RKT

Rocket Companies, Inc.

Fundamental data last updated:September 12, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Mortgages

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Rocket Companies, Inc. engages in the tech-driven real estate, mortgage, and e-Commerce businesses in the United States and Canada. It operates through two segments, Direct to Consumer and Partner Network. The company's solutions include Rocket Mortgage, a mortgage lender; Amrock that provides title insurance, property valuation, and settlement services; Rocket Homes, a home search platform and real estate agent referral network, which offers technology-enabled services to support the home buying and selling experience; Rocket Auto, an automotive retail marketplace that provides centralized and virtual car sales support to online car purchasing platforms; and Rocket Loans, an online-based personal loans business. It also offer Core Digital Media, a digital social and display advertiser in the mortgage, insurance, and education sectors; Rocket Solar, which connect homeowners with digital financing solutions through a team of trained solar advisors; Truebill, a personal finance app that helps clients manage every aspect of their financial lives; Lendesk, a technology services company that provides a point of sale system for mortgage professionals and a loan origination system for private lenders; and Edison Financial, a digital mortgage broker. In addition, the company originates, closes, sells, and services agency-conforming loans. Rocket Companies, Inc. was founded in 1985 and is headquartered in Detroit, Michigan. Rocket Companies, Inc. operates as a subsidiary of Rock Holdings, Inc.

 


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VALUATION

P/E

171.46

Market Cap ($M USD)

$40.98B

Forward P/E

11.38

PEG

0.01

PRICE TO SALES

4.83

PRICE TO BOOK

1.77

EV / EBITDA

40.45

5-Year Average P/E

Free Cash Flow Yield

-3.40%

DCF Value

$1.46

Graham Number

$3.95

Price to FCF

-29.42

EV to FCF

-50.23

Earnings Yield

0.58%

FCF Yield

-3.40%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

97.48%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$0.08

Next Year EPS Growth Estimate

$1.28

Next Year Revenue Growth Estimate

$14.22B

Return on Equity (ROE)

1.53%

FREE CASH FLOW

Operating Margin

15.59%

Debt-to-Equity

0.00

Piotroski F-Score

2

Altman Z-Score

1.00

Return on Invested Capital (ROIC)

2.22%

Current Ratio

0.00

Quick Ratio

0.00

Net Debt to EBITDA

16.76

Interest Coverage

1.25

Gross Profit margin

90.17%

FCF PER SHARE

$-0.49

REVENUE PER SHARE

$3.00

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Gainseekers Quantitative Analysis

Summary

RKT Rocket Companies, Inc. appears to be a classic case of market mispricing. Despite a staggering market cap, the stock traded significantly below its DCF Value and Graham Number, suggesting potential undervaluation. However, the sky-high Price/Earnings ratio juxtaposed with a low Forward P/E hints at anticipated growth, yet the Altman Z-score of 1.05 raises red flags about financial distress. The Earnings Yield is a meager 0.54%, indicating limited immediate returns. Overall, the financial health is precarious, with a need for cautious optimism.

AI Exposure / Tech Reliance

Operating in the financial services sector, Rocket Companies is well-positioned to leverage AI advancements in mortgage processing and customer service automation. The industry's shift towards digital solutions aligns with Rocket's tech-driven business model. This adaptability could enhance efficiency and customer experience, crucial for staying competitive.

The Bull Case

For the value-driven investor, Rocket Companies offers intriguing prospects. The Forward PEG ratio of 0.008 suggests potential undervaluation relative to growth, while the Operating Margin of 15.59% indicates solid pricing power. Despite a low Piotroski F-Score of 2, the company's ability to generate returns with an ROIC of 2.22% shows some capital efficiency. These factors could appeal to those seeking growth at a reasonable price.

The Bear Case

However, the bear case is compelling. The Price/Sales ratio of 5.23 and Price/Book of 1.91 suggest overvaluation, especially with an EV to EBITDA of 42.37. The negative FCF Yield and Price to FCF ratio highlight severe cash flow issues, compounded by a Net Debt to EBITDA ratio of 16.76. With a Piotroski F-Score of 2, the company's operational efficiency is questionable, and its proximity to the 52-week low indicates potential technical weakness.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$21.63

Institutional Ownership %

1-Year Beta

2.25

Insider Buying % (6 Mo)

Distance to 52-Week High

67.88%

Distance to 52-Week Low

15.58%

EARNINGS SURPRISE %

30.43%

50-DAY SMA

$14.61

200-DAY SMA

$17.59

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.