Overview Dividends

(RKT) Rocket Companies - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US77311W1018

Mortgage, Real Estate, Personal Finance Appraisal, Settlement, Title

Commercial & Residential Mortgage Finance
Market Cap in USD: 55,980m

IPO / Inception: 2020-08-06
Return 12m vs S&P 500: 97.9%

EPS (Earnings per Share)

EPS CAGR: -21.04%
EPS Trend: 30.6%

Last SUE: -3.29
Qual. Beats: 0

Revenue

Rev. CAGR: -9.92%
Rev. Trend: -10.8%

Last SUE: 0.62
Qual. Beats: 0

Dividends

Dividend Yield	3.43%
Yield on Cost 5y	4.80%
Yield CAGR 5y	-7.86%
Payout Consistency	47.7%
Payout Ratio	4.2%

Risk via 5d forecast
Volatility	68.4%
Value at Risk 5%th	104%
Relative Tail Risk	-7.63%

Reward TTM
Sharpe Ratio	1.64
Alpha	117.84
CAGR/Max DD	0.88

Character TTM
Hurst Exponent	0.379
Beta	0.703
Beta Downside	0.122

Drawdowns 3y
Max DD	50.60%
Mean DD	18.91%
Median DD	18.20%

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 (210.6m) change vs 12m ago 5.14% (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

(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) 32.53

1. Piotroski 1.0pt

2. FCF Yield -1.49%

3. FCF Margin -17.41%

4. Debt/Equity 2.51

5. Debt/Ebitda 24.08

6. ROIC - WACC (= -3.31)%

7. RoE -1.58%

8. Rev. Trend -10.76%

9. EPS Trend 30.56%

What is the price of RKT shares?

As of January 10, 2026, the stock is trading at USD 23.29 with a total of 73,293,754 shares traded.
Over the past week, the price has changed by +17.15%, over one month by +22.64%, over three months by +43.23% and over the past year by +139.41%.

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.

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	20.9	-10.5%
Analysts Target Price	20.9	-10.5%
ValueRay Target Price	27.1	16.5%

RKT Fundamental Data Overview January 06, 2026

P/E Forward = 24.8756
P/S = 9.1786
P/B = 6.3244
P/EG = 0.4709
Beta = 2.296
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 = 72.40b USD (55.98b + Debt 22.26b - CCE 5.84b)
Interest Coverage Ratio = 0.87 (Ebit TTM 519.9m / Interest Expense TTM 598.2m)
FCF Yield = -1.49% (FCF TTM -1.08b / Enterprise Value 72.40b)
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 = 2.16 (Enterprise Value 72.40b / 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 = -0.35% (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 = 2.98% (NOPAT 349.6m / Invested Capital 11.74b)
WACC = 6.29% (E(55.98b)/V(78.24b) * Re(8.51%) + D(22.26b)/V(78.24b) * Rd(1.02%) * (1-Tc(0.33)))
Discount Rate = 8.51% (= 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: -3.29 | # QB: 0
Revenue Correlation: -10.76 | Revenue CAGR: -9.92% | SUE: 0.62 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.14 | Chg30d=-0.002 | Revisions Net=-2 | Analysts=9
EPS next Year (2026-12-31): EPS=0.82 | Chg30d=+0.014 | Revisions Net=-1 | Growth EPS=+256.5% | Growth Revenue=+60.5%

Additional Sources for RKT Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle