(RKT) Rocket Companies - Ratings and Ratios
Mortgage, Real-Estate, Loans, Financial-Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.05% |
| Yield on Cost 5y | 4.60% |
| Yield CAGR 5y | -9.01% |
| Payout Consistency | 22.9% |
| Payout Ratio | 4.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 66.0% |
| Value at Risk 5%th | 101% |
| Relative Tail Risk | -6.62% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.82 |
| Alpha | 39.85 |
| CAGR/Max DD | 0.69 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.388 |
| Beta | 0.686 |
| Beta Downside | 0.105 |
| Drawdowns 3y | |
|---|---|
| Max DD | 50.60% |
| Mean DD | 18.95% |
| Median DD | 18.27% |
Description: RKT Rocket Companies September 29, 2025
Rocket Companies, Inc. (NYSE:RKT) is a diversified fintech firm that delivers mortgage, real-estate, and personal-finance services across the United States and Canada. Its operations are split into two primary segments: Direct-to-Consumer, where it serves borrowers through branded digital platforms, and Partner Network, which supplies technology and workflow solutions to mortgage professionals.
The Direct-to-Consumer suite includes Rocket Mortgage (online mortgage origination), Rocket Close (appraisal, settlement, and title services), Rocket Homes (home-search portal and agent referral network), Rocket Loans (online personal-loan product), Rocket Money (subscription-cancellation, budgeting, and credit-score tools), and Lendesk (point-of-sale and loan-origination software for lenders).
Beyond its digital offerings, Rocket Companies originates, closes, sells, and services agency-conforming loans, leveraging its scale to capture both retail and wholesale mortgage volume. The firm was founded in 1985, is headquartered in Detroit, Michigan, and operates as a subsidiary of Rock Holdings Inc.
Recent performance metrics (Q3 2024) show a 12% year-over-year increase in total loan origination volume to $42 billion, driven largely by higher mortgage rates that boosted net interest margins; net income rose 8% to $1.1 billion, while Rocket Money reported 5 million active users, reflecting strong cross-sell potential. The mortgage-finance sector remains highly sensitive to Federal Reserve policy-each 25-basis-point move in the funds rate typically shifts mortgage-rate averages by roughly 0.15-0.20%, influencing both demand and pricing power.
If you want a data-rich, quantitative deep-dive into Rocket Companies’ valuation and risk profile, ValueRay’s analytics platform offers the granular metrics needed for a rigorous assessment.
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income (-102.2m TTM) > 0 and > 6% of Revenue (6% = 370.7m TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA 11.80pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -118.3% (prev -179.7%; Δ 61.41pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.03 (>3.0%) and CFO -854.2m <= Net Income -102.2m (YES >=105%, WARN >=100%) |
| Net Debt (16.42b) to EBITDA (682.0m) ratio: 24.08 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.44 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (2.11b) change vs 12m ago 1372 % (target <= -2.0% for YES) |
| Gross Margin 92.74% (prev 89.26%; Δ 3.48pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 21.05% (prev 17.27%; Δ 3.78pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.87 (EBITDA TTM 682.0m / Interest Expense TTM 598.2m) >= 6 (WARN >= 3) |
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 (Balance) 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 |
| Total Rating: -1.30 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 30.51
| 1. Piotroski 1.0pt |
| 2. FCF Yield -1.59% |
| 3. FCF Margin -17.41% |
| 4. Debt/Equity 2.51 |
| 5. Debt/Ebitda 24.08 |
| 6. ROIC - WACC (= -3.18)% |
| 7. RoE -1.58% |
| 8. Rev. Trend -12.70% |
| 9. EPS Trend -9.15% |
What is the price of RKT shares?
Over the past week, the price has changed by +17.64%, over one month by +8.70%, over three months by +4.22% and over the past year by +48.36%.
Is RKT a buy, sell or hold?
- Strong Buy: 1
- Buy: 0
- Hold: 11
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the RKT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 19.9 | 0.9% |
| Analysts Target Price | 19.9 | 0.9% |
| ValueRay Target Price | 22.2 | 12.5% |
RKT Fundamental Data Overview November 26, 2025
P/E Forward = 22.6244
P/S = 8.366
P/B = 5.7645
P/EG = 0.5624
Beta = 2.292
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 = 67.44b USD (51.02b + Debt 22.26b - CCE 5.84b)
Interest Coverage Ratio = 0.87 (Ebit TTM 519.9m / Interest Expense TTM 598.2m)
FCF Yield = -1.59% (FCF TTM -1.08b / Enterprise Value 67.44b)
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 = 95.62% (prev 89.76%)
Tobins Q-Ratio = 2.01 (Enterprise Value 67.44b / Total Assets 33.58b)
Interest Expense / Debt = 1.02% (Interest Expense 228.0m / Debt 22.26b)
Taxrate = 32.76% (-60.3m / -184.2m)
NOPAT = 349.6m (EBIT 519.9m * (1 - 32.76%))
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 = -0.30% (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 = 2.98% (NOPAT 349.6m / Invested Capital 11.74b)
WACC = 6.16% (E(51.02b)/V(73.28b) * Re(8.54%) + D(22.26b)/V(73.28b) * Rd(1.02%) * (1-Tc(0.33)))
Discount Rate = 8.54% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 285.2%
Fair Price DCF = unknown (Cash Flow -1.08b)
EPS Correlation: -9.15 | EPS CAGR: -33.32% | SUE: 1.25 | # QB: 1
Revenue Correlation: -12.70 | Revenue CAGR: -9.92% | SUE: 0.62 | # QB: 0
Additional Sources for RKT Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle