Federal Home Loan Mortgage's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation | Q2 2026 | - | - |
| Bank Of Montreal | Q3 2025 | - | - |
| Federal National Mortgage Association Fannie Mae | Q1 2026 | - | - |
| Bank Bradesco | Q4 2025 | - | +118.7 % |
| Federal Agricultural Mortgage Corporation | Q2 2026 | -9.0 % | - |
| Universal Insurance Holdings Inc | Q2 2026 | +7.7 % | -7.7 % |
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Federal Home Loan Mortgage's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation | 0.37% | 0.37% | 17.88% |
| Bank Of Montreal | 0.59% | 0.45% | 9.90% |
| Federal National Mortgage Association Fannie Mae | 0.33% | 0.33% | 13.45% |
| Bank Bradesco | 1.03% | 1.03% | 13.37% |
| Federal Agricultural Mortgage Corporation | 0.63% | 0.63% | 13.13% |
| Universal Insurance Holdings Inc | 7.33% | 10.47% | 38.78% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Federal Home Loan Mortgage's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Federal Home Loan Mortgage Corporation | - | 0.55 |
| Bank Of Montreal | 23.49 | 4.46 |
| Federal National Mortgage Association Fannie Mae | 155.82 | 0.84 |
| Bank Bradesco | 0.75 | 149.18 |
| Federal Agricultural Mortgage Corporation | 7.31 | 3.88 |
| Universal Insurance Holdings Inc | 5.57 | 0.75 |
| PEERS AVERAGE | 4.14 | 2.00 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.