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Rocket Companies Inc (RKT) fair value: what the stock is really worth

We calculate from audited financials what Rocket Companies Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US77311W1018

RC Rocket Companies Inc logo Some data Sep 17, 2026

Rocket Companies Inc

RKT · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $7.11 · Strongly overvalued (−42%)
!Quality 24/100
!Weak Growth (revenue 5y −15.4 %/yr)
!Thin margins · 2.7% net margin (TTM)
!Moderate debt · negative free cash flow
!Trails peers (4/12)
!Narrow moat 44/100
!Insider activity 40/100
!Evidence only medium, so the estimate is less certain
!Weak on past: 7 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$23.44 $5.94 Fair Value $7.11 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 17, 2026.

How to read this chart

60‑month range $5.94 – $23.44 · fair‑value band $4.06 – $9.55 · the $12.29 price screens above the $7.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 17, 2026.

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Company profile

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.

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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.

Stock analysis

Rocket Companies Inc (RKT) currently trades at $12.29, while our model-based Fair Value estimate is $7.11, implying the stock looks roughly 73.0% overvalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of $9.59 per share, and 0 of the 3 models we run sit above the $12.29 price.

Bear case: the Asset-Based group reads lowest at $4.57, and 3 of the 3 models stay below the price. Evidence for this calculation is medium.

Scenario range: $4.06 (bear) to $9.55 (bull), the price of $12.29 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 24/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

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.

Key figures

Market cap $41.2B · P/S ratio 4.45 · EPS (TTM) $−0.0300 · Dividend yield 5.0% · Net margin −1.0% · Return on equity 1.7% · Return on assets (EBIT) 4.8% · Operating margin 28.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 50% below its 52-week high, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at −42%, RKT screens richer than that median.

Fair Value models

Bear $4.06 Fair Value $7.11 Bull $9.55
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Gordon GGM $5.47 $11.38 $18.05 64
DDM Multi-Stage $5.47 $9.59 $11.94 64
NCAV (Graham) $3.41 $4.57 $6.82 54
All 3 models by family
Dividend Discount
Gordon GGM $5.47 $11.38 $18.05 64
DDM Multi-Stage $5.47 $9.59 $11.94 64
Asset-Based
NCAV (Graham) $3.41 $4.57 $6.82 54

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Quality Score breakdown

Overall quality 24/100

Of which business quality 27 · Market factors (momentum, volatility) 9

Profitability 12
Margins and returns on capital today
Quality Growth 47
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 35
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 2
Calm price path (market factor)
Momentum 18
Price trend over the last 3–12 months (market factor)
52W Momentum 1
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 20/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+27.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−15.4%
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.1%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
60.0% (2020) → 8.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

RKT screens 73% overvalued. Compare with Federal Home Loan Mortgage Corporation →

Recent news

News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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Peer Groupⓘ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.Mortgage Finance · 92 stocks

Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 25 · Bottom 25%
Fair Value upside −50% · Below median
Profitability
Return on equity (TTM) 2% · Bottom 25%
Return on assets 2% · Top 25%
Net margin (TTM) 3% · Bottom 25%
Operating margin (TTM) 28% · Below median
Growth and dividend
Revenue growth 167% · Top 25%
Dividend yield (TTM) 5.0% · Below median
Balance sheet
Debt / equity 0.54× · Lowest 25%

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/B 1.80× · Priciest 25%
P/S (TTM) 4.63× · Pricier than median
EV/EBITDA 26.4× · Pricier than median
PEG 0.53× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 1
FUTURE (revenue growth)100 · sector 100
PAST (return on equity)7 · sector 55
HEALTH (low debt)73 · sector 0
DIVIDEND (yield)0 · sector 100

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Federal Home Loan Mortgage Corporation FMCCT $12.96 $25.74 +99%
Federal National Mortgage Association FNMAS $8.65 $1.99 −77%
Bajaj Housing Finance Limited BAJAJHFL ₹84.16 ₹39.96 −53%
PennyMac Financial Services, Inc PFSI $66.51 $125.45 +89%
UWM Holdings UWMC $1.26 $0.1400 −89%
PNB Housing Finance Limited PNBHOUSING ₹1,175 ₹916.81 −22%
LIC Housing Finance Limited LICHSGFIN ₹548.15 ₹1,096 +100%
Aadhar Housing Finance Limited AADHARHFC ₹461.65 ₹401.53 −13%
Walker & Dunlop, Inc WD $37.77 $32.25 −15%
Aptus Value Housing Finance India Limited APTUS ₹237.68 ₹414.60 +74%

