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Freddie Mac (FMCC) is once again in the spotlight in 2025, as its stock surges on privatization speculation, robust earnings, and renewed debate over the future of government-sponsored enterprises (GSEs). This comprehensive guide covers everything US investors need to know about FMCC: from the latest news, price history, and financials, to the risks, government role, and what makes Freddie Mac unique in the American housing market.
Live FMCC Stock Price & Chart (NASDAQ)
📰 2025 Breaking News: Privatization, Trump Statement, and Market Reaction
🚨 May 2025: FMCC stock soared after former President Trump announced plans to take Freddie Mac and Fannie Mae public, ending their long conservatorship. OTC shares jumped over 40% in a single day, reaching levels not seen since 2008.
🏦 Government Role: Freddie Mac has been under federal conservatorship since the 2008 financial crisis. The Trump administration is pushing to return the GSEs to private hands, but with the US government maintaining implicit guarantees.
📢 Regulatory Watch: The Federal Housing Finance Agency (FHFA) and its new director are expected to play a central role in any move to privatize Freddie and Fannie. Announcements of joint press conferences with tech CEOs and mortgage industry leaders have fueled speculation about major structural changes.
📈 Stock Surge: FMCC stock has climbed nearly 500% from its 2023 lows, with trading volume and volatility hitting multi-year highs. Some analysts warn of a technical correction after the bull run, while others see further upside if privatization proceeds.
Reuters: Freddie Mac Stock Jumps on Privatization Plans
🏦 Government Role: Freddie Mac has been under federal conservatorship since the 2008 financial crisis. The Trump administration is pushing to return the GSEs to private hands, but with the US government maintaining implicit guarantees.
📢 Regulatory Watch: The Federal Housing Finance Agency (FHFA) and its new director are expected to play a central role in any move to privatize Freddie and Fannie. Announcements of joint press conferences with tech CEOs and mortgage industry leaders have fueled speculation about major structural changes.
📈 Stock Surge: FMCC stock has climbed nearly 500% from its 2023 lows, with trading volume and volatility hitting multi-year highs. Some analysts warn of a technical correction after the bull run, while others see further upside if privatization proceeds.
📊 FMCC Stock Price History & Technicals
📅 2023–2025 Bull Run: FMCC stock has exploded from $0.13 in 2023 to recent highs above $8.13 in May 2025—a staggering gain of over 475%. This rally has been driven by privatization rumors, earnings growth, and a surge in speculative trading.
📉 Volatility: FMCC is among the most volatile large-cap stocks, with 15–20% weekly swings not uncommon. The stock is 27% below its 52-week high but up nearly 60% in the past week alone.
📈 Recent Trading: In May 2025, FMCC traded between $5.65 and $8.13, with daily volumes exceeding 10 million shares. Technical analysts warn of a potential correction after the parabolic run, but bullish momentum remains strong.
🗓️ Earnings Calendar: Freddie Mac’s next earnings report is scheduled for July 30, 2025. The last quarter’s EPS was −$0.01, with net income of $2.8B. The company’s market cap is $5.04B, with a beta of 0.62, reflecting moderate correlation to the broader market.
FMCC Stock Price & Chart (TradingView)
📉 Volatility: FMCC is among the most volatile large-cap stocks, with 15–20% weekly swings not uncommon. The stock is 27% below its 52-week high but up nearly 60% in the past week alone.
📈 Recent Trading: In May 2025, FMCC traded between $5.65 and $8.13, with daily volumes exceeding 10 million shares. Technical analysts warn of a potential correction after the parabolic run, but bullish momentum remains strong.
🗓️ Earnings Calendar: Freddie Mac’s next earnings report is scheduled for July 30, 2025. The last quarter’s EPS was −$0.01, with net income of $2.8B. The company’s market cap is $5.04B, with a beta of 0.62, reflecting moderate correlation to the broader market.
💡 Freddie Mac’s Business Model, Financials & Earnings
🏠 What Freddie Mac Does: Freddie Mac does not lend directly to homebuyers. Instead, it buys mortgages from lenders, packages them into mortgage-backed securities (MBS), and sells those to investors. This process provides liquidity to the housing market and helps keep mortgage rates lower.
