Stocks / Finance · Consumer finance

RKT

Rocket Companies RKT

Finance · Consumer finance

$12.80+7.38% dayFri Oct 30 close

Outside our quality screen, so we don’t track its dips. It’s 45% below its 52-week high.

Outside our quality screen. No fair value estimate for now: our model doesn’t fit it reliably.

Outside our quality screen

Get alerts

Fair value est.: n/a
Market Value: forming
Off 52-wk high: −45%
Risk vs market: Highbeta 2.09

2 bullish · 5 bearish See why

Drag across the chart to see any day

Covered for reference — doesn’t pass our quality screen (ROE under 12% and ROIC under 10%). We show its price, Market Value and DCF, but it never appears in Dips, Top Picks or reversal signals. The screen

Key levels

Every level vs today’s $12.80

52-wk lowlowest close, 1 year$10.53−17.7%
PriceFri Oct 30 close$12.80you are here
52-wk highhighest close, 1 year$23.44+83.1%

Fair value estimate

Estimate unreliable for RKT: earnings swing too much for a book-value model (return on equity ranged from -3% to 53% across FY2021–2025 and the latest 12 months). We’d rather show nothing than a made-up number.

Risk vs market

How risk vs market is measured

One year of daily returns (Oct 30 to Oct 30, 252 sessions). Beta = how much RKT moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.

High

Swings much more than the market, and its own price swings are 4.5× the S&P 500’s.

Beta vs S&P 500: 2.09
Volatility: 58% vs 13% SPY
Correlation SPY: 0.46
Correlation QQQ: 0.36

Bull vs bear

Rule-based from the data on this page, strongest first. Not advice.

Top bullish points 2 of 5

GrowthSales grew 90% to $11.5B over the last 12 months vs the 12 months before (SEC filings).
ValuationPrice / book of 1.4×, below the 1.8× median for the 143 Finance companies we cover.

Top bearish points 5 of 5

Cash returnsShare count up 35.1% in a year: existing holders are being diluted.
ValuationP/E of 25.9× vs a 13.5× median for the 151 Finance companies we cover.
ProfitabilityReturn on equity is only 8% over the last 12 months.
QualityDoesn’t pass our quality screen: ROE under 12% and ROIC under 10%.
RiskSwings hard: beta 2.09 vs the S&P 500 and 58% yearly volatility (SPY 13%).

Who’s talking about it

Notable investors, executives, analysts and public figures on Rocket Companies in the last 48 hours. Headlines as published, each linked. Their words, not ours.

No notable mentions in the last 48 hours. Checked Nov 1, 9:09 PM ET.

Compare with peers

Closest in size in Consumer finance

CompanyPrice1 yearvs fair valueP/EMkt cap

COINCoinbase Global$143.54−10.6%−56%n/an/a$42B AFRMAffirm$73.47−1.8%+7%n/a13.2×$25B SYFSynchrony Financial$75.35−2.1%+2%+30%7.2×$24B SOFISoFi Technologies$16.76−4.8%−42%n/a35.7×$23B EFXEquifax$184.60+2.9%−13%−6%29.3×$21B CRCLCircle Internet Group$72.54−9.3%−41%n/a45.0×$20B

All fundamentals

P/E 25.9 · ROE 8% · Sales +90%

Valuation

P/E: 25.9×Finance median 13.5×
Price / FCF: n/acash flow isn't a clean measure for a lender
FCF yield: n/acash flow isn't a clean measure for a lender
EV / EBITDA: n/anot meaningful for a lender
Price / sales: 2.95×
Price / book: 1.39×
Market cap: $33.8Blisted
Enterprise value: $41.8B

Growth

Revenue, 12 months: $11.5B
Sales growth, 12 months: +90.4%vs the 12 months before
Sales growth, 3 yrs: +4.7%/yrfrom FY2022
Diluted EPS, 12 months: $0.55
EPS growth, last FY: n/afewer than two years of diluted EPS
Net income, 12 months: $1.3B
Net income growth: n/anot reported in its SEC filings

Profitability

Gross margin: n/anot meaningful for a lender
Operating margin: n/anot reported in its SEC filings
Net margin: 11.4%
FCF margin: 10.1%
Return on equity: 8%
Return on invested capital: n/anot meaningful for a lender

Balance sheet

Cash & short-term inv.: $2.7B
Total debt: $10.7B
Net cash: n/anot meaningful for a lender
Debt / equity: n/adeposits/float make debt/equity not comparable for a lender
Interest coverage: n/anot meaningful for a lender

Cash flow & returns

Free cash flow, 12 months: $1.2B
FCF growth, 12 months: n/anot reported in its SEC filings
Dividend yield: 0%
Payout ratio: n/anot reported in its SEC filings
Buybacks, 12 months: n/anot reported in its SEC filings
Share count, 1 year: +35.1%diluted shares vs a year ago
Stock-based comp: $440M

Trailing 12 months to Sep 30, 2026; balance sheet at Sep 30, 2026. From Rocket Companies’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.

Valuation details

How

Market ValueForming: thesis-changing filing on Oct 29, needs five trading days

forming

Fair value estimaten/a — Financials model: earnings swing too much for a book-value model (return on equity ranged from -3% to 53% across FY2021–2025 and the latest 12 months)

n/a

FCF valueNot meaningful for banks and insurers

n/a

Setup & signals

No setup armed

All setups

No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.

Momentum & 52-week range

RSI 62 · 5 days +9.1%

$12.80now

52-wk low $10.53high $23.44

Off 52-wk high−45.4%

5 days+9.1%

vs 50-day avg+3.5%

vs 200-day avg−12.8%

RSI (14)62

Market cap$34B

The business

FCF $-2.9B · Sales +86%

Free cash flow, 12 months−$2.9B
Free-cash-flow yield−8.4%
Return on equity8%
Sales growth (latest quarter vs year-ago quarter)+86%

Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.

RKT is outside our quality screen

One text when a published rule fires on one of the 333 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.