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Rocket Companies, Inc.(RKT)Earnings, Financials & Key Ratios
RKT•NYSE•Banking & Credit
Price updated Jun 19, 2026
SectorFinancial ServicesIndustryMortgage FinanceSub-IndustryConsumer mortgage originators and brokers
AboutRocket 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.Show more
- Net Interest Income-$313M-458.2%
- Total Revenue$6.88B+27.4%
- Net Income-$68M-331.5%
- Return on Equity-0.43%-225.7%
- Net Interest Margin-0.52%-125.5%
- Efficiency Ratio82.85%+4.9%
- ROA-0.16%-218.8%
- Equity / Assets37.73%+2.3%
- Book Value per Share9.25+110.3%
RKT Key Insights
Rocket Companies, Inc. (RKT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 37.7% equity/assets
- ✓Diversified revenue: 92.7% from non-interest income
✗Weaknesses
- ✗Weak Piotroski F-Score: 2/9
- ✗Weak NIM of -0.5%
- ✗High cost structure: 82.8% efficiency ratio
- ✗Shares diluted 20.4% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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RKT Price & Volume
Rocket Companies, Inc. (RKT) stock price & volume — 10-year historical chart
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RKT Growth Metrics
Rocket Companies, Inc. (RKT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-15.42%
3 Years4.64%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM8534.96%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM6320%
Return on Capital
10 Years16.44%
5 Years8%
3 Years1.1%
Last Year1.58%
RKT Recent Earnings
Rocket Companies, Inc. (RKT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.15+30.4%
$0.12
Rev
$2.9B+6.7%
$2.8B
Q1 2026
Feb 26, 2026Metric
Actual
Est
EPS
$0.11+22.8%
$0.09
Rev
$2.7B+21.1%
$2.2B
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.07+55.8%
$0.04
Rev
$1.6B-6.5%
$1.7B
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$0.04+46.5%
$0.03
Rev
$1.3B+2.1%
$1.3B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.15vs $0.12+30.4% | $2.9Bvs $2.8B+6.7% |
| Q1 2026 | Feb 26, 2026 | $0.11vs $0.09+22.8% | $2.7Bvs $2.2B+21.1% |
| Q4 2025 | Oct 30, 2025 | $0.07vs $0.04+55.8% | $1.6Bvs $1.7B-6.5% |
| Q3 2025 | Jul 31, 2025 | $0.04vs $0.03+46.5% | $1.3Bvs $1.3B+2.1% |
Based on last 12 quarters of dataView full earnings history →
RKT Peer Comparison
Rocket Companies, Inc. (RKT) competitors in Consumer mortgage originators and brokers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 UWMC | 345.31M | 2.22 | 18.50 | 65.83% | 1.16% | 1.67% | 9.06 | |
 PFSI | 4.3B | 82.38 | 8.86 | 173.81% | 14.31% | 12.02% | 5.35 | |
 GHLD | 439.06M | 20.01 | 12.83 | 60.87% | 9.71% | 10.27% | 2.42 | |
 LDI | 391.98M | 1.17 | -3.90 | 37.59% | -5.42% | -19.61% | 13.05 | |
 WAL | 8.77B | 79.81 | 9.14 | 5.17% | 18.3% | 12.81% | 0.82 | |
 TREE | 541.35M | 39.07 | 3.62 | 24.12% | 15.02% | 85.96% | 1.52 | |