💵 Q1 2025 Earnings: Freddie Mac reported net income of $2.8B on revenue of $5.9B, a 1% increase year-over-year. Net worth stands at $62.4B, up nearly 24% year-over-year. The company provided $78B in new business activity, helping 313,000 families buy, rent, or refinance homes. 52% of single-family loan purchases supported first-time homebuyers.
📊 Operational Efficiency: Freddie Mac’s single-family segment drove performance, with net income of $2.3B, a 16% year-over-year increase. The multifamily segment faced headwinds, with net income declining 35% to $533M, but still financed 89,000 rental units, 66% of which were affordable to low-income families.
🏘️ Affordable Housing Impact: Freddie Mac’s mission-driven focus remains strong, with 92% of rental units financed in 2023 affordable to middle-income renters, and 66% affordable to low-income residents, exceeding federal targets.
Freddie Mac Q1 2025 Financial Results
💵 Q1 2025 Earnings: Freddie Mac reported net income of $2.8B on revenue of $5.9B, a 1% increase year-over-year. Net worth stands at $62.4B, up nearly 24% year-over-year. The company provided $78B in new business activity, helping 313,000 families buy, rent, or refinance homes. 52% of single-family loan purchases supported first-time homebuyers.
📊 Operational Efficiency: Freddie Mac’s single-family segment drove performance, with net income of $2.3B, a 16% year-over-year increase. The multifamily segment faced headwinds, with net income declining 35% to $533M, but still financed 89,000 rental units, 66% of which were affordable to low-income families.
🏘️ Affordable Housing Impact: Freddie Mac’s mission-driven focus remains strong, with 92% of rental units financed in 2023 affordable to middle-income renters, and 66% affordable to low-income residents, exceeding federal targets.
📈 Outlook: Housing Market, Rates, and FMCC’s Future
📉 2025–2026 Housing Forecast: Freddie Mac forecasts home prices to rise just 0.6% in 2025, one of the most conservative estimates among major forecasters. Mortgage rates are expected to fall to 6.2% by the end of 2025. Multifamily origination volume is projected to reach $370–380B in 2025, with rent growth of 2.2% and vacancy rates rising to 6.2%.
📊 Mortgage Market: Freddie Mac expects continued demand for single-family and multifamily loans, with a focus on affordable housing and underserved markets. The company’s Duty to Serve plan for 2025–2027 targets increased support for rural and manufactured housing.
🛡️ Risks & Uncertainties: FMCC’s future is highly sensitive to government policy, interest rates, and the housing cycle. The implicit government guarantee is both a safety net and a source of moral hazard, encouraging risk-taking but protecting against default.
📢 Privatization Debate: The fate of Freddie Mac—whether it will be privatized, reformed, or remain under federal control—remains uncertain. Political and regulatory shifts could dramatically affect FMCC’s value and business model. Analysts warn of dilution risk for common shareholders if privatization proceeds and senior preferred shares are converted.
Freddie Mac 2025–2027 Duty to Serve Plan (FHFA)
📊 Mortgage Market: Freddie Mac expects continued demand for single-family and multifamily loans, with a focus on affordable housing and underserved markets. The company’s Duty to Serve plan for 2025–2027 targets increased support for rural and manufactured housing.
🛡️ Risks & Uncertainties: FMCC’s future is highly sensitive to government policy, interest rates, and the housing cycle. The implicit government guarantee is both a safety net and a source of moral hazard, encouraging risk-taking but protecting against default.
📢 Privatization Debate: The fate of Freddie Mac—whether it will be privatized, reformed, or remain under federal control—remains uncertain. Political and regulatory shifts could dramatically affect FMCC’s value and business model. Analysts warn of dilution risk for common shareholders if privatization proceeds and senior preferred shares are converted.
📚 Dividends, Investor Considerations & Long-Term Perspective
💸 Dividends: FMCC last paid a dividend in 2008. The company does not currently pay dividends and is unlikely to resume payouts until after any privatization or major regulatory changes.
🔍 Investor Pros & Cons:
What is Freddie Mac? (Rocket Mortgage)
🔍 Investor Pros & Cons:
- Pros: Massive asset base, government support, pivotal role in US housing, potential upside from privatization, and strong recent earnings.
- Cons: High volatility, political risk, regulatory uncertainty, no current dividend, and exposure to housing market cycles.
©️ 2025 | Freddie Mac (FMCC) Stock: Complete Guide for US Investors
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