(RKT) Rocket Companies - Overview

Sector: Financial Services | Industry: Mortgage Finance | Exchange: NYSE (USA) | Market Cap: 42.382m USD | Total Return: 17.8% in 12m

Mortgage Lending, Real Estate, Personal Finance, Software
Total Rating 15
Safety 44
Buy Signal -0.38
Mortgage Finance
Industry Rotation: +36.0
Market Cap: 42.4B
Avg Turnover: 329M USD
ATR: 5.64%
Peers RS (IBD): 31.8
Risk 5d forecast
Volatility56.0%
Rel. Tail Risk-6.23%
Reward TTM
Sharpe Ratio0.44
Alpha-39.19
Character TTM
Beta1.165
Beta Downside0.446
Drawdowns 3y
Max DD50.60%
CAGR/Max DD0.39
EPS (Earnings per Share) EPS (Earnings per Share) of RKT over the last years for every Quarter: "2021-03": 0.89, "2021-06": 0.46, "2021-09": 0.57, "2021-12": 0.32, "2022-03": 0.15, "2022-06": -0.03, "2022-09": -0.08, "2022-12": -0.1, "2023-03": -0.06, "2023-06": -0.02, "2023-09": 0.0449, "2023-12": -0.0796, "2024-03": 0.04, "2024-06": 0.06, "2024-09": 0.08, "2024-12": 0.04, "2025-03": 0.04, "2025-06": 0.04, "2025-09": 0.07, "2025-12": 0.11, "2026-03": 0,
EPS CAGR: 9.36%
EPS Trend: 72.0%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of RKT over the last years for every Quarter: 2021-03: 4606.715, 2021-06: 2732.477, 2021-09: 3187.508, 2021-12: 2648.913, 2022-03: 2712.292, 2022-06: 1435.125, 2022-09: 1340.859, 2022-12: 516.604, 2023-03: 701.18, 2023-06: 1295.739, 2023-09: 1270.227, 2023-12: 771.338, 2024-03: 1435.159, 2024-06: 1382.015, 2024-09: 748.768, 2024-12: 1835.449, 2025-03: 1101.303, 2025-06: 1451.13, 2025-09: 1789.972, 2025-12: 2497, 2026-03: null,
Rev. CAGR: -2.18%
Rev. Trend: 22.6%
Last SUE: 1.12
Qual. Beats: 1

Warnings

Share dilution 1851.3% YoY - potential capital distress

Volatile

Tailwinds

No distinct edge detected

Description: RKT Rocket Companies

Rocket Companies, Inc. (RKT) provides mortgage, real estate, and personal finance services across the U.S. and Canada. The company operates through two segments: Direct to Consumer and Partner Network. The mortgage lending sector is highly competitive, with numerous players vying for market share.

Key offerings include Rocket Mortgage for lending, Rocket Close for appraisal and title services, and Rocket Homes for real estate search and agent referrals. Rocket Loans provides online personal loans, a growing area within consumer finance. The company also offers financial wellness tools through Rocket Money and mortgage professional software via Lendesk.

Rocket Companies originates, closes, sells, and services agency-conforming loans. This business model relies on efficient loan processing and a robust secondary market for mortgage-backed securities. Further analysis of RKTs financial performance and market positioning can be found on ValueRay.

