Stocks · Financial Services · Financial - Mortgages
Rocket Companies, Inc. RKT
$11.68 -0.17% Close, Oct 5, 2026 · NYSE · Market cap $33.04B
Strong growthWeak trendHigh risk
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $9.67B, up 88.2% from a year earlier, accelerating from 67.3% a quarter earlier.
- Operating margin widened to 20.2% from -0.4% a year earlier.
- The diluted share count rose 38.4% in a year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 4%
- Revenue growth, 3-year CAGRBottom 16%
- Revenue growth accelerationTop 5%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 42%
- Gross marginTop 6%
- Operating marginBottom 47%
- Cash conversion (OCF / net income)Bottom 6%
- Accruals (lower is better)Bottom 20%
- Net debt / EBITDA (lower is better)Bottom 9%
- Interest coverTop 37%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 17%
- Free-cash-flow yieldBottom 12%
- EBITDA / enterprise valueBottom 34%
- Sales / enterprise valueBottom 19%
- P/E vs own 5-year history (lower is better)Top 27%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 9%
- 6-month returnBottom 5%
- 1-year return vs S&P 500Bottom 8%
- Distance from 52-week highBottom 5%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 11%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetTop 9%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 11%
- Maximum drawdown, 3 yearsBottom 16%
- Beta vs S&P 500 (lower is better)Top 42%
- Net debt / EBITDA (lower is better)Bottom 9%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 67.3% | 88.2% | ↑ |
| Gross margin | 90.1% | 89.9% | ↓ |
| Operating margin | -0.4% | 20.2% | ↑ |
| FCF margin | -52.0% | -8.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 88.2% | 67.3% | ↑ | Top 4% |
| Gross margin | 89.9% | 90.1% | ↓ | Top 6% |
| Operating margin | 20.2% | -0.4% | ↑ | Bottom 47% |
| Net margin | 4.9% | -0.0% | ↑ | — |
| Free-cash-flow margin | -8.0% | -52.0% | ↑ | — |
| Return on invested capital | 2.3% | — | Top 42% | |
| Revenue growth, 3-year CAGR | 4.6% | — | Bottom 16% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -1.35×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 5.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +9902.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 12.14×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.01%
- Net buyback yield (TTM)
- 0.51%
- Shareholder yield
- 0.52%
- Share count change, 1 year
- +38.4%
- Share count change, 3-year CAGR
- +12.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +26.6%
- Average 2-day reaction, last 8
- -1.2%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $18.63
- Target vs current price
- +59.5%
- Analysts with a rating
- 27
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | -2.6% | -4.6% | +1.4% | -2.2% | — |
| May 7, 2026 | +30.4% | -3.4% | -5.5% | -9.7% | -6.6% |
| Feb 26, 2026 | +22.8% | +2.5% | -4.0% | -17.5% | -20.0% |
| Oct 30, 2025 | +55.8% | -1.8% | +0.4% | +21.6% | +29.5% |
| Jul 31, 2025 | +46.5% | +0.8% | +23.6% | +23.3% | +20.1% |
| May 8, 2025 | +4.2% | +0.3% | +8.4% | +10.2% | +45.3% |
| Feb 27, 2025 | +45.2% | -1.9% | +13.9% | +1.1% | -3.9% |
| Nov 12, 2024 | -0.1% | -1.3% | -14.7% | -20.1% | -18.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $0.16 | $0.16 | -2.6% | $2.78B |
| May 7, 2026 | $0.15 | $0.12 | +30.4% | $2.94B |
| Feb 26, 2026 | $0.11 | $0.09 | +22.8% | $2.69B |
| Oct 30, 2025 | $0.07 | $0.04 | +55.8% | $1.56B |
| Jul 31, 2025 | $0.04 | $0.03 | +46.5% | $1.30B |
| May 8, 2025 | $0.04 | $0.04 | +4.2% | $1.10B |
| Feb 27, 2025 | $0.04 | $0.03 | +45.2% | $1.72B |
| Nov 12, 2024 | $0.08 | $0.08 | -0.1% | $748.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 80.0× | 115.0× | 31th | Bottom 17% |
| P/E (forward) | 19.0× | — | — | — |
| EV / EBITDA | 25.5× | — | — | Bottom 34% |
| EV / Sales | 6.53× | — | — | Bottom 19% |
| Free-cash-flow yield | -2.34% | — | — | Bottom 12% |
| Earnings yield | 1.25% | — | — | Bottom 17% |
P/E over the past five years
Range 6.8× – 341.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -5.8%
- 200-day average slope (20 days)
- -3.9%
- Distance from 50-day average
- -12.5%
- Distance from 200-day average
- -24.8%
- RSI (14)
- 37.8
- Relative volume
- 0.72×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 47.8%
- Volatility vs own 5-year history
- 30th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.63
- Correlation with S&P 500
- 0.17
- Current drawdown from 1-year high
- -50.2%
- Maximum drawdown, 3 years
- -50.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 2, 2021 | Oct 20, 2022 | -84.9% | 414 days | Not yet recovered |
| Oct 13, 2020 | Oct 30, 2020 | -22.7% | 13 days | 81 days (Mar 1, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $33.04B
- P/E (TTM)
- 80.0
- EPS, diluted (TTM)
- $0.15
- Revenue (TTM)
- $9.67B
- 52-week range
- $11.25 – $24.36
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $13.18B | $6.00B | $4.01B | $5.40B | $6.88B |
| Gross profit | $12.68B | $5.68B | $3.65B | $4.93B | $6.30B |
| Operating income | $6.18B | $741.9M | -$402.9M | $668.1M | $600.0M |
| Net income | $308.2M | $46.4M | -$15.5M | $29.4M | -$68.0M |
| EPS (diluted) | $0.15 | $0.02 | -$0.01 | $0.01 | -$0.03 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $748.8M | $1.84B | $1.10B | $1.45B | $1.79B | $2.50B | $2.74B | $2.64B |
| Net income | -$22.0M | $33.9M | -$10.4M | -$1.8M | -$123.9M | $68.0M | $297.0M | $230.0M |
| EPS (diluted) | -$0.01 | $0.02 | -$0.01 | -$0.00 | -$0.06 | $0.02 | $0.10 | $0.08 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $7.74B | $10.82B | $110.3M | -$2.63B | -$3.93B |
| Capital expenditure | -$302.8M | -$107.8M | -$60.3M | -$805.1M | -$91.0M |
| Free cash flow | $7.44B | $10.72B | $50.0M | -$3.43B | -$4.02B |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$189.6M | -$139.9M | $24.9M | $21.8M | -$186.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.10B
- Total assets
- $60.98B
- Total liabilities
- $37.43B
- Total debt
- $33.18B
- Net debt
- $30.08B
- Shareholders’ equity
- $23.55B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Mar 20, 2025 | $0.80 | Apr 3, 2025 |
| Mar 7, 2022 | $1.01 | Mar 22, 2022 |
| Mar 8, 2021 | $1.11 | Mar 23, 2021 |
Short interest
- Shares sold short
- 122,111,727
- Days to cover
- 5.12
- Change vs previous report
- +11.7%
FINRA short interest, settlement date Sep 15, 2026.