 NRDS | 610.08M | 8.38 | 13.09 | 21.67% | 8.11% | 18.34% | ||
 FNF | 12.6B | 46.82 | 21.19 | 8.61% | 5.15% | 8.5% | 0.53 |
Compare RKT vs Peers
Rocket Companies, Inc. (RKT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RKT Income Statement
Rocket Companies, Inc. (RKT) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | -28.42M | -21.02M | -102.23M | -61.8M | 30.61M | -32.53M | -56.07M | -313M | -144.61M |
NII Growth % | - | 26.04% | -386.37% | 39.55% | 149.53% | -206.27% | -72.39% | -458.22% | 187.23% |
Net Interest Margin % | -0.25% | -0.1% | -0.27% | -0.19% | 0.15% | -0.17% | -0.23% | -0.52% | -0.24% |
Interest Income | 200.93M | 250.75M | 329.59M | 430.09M | 350.59M | 327.45M | 413.16M | 501M | 915.96M |
Interest Expense | 229.35M | 271.77M | 431.82M | 491.89M | 319.98M | 359.97M | 469.23M | 814M | 1.06B |
Loan Loss Provision | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -234M | -227.63M |
Non-Interest Income | 4.11B | 4.95B | 15.57B | 12.75B | 5.65B | 3.68B | 4.99B | 6.38B | 7.56B |
Non-Interest Income % | 95.34% | 95.18% | 97.93% | 96.74% | 94.16% | 91.83% | 92.35% | 92.72% | 89.19% |
Total Revenue | 4.31B▲ 0% | 5.2B▲ 20.8% | 15.9B▲ 205.4% | 13.18B▼ 17.1% | 6B▼ 54.4% | 4.01B▼ 33.3% | 5.4B▲ 34.8% | 6.88B▲ 27.4% | 8.48B▲ 0% |
Revenue Growth % | - | 20.77% | 205.45% | -17.11% | -54.42% | -33.29% | 34.84% | 27.37% | 328.71% |
Non-Interest Expense | 3.46B | 4.03B | 5.93B | 6.5B | 4.94B | 4.05B | 4.26B | 5.7B | 6.32B |
Efficiency Ratio | 80.33% | 77.4% | 37.32% | 49.32% | 82.32% | 101.07% | 78.94% | 82.85% | 74.59% |
Operating Income | 618.1M▲ 0% | 904.44M▲ 46.3% | 9.53B▲ 953.9% | 6.18B▼ 35.1% | 741.91M▼ 88.0% | -402.9M▼ 154.3% | 668.05M▲ 265.8% | 600M▼ 10.2% | 1.32B▲ 0% |
Operating Margin % | 14.34% | 17.38% | 59.96% | 46.94% | 12.36% | -10.06% | 12.37% | 8.72% | 15.59% |
Operating Income Growth % | - | 46.32% | 953.87% | -35.11% | -88% | -154.31% | 265.81% | -10.19% | - |
Pretax Income | 618.1M▲ 0% | 904.44M▲ 46.3% | 9.53B▲ 953.9% | 6.18B▼ 35.1% | 741.91M▼ 88.0% | -402.9M▼ 154.3% | 668.05M▲ 265.8% | -214M▼ 132.0% | 409.07M▲ 0% |
Pretax Margin % | 14.34% | 17.38% | 59.96% | 46.94% | 12.36% | -10.06% | 12.37% | -3.11% | 4.83% |
Income Tax | 3.24M | 7.31M | 132.38M | 112.74M | 41.98M | -12.82M | 32.22M | 20M | 133.66M |
Effective Tax Rate % | 0.52% | 0.81% | 1.39% | 1.82% | 5.66% | 3.18% | 4.82% | -9.35% | 32.67% |
Net Income | 0▲ 0% | 0▲ 0% | 197.95M▲ 0% | 308.21M▲ 55.7% | 46.42M▼ 84.9% | -15.51M▼ 133.4% | 29.37M▲ 289.3% | -68M▼ 331.5% | 239.36M▲ 0% |
Net Margin % | 0% | 0% | 1.25% | 2.34% | 0.77% | -0.39% | 0.54% | -0.99% | 2.82% |
Net Income Growth % | - | - | - | 55.7% | -84.94% | -133.42% | 289.31% | -331.53% | 8534.96% |
Net Income (Continuing) | 614.86M | 897.13M | 9.4B | 6.07B | 699.93M | -390.08M | 635.83M | -234M | 275.45M |
EPS (Diluted) | 0.00▲ 0% | 0.00▲ 0% | 1.83▲ 0% | 0.15▼ 91.8% | 0.02▼ 84.3% | -0.01▼ 133.1% | 0.01▲ 283.3% | -0.03▼ 292.3% | 0.08▲ 0% |
