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Rocket Companies, Inc.(RKT)Earnings, Financials & Key Ratios
RKT•NYSE•Banking & Credit
$14.09
$1.99B mkt cap·67.1× P/E·Price updated May 6, 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-$56M-72.4%
- Total Revenue$5.4B+34.8%
- Net Income$29M+289.3%
- Return on Equity0.34%+283.2%
- Net Interest Margin-0.23%-35.3%
- Efficiency Ratio78.94%-21.9%
- ROA0.13%+270.2%
- Equity / Assets36.9%-14.5%
- Book Value per Share64.12+1429.7%
- Tangible BV/Share1.29+309.9%
- Debt/Equity1.55+34.2%
RKT Key Insights
Rocket Companies, Inc. (RKT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 36.9% equity/assets
- ✓Share count reduced 92.9% through buybacks
- ✓Diversified revenue: 92.4% from non-interest income
- ✓Trading at only 0.2x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 0.2%
- ✗Weak NIM of -0.2%
- ✗High cost structure: 78.9% efficiency ratio
- ✗Weak momentum: RS Rating 19 (bottom 19%)
- ✗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.
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 Years0.75%
3 Years-25.71%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-54.32%
TTM-574.89%
EPS CAGR
10 Years-
5 Years-
3 Years-55.1%
TTM9076.47%
Return on Capital
10 Years18.56%
5 Years22.11%
3 Years1.95%
Last Year4.47%
RKT Recent Earnings
Rocket Companies, Inc. (RKT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 8/12 qtrs (67%)
Q1 2026Latest
Feb 26, 2026EPS
$0.11
Est $0.09
+22.8%
Revenue
$2.7B
Est $2.2B
+21.1%
Q4 2025
Oct 30, 2025EPS
$0.07
Est $0.04
+55.8%
Revenue
$1.6B
Est $1.7B
-6.5%
Q3 2025
Jul 31, 2025EPS
$0.04
Est $0.03
+46.5%
Revenue
$1.3B
Est $1.3B
+2.1%
Q2 2025
May 8, 2025EPS
$0.04
Est $0.04
+4.2%
Revenue
$1.1B
Est $1.2B
-11.2%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | 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% |
| Q2 2025 | May 8, 2025 | $0.04vs $0.04+4.2% | $1.1Bvs $1.2B-11.2% |
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 | 724.07M | 3.43 | 28.54 | 65.83% | 0.87% | 0.92% | ||
 PFSI | 4.56B | 87.48 | 9.41 | 173.81% | 11.48% | 12.02% | 5.35 | |
 GHLD | 439.06M | 20.01 | 12.83 | 60.87% | 8.27% | 10.27% | 2.42 | |
 LDI | 499.19M | 1.49 | -4.97 | 37.59% | -4.08% | -14.5% | 13.05 | |
 WAL | 8.99B | 81.86 | 9.38 | 5.17% | 18.37% | 12.81% | 0.82 | |
 TREE | 562.82M | 40.62 | 3.77 | 24.12% | 13.54% | 85.96% | 10.78% | 1.52 |
 NRDS | 345.21M | 10.89 | 17.02 | 21.67% | 5.82% | 13% | 37.74% | |
 FNF | 13.87B | 51.18 | 11.01 | 15.92% | 8.52% | 12.52% | 48.08% | 0.55 |
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
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -28.42M | -21.02M | -102.23M | -61.8M | 30.61M | -32.53M | -56.07M | -152.97M |
| NII Growth % | - | 26.04% | -386.37% | 39.55% | 149.53% | -206.27% | -72.39% | -1555.32% |
| Net Interest Margin % | -0.25% | -0.1% | -0.27% | -0.19% | 0.15% | -0.17% | -0.23% | -0.46% |
| Interest Income | 200.93M | 250.75M | 329.59M | 430.09M | 350.59M | 327.45M | 413.16M | 445.25M |
| Interest Expense | 229.35M | 271.77M | 431.82M | 491.89M | 319.98M | 359.97M | 469.23M | 598.22M |
