Rocket Companies Inc (RKT) Fair Value & Analysis
Financial Services · US · Market cap $41.2B · ISIN US77311W1018
What is Rocket Companies Inc really worth?
Rocket Companies Inc
RKT · US
Below-average quality, and trading another 103% above our fair value of $7.02.
Risks
Fair value as of: Sep 3, 2026
From 3 valuation models · updated yesterday
Share price +0.8% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case ($9.43). The favourable scenario is already priced in.
- Weak quality (24/100) and above fair value at the same time, the margin of safety is missing on both counts.
- A fairly wide model range ($4.00 to $9.43) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 3, 2026.
How to read this chart
60‑month range $5.94 – $23.44 · fair‑value band $4.00 – $9.43 · the $14.22 price screens above the $7.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 3, 2026.
Analysis
Rocket Companies Inc (RKT) currently trades at $14.22, while our model-based Fair Value estimate is $7.02, implying the stock looks roughly 102.6% overvalued today. The Quality Score stands at 24/100 (below-average quality), in the Financial Services sector. Bull case: the Dividend Discount group reads highest at a median of $13.01 per share, and 1 of the 3 models we run sit above the $14.22 price. Bear case: the Asset-Based group reads lowest at $6.20, and 2 of the 3 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Rocket Companies Inc generated revenue of $8.9B at a net margin of 2.7%. Revenue grew 167.1% year over year. It earns a return on equity of 1.7%. The balance sheet holds a net cash position of $2.7B. Fundamentals as of Sep 3, 2026
Our scenario range runs from $4.00 (bear case) to $9.43 (bull case); at $14.22, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 42% below its 52-week high and 15% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −5% fair-value upside, at −51%, RKT screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 3 models by family
Widest divergence: Dividend Discount ($13.01) versus Asset-Based ($6.20). Highest evidence: Gordon GGM (64).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 3, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 27 · Market factors (momentum, volatility) 18
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Rocket Companies Inc reported revenue of $6.9B in FY2025 versus $13.2B in FY2021, a compound −15.0%/yr. Reported net income was −$68.0M in FY2025.
RKT screens 103% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- How Redfin’s Renewed Rental Ad Freedom and Zillow Pact at Rocket (RKT) Has Changed Its Investment Story
- Rocket Money's Rowan Rewrites What AI Can Do in Personal Finance
- How Will Redfin Settlement Open Growth Avenues for Rocket?
Peer Group
Mortgage Finance · 92 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Sep 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | −80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.06 | ₹39.96 | −52% |
| PennyMac Financial Services, Inc PFSI | $70.78 | $125.45 | +77% |
| UWM Holdings UWMC | $1.46 | $0.1600 | −89% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,169 | ₹1,143 | −2% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| Aadhar Housing Finance Limited AADHARHFC | ₹471.10 | ₹325.75 | −31% |
| Walker & Dunlop, Inc WD | $39.71 | $32.25 | −19% |
| Aptus Value Housing Finance India Limited APTUS | ₹258.50 | ₹244.80 | −5% |
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