EPS Growth % | - | - | - | -91.8% | -84.27% | -133.05% | - | -292.31% | 6320% |
EPS (Basic) | 0.00 | 0.00 | 1.77 | 2.36 | 0.39 | -0.12 | 0.21 | -0.03 | - |
Diluted Shares Outstanding | 101.21M | 101.21M | 116.24M | 1.99B | 1.97B | 1.98B | 2.05B | 2.47B | 2.85B |
RKT Balance Sheet
Rocket Companies, Inc. (RKT) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 1.59B | 2.15B | 7.67B | 4.05B | 722.29M | 1.11B | 1.27B | 2.7B | 16.31B |
Cash & Due from Banks | 1.05B | 1.39B | 1.97B | 2.13B | 722.29M | 1.11B | 1.27B | 2.7B | 2.69B |
Short Term Investments | 534.11M | 752.44M | 5.7B | 1.92B | 0 | 0 | 0 | 0 | 0 |
Total Investments | 6.57B | 14.75B | 30.48B | 21.84B | 7.5B | 6.9B | 9.52B | 0 | 734M |
Investments Growth % | - | 124.59% | 106.71% | -28.35% | -65.67% | -7.91% | 37.82% | -100% | -166.14% |
Long-Term Investments | 6.03B | 13.99B | 24.78B | 19.92B | 7.5B | 6.9B | 9.52B | 0 | 24.28B |
Accounts Receivables | 245.66M | 0 | 406.05M | 0 | 10.8M | 0 | 0 | 0 | 1.62B |
Goodwill & Intangibles | 3.23B | 2.92B | 2.91B | 6.68B | 8.21B | 7.68B | 8.86B | 12.84B | 12.72B |
Goodwill | 46.98M | 40.26M | 47.23M | 1.3B | 1.26B | 1.24B | 1.23B | 10.61B | 10.61B |
Intangible Assets | 3.18B | 2.87B | 2.86B | 5.39B | 6.95B | 6.44B | 7.63B | 2.22B | 2.11B |
PP&E (Net) | 202.56M | 455.37M | 449.71M | 682.27M | 640.38M | 598.55M | 495.62M | 260M | 273M |
Other Assets | 180.81M | 208.83M | 619.01M | 180.36M | 1.85B | 1.72B | 3.06B | 0 | 41.4B |
Total Current Assets | 1.91B | 2.55B | 8.25B | 4.74B | 1.35B | 1.78B | 2.06B | 4.74B | 4.31B |
Total Non-Current Assets | 9.64B | 17.57B | 29.28B | 28.04B | 18.73B | 17.45B | 22.45B | 13.1B | 55.13B |
Total Assets | 11.55B▲ 0% | 20.08B▲ 73.8% | 37.53B▲ 87.0% | 32.77B▼ 12.7% | 20.08B▼ 38.7% | 19.23B▼ 4.2% | 24.51B▲ 27.4% | 60.69B▲ 147.6% | 59.44B▲ 0% |
Asset Growth % | - | 73.78% | 86.95% | -12.68% | -38.73% | -4.23% | 27.45% | 147.59% | 345.04% |
Return on Assets (ROA) | - | - | 0.69% | 0.88% | 0.18% | -0.08% | 0.13% | -0.16% | 0.52% |
Accounts Payable | 92.68M | 157.4M | 251.96M | 271.54M | 116.33M | 171.35M | 181.71M | 285M | 0 |
Total Debt | 8.11B | 15.96B | 27.65B | 21.18B | 10.35B | 9.56B | 13.98B | 0 | 31.68B |
Net Debt | 7.06B | 14.56B | 25.68B | 19.05B | 9.63B | 8.45B | 12.7B | -2.7B | 28.99B |
Long-Term Debt | 3.87B | 5.2B | 7.05B | 9.22B | 4.85B | 4.53B | 4.76B | 0 | 31.68B |
Short-Term Debt | 4.24B | 10.44B | 20.33B | 11.48B | 5.07B | 4.63B | 8.89B | 0 | 0 |
Other Liabilities | 567.58M | 493.97M | 1.75B | 1.56B | 1.14B | 1.2B | 1.31B | 37.5B | 4.53B |
Total Current Liabilities | 4.33B | 10.6B | 20.58B | 11.75B | 5.19B | 4.81B | 9.08B | 285M | 0 |
Total Non-Current Liabilities | 4.44B | 6.01B | 9.07B | 11.26B | 6.42B | 6.12B | 6.39B | 37.5B | 36.21B |
Total Liabilities | 8.77B | 16.57B | 29.65B | 23.02B | 11.61B | 10.93B | 15.47B | 37.79B | 36.21B |