| Loan Loss Provision | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -149.63M |
| Non-Interest Income | 4.11B | 4.95B | 15.57B | 12.75B | 5.65B | 3.68B | 4.99B | 5.73B |
| Non-Interest Income % | 95.34% | 95.18% | 97.93% | 96.74% | 94.16% | 91.83% | 92.35% | 92.79% |
| 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% | 6.18B▲ 0% |
| Revenue Growth % | - | 20.77% | 205.45% | -17.11% | -54.42% | -33.29% | 34.84% | 258.75% |
| Non-Interest Expense | 3.46B | 4.03B | 5.93B | 6.5B | 4.94B | 4.05B | 4.26B | 5.21B |
| Efficiency Ratio | 80.33% | 77.4% | 37.32% | 49.32% | 82.32% | 101.07% | 78.94% | 84.32% |
| 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% | 519.89M▲ 0% |
| Operating Margin % | 14.34% | 17.38% | 59.96% | 46.94% | 12.36% | -10.06% | 12.37% | 8.42% |
| Operating Income Growth % | - | 46.32% | 953.87% | -35.11% | -88% | -154.31% | 265.81% | - |
| 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% | 291.92M▲ 0% |
| Pretax Margin % | 14.34% | 17.38% | 59.96% | 46.94% | 12.36% | -10.06% | 12.37% | 4.73% |
| Income Tax | 3.24M | 7.31M | 132.38M | 112.74M | 41.98M | -12.82M | 32.22M | -54.48M |
| Effective Tax Rate % | 0.52% | 0.81% | 1.39% | 1.82% | 5.66% | 3.18% | 4.82% | -18.66% |
| 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% | -102.15M▲ 0% |
| Net Margin % | 0% | 0% | 1.25% | 2.34% | 0.77% | -0.39% | 0.54% | -1.65% |
| Net Income Growth % | - | - | - | 55.7% | -84.94% | -133.42% | 289.31% | -574.89% |
| Net Income (Continuing) | 614.86M | 897.13M | 9.4B | 6.07B | 699.93M | -390.08M | 635.83M | 346.4M |
| EPS (Diluted) | 6.06▲ 0% | 0.00▼ 100.0% | 1.76▲ 0% | 2.32▲ 31.8% | 0.02▼ 99.0% | -0.01▼ 133.1% | 0.21▲ 2792.3% | -0.05▲ 0% |
| EPS Growth % | - | -100% | - | 31.82% | -98.98% | -133.05% | - | 9076.47% |
| EPS (Basic) | 6.11 | 0.00 | 1.77 | 2.36 | 0.39 | -0.12 | 0.21 | - |
| Diluted Shares Outstanding | 101.21M | 101.21M | 116.24M | 1.99B | 1.97B | 1.98B | 141.04M | 2.11B |
RKT Balance Sheet
Rocket Companies, Inc. (RKT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.59B | 2.15B | 7.67B | 4.05B | 722.29M | 1.11B | 1.27B | 13.61B |
| Cash & Due from Banks | 1.05B | 1.39B | 1.97B | 2.13B | 722.29M | 1.11B | 1.27B | 5.84B |
| Short Term Investments | 534.11M | 752.44M | 5.7B | 1.92B | 0 | 0 | 0 | 0 |
| Total Investments | 6.57B | 14.75B | 30.48B | 21.84B | 7.5B | 6.9B | 9.52B | 11.99B |
| Investments Growth % | - | 124.59% | 106.71% | -28.35% | -65.67% | -7.91% | 37.82% | 67.04% |
| Long-Term Investments | 6.03B | 13.99B | 24.78B | 19.92B | 7.5B | 6.9B | 9.52B | 42.95B |
| Accounts Receivables | 245.66M | 0 | 406.05M | 0 | 10.8M | 0 | 0 | 17.43M |
| Goodwill & Intangibles | 3.23B | 2.92B | 2.91B | 6.68B | 8.21B | 7.68B | 8.86B | 10.65B |
| Goodwill | 46.98M | 40.26M | 47.23M | 1.3B | 1.26B | 1.24B | 1.23B | 3.28B |
| Intangible Assets | 3.18B | 2.87B | 2.86B | 5.39B | 6.95B | 6.44B | 7.63B | 7.36B |
| PP&E (Net) | 202.56M | 455.37M | 449.71M | 682.27M | 640.38M | 598.55M | 495.62M | 461.34M |
| Other Assets | 180.81M | 208.83M | 619.01M | 180.36M | 1.85B | 1.72B | 3.06B | 4.62B |
