Rocket Companies, Inc. (RKT) Stock Analysis
P/E 144.98×· 5Y range 4.83–11,121.87×· 42th percentile of history
Sector: Financial Services · Industry: Mortgage Bankers & Loan Correspondents
AnalystsBuy22 analystsRisks
- ⚠Altman Z 0.7 — distress-zone balance sheet
- ⚠Negative FCF margin (-0.2%) — burning cash
- ⚠2 loss-making years in recent history
- ⚠Interest coverage 1.1× — thin debt cushion
- ⚠Revenue shrinking 15.1%/yr
What's happening with RKT
Price History
5-Year Weekly Candlestick Chart
Profile
earnings quality, profitability, growth, financial health and valuation lag behind.
How is each axis scored?
- Valuation42/100 · Weak
- P/E vs own history (42th pct)12/25
- FCF yield (-4.0%)0/25
- P/S (4.0x)20/25
- EV/EBIT (n/a)10/25
- Growth25/100 · Weak
- Revenue CAGR (-15.1%)0/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (633.5%)25/25
- Profitability21/100 · Weak
- ROIC (1.6%)5/25
- ROE (1.0%)5/25
- Net margin (2.8%)6/25
- Operating margin (4.8%)5/25
- Financial Health31/100 · Weak
- Altman Z (0.66)3/25
- Current ratio (0.21)0/25
- Interest coverage (1.1x)3/25
- Net cash / debt (Net cash)25/25
- Quality20/100 · Weak
- Piotroski F (0/9)0/25
- Beneish M (-2.43)20/25
- FCF conversion (-582%)0/25
- Margin stability (σ 32.2%)0/25
About Rocket Companies, Inc.
Rocket Companies is a financial services company that was originally founded as Rock Financial in 1985 and is currently based in Detroit. Show more
Rocket Companies offers a wide array of services and products but is best known for its Rocket Mortgage business. The company's mortgage lending operations are split between its direct-to-consumer lending, which sees borrowers accessing the company's lending arm directly through either its mobile app or website, and its partner network where mortgage brokers and other firms use Rocket's origination process to offer loans to their customers. The company has rapidly gained market share in recent years and will also be the largest mortgage servicer in the US following its acquisition of the Mr. Cooper Group.
Headquarters: DETROIT, MI · Employees: 23,500 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- SellOpen market sale · filed 2026-09-16-225000 sh2026-09-15
- SellTax withholding · filed 2026-09-09-14675 sh2026-09-08
- SellTax withholding · filed 2026-09-09-58259 sh2026-09-08
- SellTax withholding · filed 2026-09-09-61315 sh2026-09-07
- SellTax withholding · filed 2026-09-09-12009 sh2026-09-07
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
42D+P/E (TTM)145.0xD
Grade D: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 4.8x–11121.9x · 42nd pct
P/FCF19.0xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield-4.0%D
Grade D: NegativeTTM FCF / Market Cap — vs own 5Y history: -103.9%–268.2% · 35th pct
P/S (TTM)4.01xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 0.1x–8.3x · 64th pct
EV/EBITDA22.5xC
Grade C: ExpensiveEnterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales6.3xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E19.8xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.49xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio—
Finnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio266.3%D
Grade D: UnsustainableDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
21EROIC1.6%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE1.0%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin2.8%D
Grade D: LowNet Income / Revenue
Operating Margin4.8%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin4.8%D
Grade D: LowGross Profit / Revenue
FCF Margin-16.2%D
Grade D: LowFCF / Revenue
True FCF Margin-20.7%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
31DAltman Z-Score0.66D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.21xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.20xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage1.1xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity1.46xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Growth
25ERevenue CAGR-15.1%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth633.5%A
Grade A: HighImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)+2233.4%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income163.3%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue4.5%C
Grade C: MedTTM stock-based comp / TTM Revenue
Quality
2/6 Loss Years20EPiotroski F-Score0/9D
Grade D: WeakFinancial strength 0–9. >7 Strong
Beneish M-Score-2.43A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion-581.9%D
Grade D: PoorFCF / Net Income
Margin Stability32.2%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue1.4%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.12xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$0.08
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$0.96
Cash & short-term investments per share (Finnhub)
Book Value / Share$8.13
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$2.69B
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$23.23B
Shareholders' equity (book value)
Asset / Liability1.64xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$34.52B
Current Market Capitalization
Beta2.31D
Grade D: High volatilityPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Company is effectively debt-free after netting cash. · Current P/E of 145.0x sits at the 42nd percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 26, 2026
Key Insights: Rocket Companies, Inc. (RKT)
Rocket Companies, Inc. meets only 0 of 9 Piotroski F-Score criteria — a sign of weak underlying fundamentals. Altman Z-Score of 0.66 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.43 suggests a low likelihood of earnings manipulation. Revenue has been contracting (CAGR ≈ -15%), which weighs on the growth outlook.
- Free-cash-flow margin is negative (-16%) — the business currently burns cash.
- Company is effectively debt-free after netting cash.
- Interest coverage of 1.1× leaves little room for earnings shocks.
- Rocket Companies, Inc. posted a net loss in 2 of 6 available completed fiscal years (2020–2025).
See how RKT ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for RKT in the last 30 days.
See RKT move history →Frequently Asked Questions about RKT
Is RKT stock a buy right now?
PreMarketPrice's quantitative model rates Rocket Companies, Inc.'s financial health at 31/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is RKT stock overvalued?
Rocket Companies, Inc. trades at a trailing P/E of 145.0 and our valuation score rates it 42/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Rocket Companies, Inc. report earnings?
No confirmed earnings date is currently scheduled for RKT. The Earnings section lists recent reports and updates as dates are announced.
What sector does Rocket Companies, Inc. operate in?
Rocket Companies, Inc. operates in the Financial Services sector, within the Mortgage Bankers & Loan Correspondents industry. The Related Stocks section lists sector peers for comparison.
What does Rocket Companies, Inc. do?
Rocket Companies is a financial services company that was originally founded as Rock Financial in 1985 and is currently based in Detroit.
About Rocket Companies, Inc. (RKT) Stock
Rocket Companies, Inc. (RKT) is a US-listed stock operating in the Financial Services sector, specifically the Mortgage Bankers & Loan Correspondents industry. Real-time pricing data for Rocket Companies, Inc. is available on this page with a market capitalization of $34.5 billion. The financial health score for RKT is 31/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for RKT stock.
RKT Stock Analysis & Key Metrics
On PreMarketPrice, you can track Rocket Companies, Inc. (RKT) across multiple dimensions:
- Pre-market price & movement: Real-time RKT stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for RKT with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Rocket Companies, Inc. across multiple reporting periods.
- Financial health score: A composite score of 31/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for RKT.
- Sector peers: Compare RKT against 10 other financial services stocks on key financial metrics.
Is RKT a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Rocket Companies, Inc. (RKT) as an investment. The financial health score of 31/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Rocket Companies, Inc. (RKT) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.