Total Equity | 2.78B▲ 0% | 3.5B▲ 26.0% | 7.88B▲ 125.0% | 9.76B▲ 23.8% | 8.48B▼ 13.2% | 8.3B▼ 2.1% | 9.04B▲ 8.9% | 22.9B▲ 153.2% | 23.23B▲ 0% |
Equity Growth % | - | 25.96% | 125.02% | 23.82% | -13.16% | -2.05% | 8.93% | 153.2% | 314.32% |
Equity / Assets (Capital Ratio) | 24.07% | 17.45% | 21% | 29.78% | 42.2% | 43.17% | 36.9% | 37.73% | 39.08% |
Return on Equity (ROE) | - | - | 3.48% | 3.49% | 0.51% | -0.18% | 0.34% | -0.43% | 1.53% |
Book Value per Share | 27.48 | 34.61 | 67.81 | 4.91 | 4.30 | 4.19 | 4.40 | 9.25 | 8.16 |
Tangible BV per Share | -4.41 | 5.81 | 42.78 | 1.55 | 0.14 | 0.32 | 0.09 | 4.07 | 3.69 |
Common Stock | 2.78B | 3.51B | 20K | 20K | 20K | 20K | 20K | 0 | 0 |
Additional Paid-in Capital | 0 | 0 | 282.74M | 287.56M | 276.22M | 340.53M | 389.69M | 0 | 22.81B |
Retained Earnings | 0 | 0 | 207.42M | 378M | 300.39M | 284.3M | 312.83M | 124M | 421M |
Accumulated OCI | -868K | -151K | 317K | 81K | 69K | 52K | -48K | 0 | 0 |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
RKT Cash Flow Statement
Rocket Companies, Inc. (RKT) cash flow — operating, investing & free cash flow history
| Metric | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 1.43B | -6.98B | -1.68B | 7.74B | 10.82B | 110.33M | -2.63B | -3.93B | -1.27B |
Operating CF Growth % | - | -587.62% | 75.96% | 561.67% | 39.77% | -98.98% | -2483.09% | -49.36% | -1149.89% |
Net Income | 614.86M | 897.13M | 9.4B | 6.07B | 699.93M | -15.51M | 635.83M | -234M | 239.36M |
Depreciation & Amortization | 76.92M | 74.95M | 74.32M | 74.71M | 94.02M | 110.27M | 112.92M | 290M | 354.51M |
Deferred Taxes | -1.97B | 0 | 66.53M | 48.32M | 36.17M | -17.78M | 29.35M | 12M | 52.12M |
Other Non-Cash Items | 2.79B | -8.03B | -11.21B | 1.25B | 10.23B | 26.41M | -3.69B | -4.84B | -3.1B |
Working Capital Changes | -113.16M | 35.48M | -138.76M | 136.65M | -452.61M | -173.19M | 133.17M | 502M | 838.51M |
Cash from Investing | -94.48M | 71.89M | 517.2M | -664.85M | 578.74M | 861.15M | -495.47M | -2.53B | -2.27B |
Purchase of Investments | -28.15M | 0 | -2.5M | -39.9M | -14.64M | -5.47M | 0 | -550M | -493.67M |
Sale/Maturity of Investments | 27.63M | 136.82M | 565.53M | 0 | 2.06M | 6.48M | 0 | 430M | 689.76M |
Net Investment Activity | -521K | 136.82M | 563.03M | -39.9M | -12.59M | 1.01M | 0 | -120M | 196.09M |
Acquisitions | -28.15M | 0 | -565.53M | -1.23B | 14.64M | 0 | 0 | -2.32B | -2.24B |
Other Investing | -1.33M | -16.08M | 626.05M | 727.73M | 684.45M | 920.48M | -427.96M | 2M | -133.41M |
Cash from Financing | -1.67B | 7.23B | 1.76B | -6.92B | -12.82B | -623.56M | 3.28B | 8.1B | 5.09B |
Dividends Paid | 0 | 0 | 0 | 0 | -2B | 0 | 0 | 0 | -233.32M |
Share Repurchases | 0 | 0 | 0 | -231.58M | -177.7M | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 1.75B | 41.98M | 37.76M | 24.88M | 40.6M | -186M | -175.09M |