| Total Current Assets | 1.91B | 2.55B | 8.25B | 4.74B | 1.35B | 1.78B | 2.06B | 5.85B |
| Total Non-Current Assets | 9.64B | 17.57B | 29.28B | 28.04B | 18.73B | 17.45B | 22.45B | 27.72B |
| 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% | 33.58B▲ 0% |
| Asset Growth % | - | 73.78% | 86.95% | -12.68% | -38.73% | -4.23% | 27.45% | 103.14% |
| Return on Assets (ROA) | - | - | 0.69% | 0.88% | 0.18% | -0.08% | 0.13% | -0.3% |
| Accounts Payable | 92.68M | 157.4M | 251.96M | 271.54M | 116.33M | 171.35M | 181.71M | 297.54M |
| Total Debt | 8.11B | 15.96B | 27.65B | 21.18B | 10.35B | 9.56B | 13.98B | 22.26B |
| Net Debt | 7.06B | 14.56B | 25.68B | 19.05B | 9.63B | 8.45B | 12.7B | 16.42B |
| Long-Term Debt | 3.87B | 5.2B | 7.05B | 9.22B | 4.85B | 4.53B | 4.76B | 9.1B |
| Short-Term Debt | 4.24B | 10.44B | 20.33B | 11.48B | 5.07B | 4.63B | 8.89B | 12.86B |
| Other Liabilities | 567.58M | 493.97M | 1.75B | 1.56B | 1.14B | 1.2B | 1.31B | 1.62B |
| Total Current Liabilities | 4.33B | 10.6B | 20.58B | 11.75B | 5.19B | 4.81B | 9.08B | 13.16B |
| Total Non-Current Liabilities | 4.44B | 6.01B | 9.07B | 11.26B | 6.42B | 6.12B | 6.39B | 11.56B |
| Total Liabilities | 8.77B | 16.57B | 29.65B | 23.02B | 11.61B | 10.93B | 15.47B | 24.72B |
| 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% | 8.85B▲ 0% |
| Equity Growth % | - | 25.96% | 125.02% | 23.82% | -13.16% | -2.05% | 8.93% | -0.88% |
| Equity / Assets (Capital Ratio) | 24.07% | 17.45% | 21% | 29.78% | 42.2% | 43.17% | 36.9% | 26.36% |
| Return on Equity (ROE) | - | - | 3.48% | 3.49% | 0.51% | -0.18% | 0.34% | -1.15% |
| Book Value per Share | 27.48 | 34.61 | 67.81 | 4.91 | 4.30 | 4.19 | 64.12 | 4.20 |
| Tangible BV per Share | -4.41 | 5.81 | 42.78 | 1.55 | 0.14 | 0.32 | 1.29 | -0.85 |
| Common Stock | 2.78B | 3.51B | 20K | 20K | 20K | 20K | 20K | 21K |
| Additional Paid-in Capital | 0 | 0 | 282.74M | 287.56M | 276.22M | 340.53M | 389.69M | 8.8B |
| Retained Earnings | 0 | 0 | 207.42M | 378M | 300.39M | 284.3M | 312.83M | 55.2M |
| Accumulated OCI | -868K | -151K | 317K | 81K | 69K | 52K | -48K | -1.72M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
RKT Cash Flow Statement
Rocket Companies, Inc. (RKT) cash flow — operating, investing & free cash flow history
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.43B | -6.98B | -1.68B | 7.74B | 10.82B | 110.33M | -2.63B | -2.63B |
| Operating CF Growth % | - | -587.62% | 75.96% | 561.67% | 39.77% | -98.98% | -2483.09% | -1210.4% |
| Net Income | 614.86M | 897.13M | 9.4B | 6.07B | 699.93M | -15.51M | 635.83M | -102.15M |
| Depreciation & Amortization | 76.92M | 74.95M | 74.32M | 74.71M | 94.02M | 110.27M | 112.92M | 107.71M |
| Deferred Taxes | -1.97B | 0 | 66.53M | 48.32M | 36.17M | -17.78M | 29.35M | 23.73M |
| Other Non-Cash Items | 2.79B | -8.03B | -11.21B | 1.25B | 10.23B | 26.41M | -3.69B | -1.91B |
| Working Capital Changes | -113.16M | 35.48M | -138.76M | 136.65M | -452.61M | -173.19M | 133.17M | 363.69M |
| Cash from Investing | -94.48M | 71.89M | 517.2M | -664.85M | 578.74M | 861.15M | -495.47M | -93.29M |
