OTCPK:FCRM

Stock Analysis Report

Franklin Credit Management

Executive Summary

Franklin Credit Management Corporation operates as a specialty consumer finance company in the United States.


Snowflake Analysis

Weak fundamentals or lack of information.

Share Price & News

How has Franklin Credit Management's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: FCRM's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

0%

FCRM

-2.1%

US Mortgage

0.9%

US Market


1 Year Return

n/a

FCRM

6.8%

US Mortgage

20.0%

US Market

Return vs Industry: Insufficient data to determine how FCRM performed against the US Mortgage industry.

Return vs Market: Insufficient data to determine how FCRM performed against the US Market.


Shareholder returns

FCRMIndustryMarket
7 Day0%-2.1%0.9%
30 Day70.0%-1.6%1.4%
90 Day13.3%-1.9%8.8%
1 Yearn/a9.3%6.8%22.5%20.0%
3 Yearn/a19.3%10.9%49.9%40.3%
5 Year47.8%47.8%60.9%43.1%73.2%54.1%

Price Volatility Vs. Market

How volatile is Franklin Credit Management's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Franklin Credit Management undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Franklin Credit Management is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Franklin Credit Management has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of FCRM’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Franklin Credit Management regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Franklin Credit Management forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

6.4%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Franklin Credit Management has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of FCRM’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Franklin Credit Management's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Franklin Credit Management performed over the past 5 years?

15.9%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Franklin Credit Management has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Franklin Credit Management's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Franklin Credit Management's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Franklin Credit Management has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of FCRM’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Franklin Credit Management's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Franklin Credit Management's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage2.9%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: Unable to evaluate FCRM's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate FCRM's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if FCRM's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if FCRM's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of FCRM's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Franklin Credit Management has no CEO, or we have no data on them.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

Franklin Credit Management Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Franklin Credit Management Corporation
  • Ticker: FCRM
  • Exchange: OTCPK
  • Founded: 1988
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$3.412m
  • Shares outstanding: 10.04m
  • Website: https://www.franklincredit.com

Number of Employees


Location

  • Franklin Credit Management Corporation
  • 101 Hudson Street
  • Jersey City
  • New Jersey
  • 7302
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FCRMOTCPK (Pink Sheets LLC)YesCommon StockUSUSDSep 2012

Biography

Franklin Credit Management Corporation operates as a specialty consumer finance company in the United States. The company is involved in the servicing and resolution of performing, reperforming, and nonperforming residential mortgage loans, including specialized loan recovery and collection servicing, as well as in the analysis, pricing, and acquisition of residential mortgage portfolios for third parties. Franklin Credit Management Corporation was incorporated in 1988 and is based in Jersey City, New Jersey. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/18 00:52
End of Day Share Price2020/02/11 00:00
Earnings2014/09/30
Annual Earnings2013/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.