Overview Dividends

(RKT) Rocket Companies - Ratings and Ratios

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

Mortgage, Real-Estate, Loans, Financial-Services

RKT EPS (Earnings per Share)

EPS Growth (3Y CAGR): 258.22%
EPS Trend (3Y Correlation): 75.1%

RKT Revenue

Revenue Growth (3Y CAGR): 57.13%
Revenue Trend (3Y Correlation): 64.9%

Risk via 10d forecast
Volatility	53.8%
Value at Risk 5%th	83.0%
Relative Tail Risk	-6.12%

Reward TTM
Sharpe Ratio	0.63
Alpha	5.55

Character TTM
Hurst Exponent	0.395
Beta	0.635
Beta Downside	0.078

Drawdowns 3y
Max DD	50.60%
Mean DD	18.78%
Median DD	18.17%

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	48,002m
Sub-Industry	Commercial & Residential Mortgage Finance
IPO / Inception	2020-08-06
Return 12m vs S&P 500	16.0%
Analyst Rating	3.17 of 5

RKT Dividends

Dividend Yield	4.69%
Yield on Cost 5y	4.20%
Yield CAGR 5y	-9.01%
Payout Consistency	22.9%
Payout Ratio	4.2%

RKT Growth Ratios

CAGR 3y	34.30%
CAGR/Max DD Calmar Ratio	0.68
CAGR/Mean DD Pain Ratio	1.83
Current Volume	44312.9k
Average Volume	43839k

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (-102.2m TTM) > 0 and > 6% of Revenue (6% = 370.7m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA 19.90pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 90.27% (prev -179.7%; Δ 270.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.05 (>3.0%) and CFO 1.84b > Net Income -102.2m (YES >=105%, WARN >=100%)

Net Debt (16.40b) to EBITDA (682.0m) ratio: 24.05 <= 3.0 (WARN <= 3.5)

Current Ratio 19.74 (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'' 1.22

(A) 0.17 = (Total Current Assets 5.87b - Total Current Liabilities 297.5m) / 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: 1.22 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 58.07

1. Piotroski 3.0pt = -2.0

2. FCF Yield 2.55% = 1.28

3. FCF Margin 26.60% = 6.65

4. Debt/Equity 2.51 = -0.02

5. Debt/Ebitda 24.05 = -2.50

6. ROIC - WACC (= -2.95)% = -3.69

7. RoE -1.58% = -0.26

8. Rev. Trend 64.93% = 4.87

9. EPS Trend 75.08% = 3.75

What is the price of RKT shares?

As of November 17, 2025, the stock is trading at USD 17.05 with a total of 44,312,926 shares traded.
Over the past week, the price has changed by -0.18%, over one month by +3.02%, over three months by -4.37% and over the past year by +34.16%.

Is Rocket Companies a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Rocket Companies is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 58.07 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RKT is around 17.16 USD . This means that RKT is currently overvalued and has a potential downside of 0.65%.

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	19.9	16.8%
Analysts Target Price	19.9	16.8%
ValueRay Target Price	18.7	9.6%

RKT Fundamental Data Overview November 17, 2025

Market Cap USD = 48.00b (48.00b USD * 1.0 USD.USD)
P/E Forward = 21.322
P/S = 7.8705
P/B = 5.4241
P/EG = 0.4038
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 = 297.5m USD (from shortTermDebt, last quarter)
Debt = 22.26b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 16.40b USD (from netDebt column, last quarter)
Enterprise Value = 64.40b USD (48.00b + Debt 22.26b - CCE 5.86b)
Interest Coverage Ratio = 0.87 (Ebit TTM 519.9m / Interest Expense TTM 598.2m)
FCF Yield = 2.55% (FCF TTM 1.64b / Enterprise Value 64.40b)
FCF Margin = 26.60% (FCF TTM 1.64b / 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 = 1.92 (Enterprise Value 64.40b / 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 = 19.74 (Total Current Assets 5.87b / Total Current Liabilities 297.5m)
Debt / Equity = 2.51 (Debt 22.26b / totalStockholderEquity, last quarter 8.85b)
Debt / EBITDA = 24.05 (Net Debt 16.40b / EBITDA 682.0m)
Debt / FCF = 9.98 (Net Debt 16.40b / FCF TTM 1.64b)
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 = 5.93% (E(48.00b)/V(70.26b) * Re(8.36%) + D(22.26b)/V(70.26b) * Rd(1.02%) * (1-Tc(0.33)))
Discount Rate = 8.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 285.2%
[DCF Debug] Terminal Value 69.05% ; FCFE base≈1.64b ; Y1≈1.08b ; Y5≈493.4m
Fair Price DCF = 9.51 (DCF Value 9.19b / Shares Outstanding 966.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 75.08 | EPS CAGR: 258.2% | SUE: 1.25 | # QB: 1
Revenue Correlation: 64.93 | Revenue CAGR: 57.13% | SUE: 0.62 | # QB: 0

Additional Sources for RKT Stock

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