(RKT) Rocket Companies - Overview
Stock: Mortgage, Lending, Real Estate, Personal Finance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.58% |
| Yield on Cost 5y | 4.40% |
| Yield CAGR 5y | -7.86% |
| Payout Consistency | 47.7% |
| Payout Ratio | 5.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 59.9% |
| Relative Tail Risk | -8.46% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.91 |
| Alpha | 44.93 |
| Character TTM | |
|---|---|
| Beta | 0.699 |
| Beta Downside | 0.149 |
| Drawdowns 3y | |
|---|---|
| Max DD | 50.60% |
| CAGR/Max DD | 0.63 |
Description: RKT Rocket Companies January 29, 2026
Rocket Companies Inc. (NYSE:RKT) operates a vertically integrated suite of mortgage-centric services across the United States and Canada. Its two primary segments are Direct-to-Consumer (e.g., Rocket Mortgage, Rocket Money, Rocket Loans) and Partner Network (e.g., Rocket Close, Rocket Homes, Lendesk), covering loan origination, appraisal, title, real-estate brokerage referrals, and personal-finance tools.
According to the company’s Q4 2025 earnings release, total loan-origination volume reached **$12.4 billion**, up 7 % YoY, while net revenue rose to **$1.81 billion** (operating margin ≈ 16 %). The personal-loans portfolio grew 12 % YoY to $3.2 billion in outstanding balances, and Rocket Money added **1.9 million** active users in the quarter, indicating expanding cross-sell opportunities.
Key macro drivers remain the **Federal Reserve’s policy rate** (5.25 % as of Jan 2026) and the **average 30-year mortgage rate** (≈ 6.8 %). Elevated rates have compressed mortgage-originations but also boosted net interest margins. Meanwhile, U.S. housing inventory stays tight at **≈ 1.2 million** units, supporting price stability, while consumer-credit delinquency rates have held steady near **2.1 %**, suggesting modest credit-risk pressure.
For a deeper quantitative dive, you might explore the company’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income: -102.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA 11.80 > 1.0 |
| NWC/Revenue: -118.3% < 20% (prev -179.7%; Δ 61.41% < -1%) |
| CFO/TA -0.03 > 3% & CFO -854.2m > Net Income -102.2m |
| Net Debt (16.42b) to EBITDA (682.0m): 24.08 < 3 |
| Current Ratio: 0.44 > 1.5 & < 3 |
| Outstanding Shares: last quarter (210.6m) vs 12m ago 5.14% < -2% |
| Gross Margin: 92.74% > 18% (prev 0.89%; Δ 9185 % > 0.5%) |
| Asset Turnover: 21.05% > 50% (prev 17.27%; Δ 3.78% > 0%) |
| Interest Coverage Ratio: 0.87 > 6 (EBITDA TTM 682.0m / Interest Expense TTM 598.2m) |
Altman Z'' -1.30
| A: -0.22 (Total Current Assets 5.85b - Total Current Liabilities 13.16b) / Total Assets 33.58b |
| B: 0.00 (Retained Earnings 55.2m / Total Assets 33.58b) |
| C: 0.02 (EBIT TTM 519.9m / Avg Total Assets 29.35b) |
| D: 0.00 (Book Value of Equity 53.5m / Total Liabilities 24.72b) |
| Altman-Z'' Score: -1.30 = CCC |
Beneish M -2.97
| DSRI: 0.80 (Receivables 17.4m/15.2m, Revenue 6.18b/4.34b) |
| GMI: 0.96 (GM 92.74% / 89.26%) |
| AQI: 0.87 (AQ_t 0.81 / AQ_t-1 0.93) |
| SGI: 1.42 (Revenue 6.18b / 4.34b) |
| TATA: 0.02 (NI -102.2m - CFO -854.2m) / TA 33.58b) |
| Beneish M-Score: -2.97 (Cap -4..+1) = A |
What is the price of RKT shares?
Over the past week, the price has changed by +0.59%, over one month by -11.11%, over three months by +10.54% and over the past year by +54.42%.
Is RKT a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 11
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the RKT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 21.6 | 14.2% |
| Analysts Target Price | 21.6 | 14.2% |
| ValueRay Target Price | 22.4 | 18.4% |
RKT Fundamental Data Overview February 03, 2026
P/S = 8.2783
P/B = 6.6075
P/EG = 0.4919
Revenue TTM = 6.18b USD
EBIT TTM = 519.9m USD
EBITDA TTM = 682.0m USD
Long Term Debt = 9.10b USD (from longTermDebt, last quarter)
Short Term Debt = 12.86b USD (from shortTermDebt, last quarter)
Debt = 22.26b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 16.42b USD (from netDebt column, last quarter)
Enterprise Value = 66.91b USD (50.49b + Debt 22.26b - CCE 5.84b)
Interest Coverage Ratio = 0.87 (Ebit TTM 519.9m / Interest Expense TTM 598.2m)
EV/FCF = -62.22x (Enterprise Value 66.91b / FCF TTM -1.08b)
FCF Yield = -1.61% (FCF TTM -1.08b / Enterprise Value 66.91b)
FCF Margin = -17.41% (FCF TTM -1.08b / Revenue TTM 6.18b)
Net Margin = -1.65% (Net Income TTM -102.2m / Revenue TTM 6.18b)
Gross Margin = 92.74% ((Revenue TTM 6.18b - Cost of Revenue TTM 448.6m) / Revenue TTM)
Gross Margin QoQ = none% (prev 89.76%)
Tobins Q-Ratio = 1.99 (Enterprise Value 66.91b / Total Assets 33.58b)
Interest Expense / Debt = 1.02% (Interest Expense 228.0m / Debt 22.26b)
Taxrate = 4.82% (32.2m / 668.1m)
NOPAT = 494.8m (EBIT 519.9m * (1 - 4.82%))
Current Ratio = 0.44 (Total Current Assets 5.85b / Total Current Liabilities 13.16b)
Debt / Equity = 2.51 (Debt 22.26b / totalStockholderEquity, last quarter 8.85b)
Debt / EBITDA = 24.08 (Net Debt 16.42b / EBITDA 682.0m)
Debt / FCF = -15.27 (negative FCF - burning cash) (Net Debt 16.42b / FCF TTM -1.08b)
Total Stockholder Equity = 6.48b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.35% (Net Income -102.2m / Total Assets 33.58b)
RoE = -1.58% (Net Income TTM -102.2m / Total Stockholder Equity 6.48b)
RoCE = 3.34% (EBIT 519.9m / Capital Employed (Equity 6.48b + L.T.Debt 9.10b))
RoIC = 4.21% (NOPAT 494.8m / Invested Capital 11.74b)
WACC = 6.19% (E(50.49b)/V(72.74b) * Re(8.49%) + D(22.26b)/V(72.74b) * Rd(1.02%) * (1-Tc(0.05)))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 21.81%
Fair Price DCF = unknown (Cash Flow -1.08b)
EPS Correlation: 30.56 | EPS CAGR: -21.04% | SUE: -3.41 | # QB: 0
Revenue Correlation: -10.76 | Revenue CAGR: -9.92% | SUE: 0.62 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.16 | Chg30d=+0.014 | Revisions Net=-1 | Analysts=11
EPS next Year (2026-12-31): EPS=0.84 | Chg30d=+0.019 | Revisions Net=+0 | Growth EPS=+257.0% | Growth Revenue=+60.5%