| Purchase of Investments | -28.15M | 0 | -2.5M | -39.9M | -14.64M | -5.47M | 0 | -10.66M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 0 | 1000K | 1000K | 0 | 1000K |
| Net Investment Activity | -27.15M | 1000K | -1.5M | -39.9M | -13.64M | -4.47M | 0 | -9.66M |
| Acquisitions | -28.15M | 0 | -565.53M | -1.23B | 14.64M | 0 | 0 | -1000K |
| Other Investing | -1.33M | -16.08M | 626.05M | 727.73M | 684.45M | 920.48M | -427.96M | -71.5M |
| Cash from Financing | -1.67B | 7.23B | 1.76B | -6.92B | -12.82B | -623.56M | 3.28B | 5.56B |
| Dividends Paid | 0 | 0 | 0 | 0 | -2B | 0 | 0 | -236.72M |
| Share Repurchases | 0 | 0 | 0 | -231.58M | -177.7M | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 1.75B | 41.98M | 37.76M | 24.88M | 40.6M | 45.9M |
| Net Stock Activity | 0 | 0 | 1.75B | -189.6M | -139.94M | 24.88M | 40.6M | 45.9M |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 2M |
| Other Financing | -706.85M | 114.24M | -6.74B | -3.99B | -182.77M | 2.37M | 9.17M | 59.19M |
| 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% | 4.61B▲ 0% |
| Exchange Rate Effect | -1000K | 877K | 885K | -115K | -949K | -191K | -1000K | -709K |
| Cash at Beginning | 1.47B | 1.14B | 1.46B | 2.05B | 2.21B | 789.1M | 1.14B | 5.11B |
| Cash at End | 1.14B | 1.46B | 2.05B | 2.21B | 789.1M | 1.14B | 1.29B | 5.86B |
| Interest Paid | 1.68M | 261.39M | 3.49M | 429.76M | 6.41M | 0 | 1.73M | 480.06M |
| Income Taxes Paid | 515K | 10.97M | 55.7M | 76.63M | 12.54M | 0 | 5.66M | 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% | -1.08B▲ 0% |
| FCF Growth % | - | -614.2% | 74.62% | 517.17% | 44.01% | -99.53% | -6969.66% | 71.46% |
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 | TTM |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | 3.48% | 3.49% | 0.51% | -0.18% | 0.34% | -1.15% |
| Return on Assets (ROA) | - | 0.69% | 0.88% | 0.18% | -0.08% | 0.13% | -0.3% |
| Net Interest Margin | -0.1% | -0.27% | -0.19% | 0.15% | -0.17% | -0.23% | -0.46% |
| Efficiency Ratio | 77.4% | 37.32% | 49.32% | 82.32% | 101.07% | 78.94% | 84.32% |
| Equity / Assets | 17.45% | 21% | 29.78% | 42.2% | 43.17% | 36.9% | 26.36% |
| Book Value / Share | 34.61 | 67.81 | 4.91 | 4.3 | 4.19 | 64.12 | 4.2 |
| NII Growth | 26.04% | -386.37% | 39.55% | 149.53% | -206.27% | -72.39% | -119.28% |
| Dividend Payout | - | - | - | - | - | - | -231.73% |
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 34.8% over the past year. This is strong growth.
Rocket Companies, Inc. (RKT) reported a net loss of $102.2M for fiscal year 2024.
Dividend & Returns
Rocket Companies, Inc. (RKT) has a return on equity (ROE) of 0.3%. This is below average, suggesting room for improvement.
Industry Metrics
Rocket Companies, Inc. (RKT) has a net interest margin (NIM) of -0.2%. NIM has been under pressure due to interest rate environment.
Rocket Companies, Inc. (RKT) has an efficiency ratio of 78.9%. This is higher than peers, suggesting room for cost optimization.
Explore More RKT
Rocket Companies, Inc. (RKT) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates