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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Federal Home Loan Mortgage (FMCC) investor relations material
Federal Home Loan Mortgage Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.4 billion, down 14% year-over-year, mainly due to higher provision for credit losses.
Net worth rose to $65 billion as of June 30, 2025, a 22% increase year-over-year.
Provided over $100 billion in liquidity, supporting more than 360,000 families, with 53% of single-family loans and 95% of rental units affordable to low- and moderate-income households.
First-time homebuyers accounted for 53% of new single-family purchase loans.
Mortgage portfolio reached $3.6 trillion.
Financial highlights
Net revenues were $5.9 billion, down 1% year-over-year, as lower non-interest income offset higher net interest income.
Net interest income rose 8% year-over-year to $5.3 billion, driven by portfolio growth and lower funding costs.
Non-interest income fell 42% year-over-year to $617 million, mainly due to lower investment gains in multifamily.
Provision for credit losses increased to $783 million, nearly doubling year-over-year, driven by lower house price forecasts.
Net worth increased by $2.4 billion during the quarter.
Outlook and guidance
House price forecast revised downward: 1.3% increase expected over next 12 months, down from 4.2% previously.
Management expects continued focus on efficiency, productivity, and safe portfolio growth.
Future results remain uncertain due to ongoing conservatorship, regulatory, and policy changes.
Explain the shift in house price forecast.
Detail the change in multifamily business strategy.
Discuss actions to increase credit scoring competition.
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Next Federal Home Loan Mortgage earnings date
Q3 202529 Oct, 2025
Next Federal Home Loan Mortgage earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
Federal Home Loan Mortgage Corp., commonly known as Freddie Mac, is a government-sponsored enterprise (GSE) that plays a key role in the U.S. housing finance system. The company primarily focuses on purchasing residential mortgages from lenders, pooling them, and selling them as mortgage-backed securities (MBS) to investors. This process helps provide liquidity, stability, and affordability to the housing market by enabling mortgage lenders to extend more loans to homebuyers. Freddie Mac's operations are crucial in supporting the secondary mortgage market and ensuring a steady flow of capital for home financing. The company is headquartered in McLean, Virginia, USA, and its shares are listed on the OTCQB.
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