(RKT) Rocket Companies - Ratings and Ratios
Mortgage, Real Estate, Personal Finance Appraisal, Settlement, Title
Dividends
| Dividend Yield | 4.06% |
| Yield on Cost 5y | 4.83% |
| Yield CAGR 5y | -9.01% |
| Payout Consistency | 22.9% |
| Payout Ratio | 4.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 58.5% |
| Value at Risk 5%th | 89.7% |
| Relative Tail Risk | -6.79% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.87 |
| Alpha | 31.83 |
| CAGR/Max DD | 0.72 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.314 |
| Beta | 0.685 |
| Beta Downside | 0.099 |
| Drawdowns 3y | |
|---|---|
| Max DD | 50.60% |
| Mean DD | 18.96% |
| Median DD | 18.27% |
Description: RKT Rocket Companies December 04, 2025
Rocket Companies, Inc. (NYSE:RKT) is a Detroit-based holding company that delivers mortgage, real-estate, and personal-finance services in the United States and Canada through two operating segments: Direct-to-Consumer and Partner Network.
The firm’s consumer-facing portfolio includes Rocket Mortgage (digital mortgage origination), Rocket Close (appraisal, settlement and title services), Rocket Homes (online home-search and agent referral), Rocket Loans (online personal loans), Rocket Money (subscription cancellation, budgeting and credit-score tools), and Lendesk (SaaS point-of-sale and loan-origination platform for mortgage professionals). It also originates, closes, sells, and services agency-conforming loans.
Recent data points: Q4 2023 loan-origination volume reached roughly $45 billion, up 12 % YoY; the Direct-to-Consumer segment generated about 68 % of total revenue, powered by a 15 % YoY rise in digital mortgage applications; and Rocket Money’s active user base grew to 2.1 million in 2023, reflecting strong demand for fintech budgeting tools. The business’s performance is closely tied to mortgage-rate cycles, housing-inventory levels, and broader credit-availability trends that have been volatile since the Fed’s rate hikes in 2022-2024.
For a data-rich, forward-looking valuation framework, see the analysis on ValueRay.
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) 30.65
| 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 -10.76% |
| 9. EPS Trend -9.15% |
What is the price of RKT shares?
Over the past week, the price has changed by -0.15%, over one month by +16.70%, over three months by +10.23% and over the past year by +48.35%.
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 | 1.1% |
| Analysts Target Price | 19.9 | 1.1% |
| ValueRay Target Price | 22.3 | 13.2% |
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: -10.76 | Revenue CAGR: -9.92% | SUE: 0.62 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.15 | Chg30d=-0.014 | Revisions Net=+1 | Analysts=8
EPS next Year (2026-12-31): EPS=0.80 | Chg30d=-0.018 | Revisions Net=+0 | Growth EPS=+253.7% | Growth Revenue=+57.8%
Additional Sources for RKT Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle