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ROCKET COS INC-CLASS A (RKT) Stock Fundamental Analysis

USA - NYSE:RKT - US77311W1018 - Common Stock

17.8 USD
-0.57 (-3.1%)
Last: 10/3/2025, 8:04:01 PM
17.87 USD
+0.07 (+0.39%)
After Hours: 10/3/2025, 8:04:01 PM
Fundamental Rating

2

Overall RKT gets a fundamental rating of 2 out of 10. We evaluated RKT against 100 industry peers in the Financial Services industry. Both the profitability and financial health of RKT have multiple concerns. While showing a medium growth rate, RKT is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

RKT had positive earnings in the past year.
RKT had a negative operating cash flow in the past year.
Of the past 5 years RKT 4 years were profitable.
In multiple years RKT reported negative operating cash flow during the last 5 years.
RKT Yearly Net Income VS EBIT VS OCF VS FCFRKT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B

1.2 Ratios

RKT has a worse Return On Assets (0.00%) than 73.00% of its industry peers.
With a Return On Equity value of 0.00%, RKT is not doing good in the industry: 72.00% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 1.88%, RKT is in line with its industry, outperforming 44.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for RKT is below the industry average of 7.66%.
Industry RankSector Rank
ROA 0%
ROE 0%
ROIC 1.88%
ROA(3y)0.09%
ROA(5y)0.35%
ROE(3y)3.22%
ROE(5y)19.25%
ROIC(3y)3.29%
ROIC(5y)10.14%
RKT Yearly ROA, ROE, ROICRKT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

1.3 Margins

RKT's Profit Margin has declined in the last couple of years.
RKT's Operating Margin of 13.77% is in line compared to the rest of the industry. RKT outperforms 52.00% of its industry peers.
RKT's Operating Margin has declined in the last couple of years.
RKT does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM 13.77%
PM (TTM) N/A
GM N/A
OM growth 3Y-23.89%
OM growth 5Y-3.1%
PM growth 3Y-38.56%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
RKT Yearly Profit, Operating, Gross MarginsRKT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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0

2. Health

2.1 Basic Checks

RKT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
RKT has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, RKT has more shares outstanding
RKT has a worse debt/assets ratio than last year.
RKT Yearly Shares OutstandingRKT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
RKT Yearly Total Debt VS Total AssetsRKT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

Based on the Altman-Z score of 0.94, we must say that RKT is in the distress zone and has some risk of bankruptcy.
RKT has a Altman-Z score (0.94) which is in line with its industry peers.
A Debt/Equity ratio of 2.69 is on the high side and indicates that RKT has dependencies on debt financing.
RKT has a worse Debt to Equity ratio (2.69) than 73.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.69
Debt/FCF N/A
Altman-Z 0.94
ROIC/WACC0.25
WACC7.67%
RKT Yearly LT Debt VS Equity VS FCFRKT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B

2.3 Liquidity

RKT has a Current Ratio of 0.40. This is a bad value and indicates that RKT is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.40, RKT is not doing good in the industry: 66.00% of the companies in the same industry are doing better.
A Quick Ratio of 0.40 indicates that RKT may have some problems paying its short term obligations.
RKT has a Quick ratio of 0.40. This is in the lower half of the industry: RKT underperforms 66.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.4
Quick Ratio 0.4
RKT Yearly Current Assets VS Current LiabilitesRKT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 100.00% over the past year.
Measured over the past years, RKT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -53.86% on average per year.
RKT shows a small growth in Revenue. In the last year, the Revenue has grown by 6.27%.
Measured over the past years, RKT shows a small growth in Revenue. The Revenue has been growing by 0.62% on average per year.
EPS 1Y (TTM)100%
EPS 3Y-53.86%
EPS 5YN/A
EPS Q2Q%-33.33%
Revenue 1Y (TTM)6.27%
Revenue growth 3Y-25.65%
Revenue growth 5Y0.62%
Sales Q2Q%4.58%

3.2 Future

RKT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.44% yearly.
The Revenue is expected to grow by 17.13% on average over the next years. This is quite good.
EPS Next Y-2.21%
EPS Next 2Y74.6%
EPS Next 3Y65.92%
EPS Next 5Y36.44%
Revenue Next Year28.76%
Revenue Next 2Y35.75%
Revenue Next 3Y27.27%
Revenue Next 5Y17.13%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
RKT Yearly Revenue VS EstimatesRKT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
RKT Yearly EPS VS EstimatesRKT Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 1 2 3

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1

4. Valuation

4.1 Price/Earnings Ratio

RKT is valuated quite expensively with a Price/Earnings ratio of 89.00.
RKT's Price/Earnings ratio is a bit more expensive when compared to the industry. RKT is more expensive than 76.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of RKT to the average of the S&P500 Index (27.86), we can say RKT is valued expensively.
A Price/Forward Earnings ratio of 26.54 indicates a quite expensive valuation of RKT.
71.00% of the companies in the same industry are cheaper than RKT, based on the Price/Forward Earnings ratio.
RKT's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.32.
Industry RankSector Rank
PE 89
Fwd PE 26.54
RKT Price Earnings VS Forward Price EarningsRKT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

61.00% of the companies in the same industry are cheaper than RKT, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 49.14
RKT Per share dataRKT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2 3