Net Stock Activity | 0 | 0 | 1.75B | -189.6M | -139.94M | 24.88M | 40.6M | -186M | -175.09M |
Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 2M |
Other Financing | -706.85M | 114.24M | -6.74B | -3.99B | -182.77M | 2.37M | 9.17M | -105M | 79.31M |
Net Change in Cash | -337.06M▲ 0% | 319.4M▲ 194.8% | 598.38M▲ 87.3% | 157.49M▼ 73.7% | -1.42B▼ 1003.2% | 347.73M▲ 124.4% | 152.49M▼ 56.1% | 1.65B▲ 978.8% | 1.31B▲ 0% |
Exchange Rate Effect | -1.06M | 877K | 885K | -115K | -949K | -191K | -1.36M | 1M | -237.33M |
Cash at Beginning | 1.47B | 1.14B | 1.46B | 2.05B | 2.21B | 789.1M | 1.14B | 1.29B | 2.93B |
Cash at End | 1.14B | 1.46B | 2.05B | 2.21B | 789.1M | 1.14B | 1.29B | 2.93B | 2.97B |
Interest Paid | 1.68M | 261.39M | 3.49M | 429.76M | 6.41M | 0 | 1.73M | 0 | 0 |
Income Taxes Paid | 515K | 10.97M | 55.7M | 76.63M | 12.54M | 0 | 5.66M | 0 | 0 |
Free Cash Flow | 1.37B▲ 0% | -7.03B▼ 614.2% | -1.78B▲ 74.6% | 7.44B▲ 517.2% | 10.72B▲ 44.0% | 49.99M▼ 99.5% | -3.43B▼ 6969.7% | -4.02B▼ 17.0% | -1.39B▲ 0% |
FCF Growth % | - | -614.2% | 74.62% | 517.17% | 44.01% | -99.53% | -6969.66% | -16.99% | -10.81% |
RKT Banking Ratios
Rocket Companies, Inc. (RKT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | - | 3.48% | 3.49% | 0.51% | -0.18% | 0.34% | -0.43% | 1.53% |
Return on Assets (ROA) | - | 0.69% | 0.88% | 0.18% | -0.08% | 0.13% | -0.16% | 0.52% |
Net Interest Margin | -0.1% | -0.27% | -0.19% | 0.15% | -0.17% | -0.23% | -0.52% | -0.24% |
Efficiency Ratio | 77.4% | 37.32% | 49.32% | 82.32% | 101.07% | 78.94% | 82.85% | 74.59% |
Equity / Assets | 17.45% | 21% | 29.78% | 42.2% | 43.17% | 36.9% | 37.73% | 39.08% |
Book Value / Share | 34.61 | 67.81 | 4.91 | 4.3 | 4.19 | 4.4 | 9.25 | 8.16 |
NII Growth | 26.04% | -386.37% | 39.55% | 149.53% | -206.27% | -72.39% | -458.22% | -120.85% |
Dividend Payout | - | - | - | - | - | - | - | 97.48% |
Related:RKT Dividend History·RKT Revenue History·RKT Price History·RKT P/E History·RKT Financial Ratios·RKT Institutional Holders
RKT SEC Filings & Documents
Rocket Companies, Inc. (RKT) SEC filings — annual & quarterly reports (10-K, 10-Q)
RKT Frequently Asked Questions
Rocket Companies, Inc. (RKT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Rocket Companies, Inc. (RKT) grew revenue by 27.4% over the past year. This is strong growth.
Yes, Rocket Companies, Inc. (RKT) is profitable, generating $239.4M in net income for fiscal year 2025 (-1.0% net margin).
Dividend & Returns
Rocket Companies, Inc. (RKT) has a return on equity (ROE) of -0.4%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Rocket Companies, Inc. (RKT) has a net interest margin (NIM) of -0.5%. NIM has been under pressure due to interest rate environment.
Rocket Companies, Inc. (RKT) has an efficiency ratio of 82.8%. This is higher than peers, suggesting room for cost optimization.