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Upturn AI Summary - About
Rocket Companies Inc(RKT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RKT
10/02/2026: RKT (1-star) is currently NOT-A-BUY. Pass it for now.
Rocket Companies Inc is a major fintech firm specializing in digital mortgage origination and real estate services. The company is known for its Rocket Mortgage platform, which has historically driven significant volume by simplifying the loan process for consumers. Its primary growth opportunity lies in leveraging its tech-centric brand to cross-sell financial products through the Rocket Money app. However, investors must consider the company's high sensitivity to interest rate cycles and stiff competition from both wholesale lenders and traditional banks. While the company maintains a strong market position, it is best suited for investors comfortable with the volatility inherent in the U.S. housing and mortgage sectors.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is highly dependent on the cyclical housing and mortgage market. |
| Momentum investor | Mixed fit | Momentum is conditional on positive trends in mortgage rates and housing demand. |
| Value investor | Strong fit | The stock often trades at valuations that reflect cyclical risks and potential upside in a lower-rate environment. |
| Dividend investor | Weak fit | The company does not provide a reliable, recurring dividend income stream. |
| Low-risk investor | Weak fit | The stock exhibits high beta and sensitivity to macroeconomic factors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is highly reactive to interest rate changes and housing market data. |
| Valuation risk | Medium | Market pricing often shifts rapidly based on mortgage volume forecasts. |
| Competition risk (Mortgage/Fintech) | High | Intense competition from wholesale lenders and large banks keeps pressure on margins. |
| Business quality | Medium | The company has a strong brand but operates in a heavily commoditized and cyclical industry. |
| Dividend income | Low / none | No consistent dividend policy limits appeal for income-focused investors. |
| Execution risk | Medium | Success depends on effectively scaling the Rocket platform and maintaining service efficiency. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -15.5% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 33.89B USD | Price to earnings Ratio - | 1Y Target Price 17.7 |
Price to earnings Ratio - | 1Y Target Price 17.7 | ||
Volume (30-day avg) 32.8M shares | Beta 2.21 | 52 Weeks Range 11.25 - 24.36 | Updated Date 10/02/2026 |
52 Weeks Range 11.25 - 24.36 | Updated Date 10/02/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.03 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Mortgage Origination | Fees earned for originating and selling mortgage loans in the secondary market. | The core revenue engine that thrives when people buy or refinance homes. |
| Servicing | Revenue collected for managing loan payments, taxes, and insurance for homeowners. | Provides recurring, predictable cash flow that helps offset origination volatility. |
| Rocket Money | Subscription and lead-generation revenue from the personal finance management app. | A growing segment aimed at keeping users engaged within the Rocket ecosystem. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE 15.58 | Enterprise Value 63.63B | Price to Sales(TTM) 3.31 |
Enterprise Value 63.63B | Price to Sales(TTM) 3.31 | ||
Enterprise Value to Revenue 6.25 | Enterprise Value to EBITDA - | Shares Outstanding 1.91B | Shares Floating 1.88B |
Shares Outstanding 1.91B | Shares Floating 1.88B | ||
Percent Insiders 0.63 | Percent Institutions 52.42 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Rocket Companies Inc
Exchange NYSE | Headquarters Detroit, MI, United States | ||
IPO Launch date 2020-08-06 | CEO & Director Mr. Varun Krishna | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 23500 | Website https://www.rocketcompanies.com |
Full time employees 23500 | Website https://www.rocketcompanies.com | ||
Rocket Companies, Inc., a fintech company, engages in the mortgage, real estate, and personal finance businesses in the United States and Canada. It operates in two segments, Direct to Consumer and Partner Network. The company offers Rocket Mortgage, a mortgage lender service; Redfin, a digital real estate brokerage and home search platform; Rocket Close, a digital experience for appraisal management, settlement, and title services; Rocket Money, a finance app that offers a suite of financial wellness services including subscription cancellation, budget management and credit score improvement; and Rocket Loans, a platform for personal loan. It also originates, closes, sells, and services agency-conforming loans; and provides Rocket Pro that works with mortgage brokers, community banks, and credit unions, to maintain own brand and client relationships. Rocket Companies, Inc. was founded in 1985 and is headquartered in Detroit, Michigan. Rocket Companies, Inc. was formerly a subsidiary of Rock Holdings Inc.
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