4.3 Compensation for Growth

A more expensive valuation may be justified as RKT's earnings are expected to grow with 65.92% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y74.6%
EPS Next 3Y65.92%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.49%, RKT is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.03, RKT pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, RKT pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.49%

5.2 History

RKT has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
RKT Yearly Dividends per shareRKT Yearly Dividends per shareYearly Dividends per share 2015 2021 2022 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

DPN/A
EPS Next 2Y74.6%
EPS Next 3Y65.92%
RKT Yearly Income VS Free CF VS DividendRKT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B

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ROCKET COS INC-CLASS A

NYSE:RKT (10/3/2025, 8:04:01 PM)

After market: 17.87 +0.07 (+0.39%)

17.8

-0.57 (-3.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)07-31 2025-07-31/amc
Earnings (Next)10-30 2025-10-30/amc
Inst Owners93.69%
Inst Owner Change0.01%
Ins Owners1.25%
Ins Owner Change-266.24%
Market Cap37.46B
Analysts72
Price Target18.56 (4.27%)
Short Float %47.88%
Short Ratio4.96
Dividend
Industry RankSector Rank
Dividend Yield 4.49%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date03-20 2025-03-20 (0.8)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)22.44%
Min EPS beat(2)-1.8%
Max EPS beat(2)46.68%
EPS beat(4)2
Avg EPS beat(4)21.58%
Min EPS beat(4)-1.93%
Max EPS beat(4)46.68%
EPS beat(8)6
Avg EPS beat(8)106.37%
EPS beat(12)9
Avg EPS beat(12)62.69%
EPS beat(16)10
Avg EPS beat(16)31.16%
Revenue beat(2)1
Avg Revenue beat(2)-6.09%
Min Revenue beat(2)-17.55%
Max Revenue beat(2)5.36%
Revenue beat(4)2
Avg Revenue beat(4)-2.18%
Min Revenue beat(4)-50.12%
Max Revenue beat(4)53.56%
Revenue beat(8)5
Avg Revenue beat(8)6.01%
Revenue beat(12)7
Avg Revenue beat(12)4.5%
Revenue beat(16)9
Avg Revenue beat(16)4.93%
PT rev (1m)8.48%
PT rev (3m)30.47%
EPS NQ rev (1m)11.11%
EPS NQ rev (3m)-56.8%
EPS NY rev (1m)0.24%
EPS NY rev (3m)-33.12%
Revenue NQ rev (1m)-1.12%
Revenue NQ rev (3m)10.3%
Revenue NY rev (1m)-0.53%
Revenue NY rev (3m)6.85%
Valuation
Industry RankSector Rank
PE 89
Fwd PE 26.54
P/S 7.27
P/FCF N/A
P/OCF N/A
P/B 5.03
P/tB N/A
EV/EBITDA 49.14
EPS(TTM)0.2
EY1.12%
EPS(NY)0.67
Fwd EY3.77%
FCF(TTM)-1.05
FCFYN/A
OCF(TTM)-1.02
OCFYN/A
SpS2.45
BVpS3.54
TBVpS-1.22
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0%
ROE 0%
ROCE 4%
ROIC 1.88%
ROICexc 2.27%
ROICexgc 4.53%
OM 13.77%
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.09%
ROA(5y)0.35%
ROE(3y)3.22%
ROE(5y)19.25%
ROIC(3y)3.29%
ROIC(5y)10.14%
ROICexc(3y)3.45%
ROICexc(5y)10.75%
ROICexgc(3y)6.07%
ROICexgc(5y)14.38%
ROCE(3y)6.38%
ROCE(5y)29.47%
ROICexcg growth 3Y-32.9%
ROICexcg growth 5Y-0.88%
ROICexc growth 3Y-38.01%
ROICexc growth 5Y-6.72%
OM growth 3Y-23.89%
OM growth 5Y-3.1%
PM growth 3Y-38.56%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 2.69
Debt/FCF N/A
Debt/EBITDA 24.4
Cap/Depr 59.62%
Cap/Sales 1.3%
Interest Coverage 1.48
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.4
Quick Ratio 0.4
Altman-Z 0.94
F-Score1
WACC7.67%
ROIC/WACC0.25
Cap/Depr(3y)71.15%
Cap/Depr(5y)102.8%
Cap/Sales(3y)1.43%
Cap/Sales(5y)1.17%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)100%
EPS 3Y-53.86%
EPS 5YN/A
EPS Q2Q%-33.33%
EPS Next Y-2.21%
EPS Next 2Y74.6%
EPS Next 3Y65.92%
EPS Next 5Y36.44%
Revenue 1Y (TTM)6.27%
Revenue growth 3Y-25.65%
Revenue growth 5Y0.62%
Sales Q2Q%4.58%
Revenue Next Year28.76%
Revenue Next 2Y35.75%
Revenue Next 3Y27.27%
Revenue Next 5Y17.13%
EBIT growth 1Y-24.49%
EBIT growth 3Y-43.41%
EBIT growth 5Y-2.5%
EBIT Next Year942.22%
EBIT Next 3Y264.59%
EBIT Next 5Y115.5%
FCF growth 1Y-186.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-181.54%
OCF growth 3YN/A
OCF growth 5YN/A