(RKT) Rocket Companies - Ratings and Ratios
Mortgage, Real-Estate, Loans, Financial-Services
RKT EPS (Earnings per Share)
RKT Revenue
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.
RKT Stock Overview
| Market Cap in USD | 46,904m |
| Sub-Industry | Commercial & Residential Mortgage Finance |
| IPO / Inception | 2020-08-06 |
RKT Stock Ratings
| Growth Rating | 58.3% |
| Fundamental | 50.9% |
| Dividend Rating | 1.0% |
| Return 12m vs S&P 500 | -8.76% |
| Analyst Rating | 3.17 of 5 |
RKT Dividends
| Dividend Yield 12m | 5.12% |
| Yield on Cost 5y | 4.44% |
| Annual Growth 5y | -9.01% |
| Payout Consistency | 22.9% |
| Payout Ratio | 4.2% |
RKT Growth Ratios
| Growth Correlation 3m | -54.5% |
| Growth Correlation 12m | 74.7% |
| Growth Correlation 5y | -2.4% |
| CAGR 5y | 31.44% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.62 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.68 |
| Sharpe Ratio 12m | -0.75 |
| Alpha | -34.35 |
| Beta | 2.236 |
| Volatility | 48.01% |
| Current Volume | 47104k |
| Average Volume 20d | 41392.3k |
| Stop Loss | 14.7 (-5.8%) |
| Signal | 0.26 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (-102.2m TTM) > 0 and > 6% of Revenue (6% = 359.6m TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA 21.71pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -117.1% (prev -179.7%; Δ 62.61pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 1.84b > Net Income -102.2m (YES >=105%, WARN >=100%) |
| Net Debt (12.70b) to EBITDA (483.9m) ratio: 26.25 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.23 (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 93.82% (prev 89.26%; Δ 4.56pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 24.15% (prev 17.27%; Δ 6.88pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.70 (EBITDA TTM 483.9m / Interest Expense TTM 461.0m) >= 6 (WARN >= 3) |
Altman Z'' -1.73
| (A) -0.29 = (Total Current Assets 2.06b - Total Current Liabilities 9.08b) / Total Assets 24.51b |
| (B) 0.01 = Retained Earnings (Balance) 312.8m / Total Assets 24.51b |
| (C) 0.01 = EBIT TTM 321.8m / Avg Total Assets 24.81b |
| (D) 0.02 = Book Value of Equity 312.8m / Total Liabilities 15.47b |
| Total Rating: -1.73 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 50.94
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 2.76% = 1.38 |
| 3. FCF Margin 27.42% = 6.86 |
| 4. Debt/Equity 19.89 = -2.50 |
| 5. Debt/Ebitda 26.25 = -2.50 |
| 6. ROIC - WACC (= -6.70)% = -8.38 |
| 7. RoE -2.30% = -0.38 |
| 8. Rev. Trend 62.83% = 4.71 |
| 9. EPS Trend 75.08% = 3.75 |
What is the price of RKT shares?
Over the past week, the price has changed by -2.07%, over one month by -7.85%, over three months by -13.85% and over the past year by +4.73%.
Is Rocket Companies a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RKT is around 14.32 USD . This means that RKT is currently overvalued and has a potential downside of -8.26%.
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 | 18.8 | 20.6% |
| Analysts Target Price | 18.8 | 20.6% |
| ValueRay Target Price | 16.4 | 4.7% |
RKT Fundamental Data Overview November 02, 2025
P/E Forward = 25.0627
P/S = 7.6904
P/B = 6.9398
P/EG = 0.5624
Beta = 2.236
Revenue TTM = 5.99b USD
EBIT TTM = 321.8m USD
EBITDA TTM = 483.9m USD
Long Term Debt = 4.76b USD (from longTermDebt, last fiscal year)
Short Term Debt = 8.89b USD (from shortTermDebt, last fiscal year)
Debt = 13.98b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 12.70b USD (from netDebt column, last fiscal year)
Enterprise Value = 59.61b USD (46.90b + Debt 13.98b - CCE 1.27b)
Interest Coverage Ratio = 0.70 (Ebit TTM 321.8m / Interest Expense TTM 461.0m)
FCF Yield = 2.76% (FCF TTM 1.64b / Enterprise Value 59.61b)
FCF Margin = 27.42% (FCF TTM 1.64b / Revenue TTM 5.99b)
Net Margin = -1.70% (Net Income TTM -102.2m / Revenue TTM 5.99b)
Gross Margin = 93.82% ((Revenue TTM 5.99b - Cost of Revenue TTM 370.2m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 89.76%)
Tobins Q-Ratio = 2.43 (Enterprise Value 59.61b / Total Assets 24.51b)
Interest Expense / Debt = 0.65% (Interest Expense 90.8m / Debt 13.98b)
Taxrate = -32.76% (negative due to tax credits) (60.3m / -184.2m)
NOPAT = 427.3m (EBIT 321.8m * (1 - -32.76%)) [negative tax rate / tax credits]
Current Ratio = 0.23 (Total Current Assets 2.06b / Total Current Liabilities 9.08b)
Debt / Equity = 19.89 (Debt 13.98b / totalStockholderEquity, last fiscal year 702.5m)
Debt / EBITDA = 26.25 (Net Debt 12.70b / EBITDA 483.9m)
Debt / FCF = 7.73 (Net Debt 12.70b / FCF TTM 1.64b)
Total Stockholder Equity = 4.43b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.42% (Net Income -102.2m / Total Assets 24.51b)
RoE = -2.30% (Net Income TTM -102.2m / Total Stockholder Equity 4.43b)
RoCE = 3.50% (EBIT 321.8m / Capital Employed (Equity 4.43b + L.T.Debt 4.76b))
RoIC = 4.47% (NOPAT 427.3m / Invested Capital 9.55b)
WACC = 11.18% (E(46.90b)/V(60.88b) * Re(14.25%) + D(13.98b)/V(60.88b) * Rd(0.65%) * (1-Tc(-0.33)))
Discount Rate = 14.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -73.26%
[DCF Debug] Terminal Value 48.06% ; FCFE base≈1.64b ; Y1≈1.08b ; Y5≈493.4m
Fair Price DCF = 5.00 (DCF Value 4.83b / Shares Outstanding 966.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 75.08 | EPS CAGR: 258.2% | SUE: 0.55 | # QB: 0
Revenue Correlation: 62.83 | Revenue CAGR: 51.03% | SUE: -0.19 | # QB: 0
Additional Sources for RKT Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle