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Upturn AI SWOT - About
RKT 
Rocket Companies Inc (RKT)
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Upturn Advisory Summary
09/15/2025: RKT (4-star) is a STRONG-BUY. BUY since 65 days. Simulated Profits (49.01%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $17.42
1 Year Target Price $17.42
| 1 | Strong Buy |
| 0 | Buy |
| 11 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 103.02% | Avg. Invested days 34 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 44.54B USD | Price to earnings Ratio - | 1Y Target Price 17.42 |
Price to earnings Ratio - | 1Y Target Price 17.42 | ||
Volume (30-day avg) 12 | Beta 2.31 | 52 Weeks Range 9.52 - 22.55 | Updated Date 09/15/2025 |
52 Weeks Range 9.52 - 22.55 | Updated Date 09/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.01% | Operating Margin (TTM) 14.32% |
Management Effectiveness
Return on Assets (TTM) 1.28% | Return on Equity (TTM) -0.14% |
Valuation
Trailing PE - | Forward PE 28.82 | Enterprise Value 59261001728 | Price to Sales(TTM) 8.64 |
Enterprise Value 59261001728 | Price to Sales(TTM) 8.64 | ||
Enterprise Value to Revenue 11.2 | Enterprise Value to EBITDA - | Shares Outstanding 138400000 | Shares Floating 246986413 |
Shares Outstanding 138400000 | Shares Floating 246986413 | ||
Percent Insiders 1.25 | Percent Institutions 94.42 |
Upturn AI SWOT
Rocket Companies Inc
Company Overview
History and Background
Rocket Companies Inc., founded in 1985 as Rock Financial, evolved from a traditional mortgage lender to a fintech platform. Renamed Quicken Loans, it focused on online lending and rebranded as Rocket Companies in 2020 to reflect its expanded portfolio.
Core Business Areas
- Mortgage Origination: Provides mortgage lending services through Rocket Mortgage, offering various loan products and a fully digital application process.
- Real Estate Services: Offers real estate services through Rocket Homes, connecting buyers and sellers with agents and providing online home search tools.
- Title Services: Provides title insurance and closing services through Amrock, facilitating the real estate transaction process.
- Personal Finance: Offers personal finance tools and services through Rocket Loans and Rocket Money.
Leadership and Structure
Jay Farner is the CEO. The organizational structure is a complex matrix, centered on the Rocket platform, with distinct business units reporting up through central leadership.
Top Products and Market Share
Key Offerings
- Rocket Mortgage: Online mortgage lending platform. In 2023, Rocket Mortgage's market share was estimated at 7%. Competitors include United Wholesale Mortgage, PennyMac, and Wells Fargo.
- Rocket Homes: Real estate marketplace connecting buyers and sellers. Market share is relatively small compared to Zillow and Redfin. Competitors include Zillow, Redfin, Opendoor, and traditional real estate brokerages.
- Rocket Loans: Offers personal loans for various purposes. Competitors include SoFi, LendingClub, and Upstart.
Market Dynamics
Industry Overview
The mortgage industry is cyclical and highly sensitive to interest rates, economic conditions, and housing market trends. Fintech companies are increasingly disrupting traditional lending practices.
Positioning
Rocket Companies is a leading fintech player in the mortgage industry, known for its digital-first approach and strong brand recognition. Its competitive advantages include its technology platform, customer service, and marketing capabilities.
Total Addressable Market (TAM)
The TAM for the mortgage market is in the trillions of dollars. Rocket Companies is positioned to capture a significant portion of this market through its online platform and diverse service offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Advanced technology platform
- Extensive marketing capabilities
- Customer-centric approach
- Large customer base
Weaknesses
- Reliance on mortgage origination
- Sensitivity to interest rate fluctuations
- High marketing expenses
- Exposure to regulatory changes
Opportunities
- Expansion into new financial services
- Increased adoption of digital mortgages
- Partnerships with real estate agents and builders
- Growth in the purchase market
- Diversification of revenue streams
Threats
- Rising interest rates
- Increased competition
- Economic downturn
- Regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- UWM Holdings Corporation (UWMC)
- PennyMac Financial Services, Inc. (PFSI)
- Wells Fargo & Company (WFC)
- Bank of America (BAC)
Competitive Landscape
Rocket Companies faces intense competition from both traditional mortgage lenders and fintech companies. Its advantages include its brand, technology, and customer service, while its disadvantages include its reliance on mortgage origination and sensitivity to interest rates.
Major Acquisitions
Truebill (now Rocket Money)
- Year: 2021
- Acquisition Price (USD millions): 1275
- Strategic Rationale: Expanded its personal finance offerings and customer base.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by the expansion of its online platform and increased mortgage origination volume.
Future Projections: Future growth is expected to be driven by expansion into new markets and continued innovation in its technology platform. Analyst estimates vary based on interest rate forecasts.
Recent Initiatives: Recent initiatives include expanding its real estate services, developing new loan products, and investing in technology.
Summary
Rocket Companies is a prominent fintech player in the mortgage industry with a strong brand and technology platform. Its performance is highly sensitive to interest rate fluctuations and housing market conditions. Expansion into new markets and diversification of revenue streams will be crucial for future growth. The current economic climate and increased competition present significant challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary. Financial data is based on publicly available information and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Rocket Companies Inc
Exchange NYSE | Headquaters Detroit, MI, United States | ||
IPO Launch date 2020-08-06 | CEO & Director Mr. Varun Krishna | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 14200 | Website https://www.rocketcompanies.com |
Full time employees 14200 | Website https://www.rocketcompanies.com | ||
Rocket Companies, Inc., provides spanning mortgage, real estate, and personal finance services in the United States and Canada. It operates through two segments, Direct to Consumer and Partner Network. The company offers Rocket Mortgage, a mortgage lender service; Rocket Close, an appraisal management, settlement, and title service; Rocket Homes, a home search platform and real estate agent referral network that provides technology-enabled services to support the home buying and selling experience; and Rocket Loans, an online-based personal loans business. It also provides Rocket Money that provides financial wellness services, including subscription cancellation, budget management, and credit score; and Lendesk, a software service that provides a point of sale system for mortgage professionals and a loan origination system for private lenders. 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.
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