RKT Stock Analysis: Rocket Companies | NYSE
Mortgage Finance | NYSE, USA | Market Cap: 33.074m USD | 12M Return: -31.6% | US77311W1018 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 443M
Qual. Beats: 0
Rev. Trend: 93.0%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 6.1 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Rocket Companies, Inc. (NYSE: RKT) is a U.S.-based fintech firm operating across mortgage lending, real estate, and personal finance, with operations in the United States and Canada. Founded in 1985 in Detroit, Michigan, the company runs two reporting segments-Direct to Consumer and Partner Network-and offers a branded product suite including Rocket Mortgage, Redfin, Rocket Close, Rocket Money, and Rocket Loans. Its core mortgage business involves originating, closing, selling, and servicing agency-conforming loans, meaning loans that meet the underwriting standards of government-sponsored enterprises such as Fannie Mae and Freddie Mac, which can be readily resold into the secondary market. The company is classified within the GICS Financials sector under Commercial & Residential Mortgage Finance, an industry whose revenue and origination volumes are highly sensitive to movements in interest rates and housing demand. Rocket Companies went public in August 2020 and was previously a subsidiary of Rock Holdings Inc.
- Elevated mortgage rates pressure loan origination volumes
- Redfin integration expands real estate segment revenue
- Gain on sale margins face competitive pressure from rival lenders
| Net Income: 471.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 7.53 > 1.0 |
| NWC/Revenue: -27.57% < 20% (prev -115.7%; Δ 88.17% < -1%) |
| CFO/TA -0.01 > 3% & CFO -634.9m > Net Income 471.1m |
| Net Debt (30.4b) to EBITDA (2.48b): 12.26 < 3 |
| Current Ratio: 0.54 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.84b) vs 12m ago 38.41% < -2% |
| Gross Margin: 89.92% > 18% (prev 90.06%; Δ -0.14% > 0.5%) |
| Asset Turnover: 21.17% > 50% (prev 16.92%; Δ 4.25% > 0%) |
| Interest Coverage Ratio: 1.52 > 6 (EBIT TTM 1.95b / Interest Expense TTM 1.29b) |
| A: -0.04 (Total Current Assets 3.10b - Total Current Liabilities 5.77b) / Total Assets 61.0b |
| B: 0.01 (Retained Earnings 651.0m / Total Assets 61.0b) |
| C: 0.04 (EBIT TTM 1.95b / Avg Total Assets 45.7b) |
| D: 0.63 (Book Value of Equity 23.5b / Total Liabilities 37.4b) |
| Altman-Z'' = 0.70 = B |
| DSRI: 3.0 (Receivables 1.54b/15.3m, Revenue 9.67b/5.14b) |
| GMI: 1.00 (GM 90.06% / 89.92%) |
| AQI: 1.16 (AQ_t 0.94 / AQ_t-1 0.82) |
| SGI: 1.88 (Revenue 9.67b / 5.14b) |
| TATA: 0.02 (NI 471.1m - CFO -634.9m) / TA 61.0b) |
| Beneish M = -0.65 (Cap -4..+1) = D |
As of October 07, 2026, the stock is trading at USD 11.59 with a total of 34,314,896 shares traded. Over the past week, the price has changed by -0.86%, over one month by -16.08%, over three months by -25.47% and over the past year by -31.58%.
Current recommended Stop Loss: 10.70 (which is 7.7% or 1.5 ATR below the current price).
Rocket Companies has received a consensus analysts rating of 3.94. Therefore, it is recommended to buy RKT.
- StrongBuy: 6
- Buy: 4
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 17.3 | 49% |
P/E Forward = 15.5763
P/S = 3.2289
P/B = 1.4612
P/EG = 0.5326
Revenue TTM = 9.67b USD
EBIT TTM = 1.95b USD
EBITDA TTM = 2.48b USD
Long Term Debt = 27.4b USD (from longTermDebt, last quarter)
Short Term Debt = 5.77b USD (from shortTermDebt, last quarter)
Debt = 33.5b USD (from shortLongTermDebtTotal, last quarter) + Leases 294.7m
Net Debt = 30.4b USD (calculated: Debt 33.5b - CCE 3.10b)
Enterprise Value = 63.4b USD (33.1b + Debt 33.5b - CCE 3.10b)
Interest Coverage Ratio = 1.52 (Ebit TTM 1.95b / Interest Expense TTM 1.29b)
EV/FCF = -82.04x (Enterprise Value 63.4b / FCF TTM -773.4m)
FCF Yield = -1.22% (FCF TTM -773.4m / Enterprise Value 63.4b)
FCF Margin = -8.00% (FCF TTM -773.4m / Revenue TTM 9.67b)
Net Margin = 4.87% (Net Income TTM 471.1m / Revenue TTM 9.67b)
Gross Margin = 89.92% ((Revenue TTM 9.67b - Cost of Revenue TTM 974.3m) / Revenue TTM)
Gross Margin QoQ = 89.02% (prev 89.34%)
Tobins Q-Ratio = 1.04 (Enterprise Value 63.4b / Total Assets 61.0b)
Interest Expense / Debt = 3.84% (Interest Expense 1.29b / Debt 33.5b)
Taxrate = 29.36% (195.5m / 665.8m)
NOPAT = 1.38b (EBIT 1.95b * (1 - 29.36%))
Current Ratio = 0.54 (Total Current Assets 3.10b / Total Current Liabilities 5.77b)
Debt / Equity = 1.42 (Debt 33.5b / totalStockholderEquity, last quarter 23.5b)
Debt / EBITDA = 12.26 (Net Debt 30.4b / EBITDA 2.48b)
Debt / FCF = -39.27 (negative FCF - burning cash) (Net Debt 30.4b / FCF TTM -773.4m)
Total Stockholder Equity = 19.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 471.1m / Total Assets 61.0b)
RoE = 2.40% (Net Income TTM 471.1m / Total Stockholder Equity 19.6b)
RoCE = 4.15% (EBIT 1.95b / Capital Employed (Equity 19.6b + L.T.Debt 27.4b))
RoIC = 2.28% (NOPAT 1.38b / Invested Capital 60.5b)
WACC = 6.34% (E(33.1b)/V(66.5b) * Re(10.01%) + D(33.5b)/V(66.5b) * Rd(3.84%) * (1-Tc(0.29)))
Discount Rate = 10.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.25 | Cagr: 17.15%
[DCF] Fair Price = unknown (Cash Flow -773.4m)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.0 | # QB: 0
Revenue Correlation: 92.98 | Revenue CAGR: 34.43% | SUE: -0.84 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.15 | Chg30d=-2.82% | Revisions=-81% | Analysts=14
EPS current Year (2026-12-31): EPS=0.61 | Chg30d=-1.29% | Revisions=+0% | GrowthEPS=+117.9% | GrowthRev=+58.7%
EPS next Year (2027-12-31): EPS=0.83 | Chg30d=-4.17% | Revisions=+0% | GrowthEPS=+36.2% | GrowthRev=+10.5%
[Analyst] Revisions Ratio: -65% (up=2, down=15)