Headlines to Watch Out For
  • Mortgage interest rate fluctuations impact loan origination volume
  • Housing market activity drives demand for related services
  • Regulatory changes in mortgage industry affect compliance costs
  • Competition from traditional banks pressures market share
  • Technology investments improve efficiency and customer acquisition
Piotroski VR‑10 (Strict) 1.0
Net Income: -68.0m TTM > 0 and > 6% of Revenue
FCF/TA: -0.07 > 0.02 and ΔFCF/TA 7.30 > 1.0
NWC/Revenue: 65.08% < 20% (prev -129.9%; Δ 195.0% < -1%)
CFO/TA -0.06 > 3% & CFO -3.93b > Net Income -68.0m
Net Debt (19.56b) to EBITDA (638.7m): 30.62 < 3
Current Ratio: 16.62 > 1.5 & < 3
Outstanding Shares: last quarter (2.84b) vs 12m ago 1.85k% < -2%
Gross Margin: 90.59% > 18% (prev 0.91%; Δ 8.97k% > 0.5%)
Asset Turnover: 16.06% > 50% (prev 22.04%; Δ -5.98% > 0%)
Interest Coverage Ratio: 0.43 > 6 (EBITDA TTM 638.7m / Interest Expense TTM 813.9m)
Altman Z'' 0.55
A: 0.07 (Total Current Assets 4.74b - Total Current Liabilities 285.0m) / Total Assets 60.69b
B: 0.00 (Retained Earnings 124.0m / Total Assets 60.69b)
C: 0.01 (EBIT TTM 348.9m / Avg Total Assets 42.60b)
D: 0.00 (Book Value of Equity 124.0m / Total Liabilities 37.79b)
Altman-Z'' Score: 0.55 = B
Beneish M -1.48
DSRI: 2.55 (Receivables 2.04b/633.0m, Revenue 6.84b/5.40b)
GMI: 1.01 (GM 90.59% / 91.31%)
AQI: 1.02 (AQ_t 0.92 / AQ_t-1 0.90)
SGI: 1.27 (Revenue 6.84b / 5.40b)
TATA: 0.06 (NI -68.0m - CFO -3.93b) / TA 60.69b)
Beneish M-Score: -1.48 (Cap -4..+1) = D
What is the price of RKT shares? As of April 10, 2026, the stock is trading at USD 15.02 with a total of 31,192,785 shares traded.
Over the past week, the price has changed by +0.40%, over one month by -3.66%, over three months by -35.51% and over the past year by +17.80%.
Is RKT a buy, sell or hold? Rocket Companies has received a consensus analysts rating of 3.17. Therefor, it is recommend to hold RKT.
  • StrongBuy: 1
  • Buy: 0
  • Hold: 11
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the RKT price?
Analysts Target Price 21.6 43.5%
Rocket Companies (RKT) - Fundamental Data Overview as of 08 April 2026
P/E Forward = 18.6916
P/S = 5.9938
P/B = 1.8423
P/EG = 0.498
Revenue TTM = 6.84b USD
EBIT TTM = 348.9m USD
EBITDA TTM = 638.7m USD
Long Term Debt = 12.28b USD (from longTermDebt, last quarter)
Short Term Debt = 3.28b USD (from shortLongTermDebt, last quarter)
Debt = 22.26b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 19.56b USD (recalculated: Debt 22.26b - CCE 2.70b)
Enterprise Value = 61.94b USD (42.38b + Debt 22.26b - CCE 2.70b)
Interest Coverage Ratio = 0.43 (Ebit TTM 348.9m / Interest Expense TTM 813.9m)
EV/FCF = -15.20x (Enterprise Value 61.94b / FCF TTM -4.07b)
FCF Yield = -6.58% (FCF TTM -4.07b / Enterprise Value 61.94b)
FCF Margin = -59.56% (FCF TTM -4.07b / Revenue TTM 6.84b)
Net Margin = -0.99% (Net Income TTM -68.0m / Revenue TTM 6.84b)
Gross Margin = 90.59% ((Revenue TTM 6.84b - Cost of Revenue TTM 643.3m) / Revenue TTM)
Gross Margin QoQ = 87.42% (prev none%)
Tobins Q-Ratio = 1.02 (Enterprise Value 61.94b / Total Assets 60.69b)
Interest Expense / Debt = 1.51% (Interest Expense 335.0m / Debt 22.26b)
Taxrate = 21.0% (US default 21%)
NOPAT = 275.7m (EBIT 348.9m * (1 - 21.00%))
Current Ratio = 16.62 (Total Current Assets 4.74b / Total Current Liabilities 285.0m)
Debt / Equity = 0.97 (Debt 22.26b / totalStockholderEquity, last quarter 22.90b)
Debt / EBITDA = 30.62 (Net Debt 19.56b / EBITDA 638.7m)
 Debt / FCF = -4.80 (negative FCF - burning cash) (Net Debt 19.56b / FCF TTM -4.07b)
 Total Stockholder Equity = 9.95b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.16% (Net Income -68.0m / Total Assets 60.69b)
RoE = -0.68% (Net Income TTM -68.0m / Total Stockholder Equity 9.95b)
RoCE = 1.57% (EBIT 348.9m / Capital Employed (Equity 9.95b + L.T.Debt 12.28b))
RoIC = 1.38% (NOPAT 275.7m / Invested Capital 19.93b)
WACC = 7.02% (E(42.38b)/V(64.64b) * Re(10.08%) + D(22.26b)/V(64.64b) * Rd(1.51%) * (1-Tc(0.21)))
Discount Rate = 10.08% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 19.60%
 [DCF] Fair Price = unknown (Cash Flow -4.07b)
 EPS Correlation: 71.97 | EPS CAGR: 9.36% | SUE: -4.0 | # QB: 0
Revenue Correlation: 22.63 | Revenue CAGR: -2.18% | SUE: 1.12 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.22 | Chg7d=-0.015 | Chg30d=-0.002 | Revisions Net=+0 | Analysts=11
EPS current Year (2026-12-31): EPS=0.82 | Chg7d=-0.010 | Chg30d=-0.006 | Revisions Net=+3 | Growth EPS=+192.0% | Growth Revenue=+70.5%
EPS next Year (2027-12-31): EPS=1.12 | Chg7d=-0.024 | Chg30d=-0.018 | Revisions Net=+4 | Growth EPS=+36.9% | Growth Revenue=+9.4%
[Analyst] Revisions Ratio: +0.00 (3 Up / 3 Down within 30d for Next Quarter)
External Resources
Dataroma Stockcircle