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Rocket Companies Inc · Fair Value
$7.11 −73%Fair Value
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Cite: Fair Value Calculator (2026). "Rocket Companies Inc Fair Value". https://www.fairvalue-calculator.com/stock/RKT

Frequently asked questions

Is Rocket Companies Inc (RKT) overvalued or undervalued?
As of Sep 17, 2026, our model estimates a fair value of $7.11 versus a price of $12.29, about −42% upside (overvalued).
What is the fair value of RKT?
Our model-based fair value for Rocket Companies Inc is $7.11 (as of Sep 17, 2026), built from audited fundamentals. The current price: $12.29.
What is the quality score of RKT?
Rocket Companies Inc has a Quality Score of 24/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Rocket Companies Inc (RKT)?
Our model-based price target is the fair value of $7.11 (as of Sep 17, 2026) from 3 valuation models. Cautious scenario $4.06, optimistic scenario $9.55. It is a calculation from audited fundamentals, not an analyst target.
What is the Rocket Companies Inc stock forecast for 2026?
Our models put fair value at $7.11, about −42% upside versus a price of $12.29 (overvalued). Cautious scenario $4.06, optimistic scenario $9.55. The calculation is refreshed regularly with new filings.
What is the revenue of Rocket Companies Inc (RKT)?
Rocket Companies Inc reported trailing-twelve-month revenue of about $8.9B (latest available figure, as of Sep 17, 2026).
Does Rocket Companies Inc pay a dividend?
Rocket Companies Inc currently shows a dividend yield of about 5.04% relative to its recent price (as of Sep 17, 2026).
What is the intrinsic value of Rocket Companies Inc (RKT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Rocket Companies Inc it is $7.11 per share (as of Sep 17, 2026), against a price of $12.29. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Rocket Companies Inc stock overvalued or undervalued in 2026?
As of Sep 17, 2026, RKT trades above its calculated fair value: price $12.29, fair value $7.11, a gap of about −42% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RKT?
No. The price is what the market pays today ($12.29); the fair value is what the company's own numbers justify ($7.11). For Rocket Companies Inc the two are $5.18 per share apart. That gap is exactly why we show both numbers side by side.
How much is Rocket Companies Inc worth?
The market values Rocket Companies Inc at about $41.2B (market capitalisation, as of Sep 17, 2026). Per share that is $12.29; our models calculate a fair value of $7.11 per share.
What do the bullish and bearish scenarios say about RKT?
Our models span a range for Rocket Companies Inc: cautious scenario $4.06, base $7.11, optimistic $9.55 per share (as of Sep 17, 2026, price $12.29). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of RKT?
The PEG ratio of Rocket Companies Inc is 0.53 (P/E divided by earnings growth, as of Sep 17, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Rocket Companies Inc (RKT)?
Balance-sheet figures for Rocket Companies Inc (as of Sep 17, 2026): return on equity 1.7%, debt of 0.54 per unit of equity. They feed the Quality Score of 24/100, which measures business quality independently of the share price.
How far is RKT from its 52-week high?
Rocket Companies Inc trades at $12.29, about 50% below its 52-week high of $24.36 (as of Sep 17, 2026). Distance from the high says nothing about value: that is what the fair value of $7.11 is for.
Which stocks are comparable to Rocket Companies Inc?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Federal National Mortgage Association, Bajaj Housing Finance Limited, PennyMac Financial Services, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Rocket Companies Inc stock attractive at the current price?
The data as of Sep 17, 2026: price $12.29, calculated fair value $7.11 (−42%), Quality Score 24/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RKT calculated?
We run Rocket Companies Inc through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $7.11, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Rocket Companies Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Rocket Companies Inc (RKT)?
The closing price on Sep 18, 2026 was $12.29. Our model-based fair value is $7.11, about −42% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Rocket Companies Inc right now?
The price sits above even our optimistic bull case ($9.55). 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 ($4.06 to $9.55) 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.

Key figures of Rocket Companies Inc

How large is the market capitalisation of Rocket Companies Inc (RKT)?
The market capitalisation of Rocket Companies Inc is $41.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Rocket Companies Inc (RKT)?
The price-to-sales ratio of Rocket Companies Inc is 4.45 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Rocket Companies Inc (RKT)?
Earnings per share at Rocket Companies Inc are $−0.0300. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Rocket Companies Inc (RKT)?
The dividend yield of Rocket Companies Inc is 5.0%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Rocket Companies Inc (RKT)?
The net margin of Rocket Companies Inc is −1.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Rocket Companies Inc (RKT)?
The return on equity (ROE) of Rocket Companies Inc is 1.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Rocket Companies Inc (RKT)?
On an EBIT basis the return on assets of Rocket Companies Inc is 4.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Rocket Companies Inc (RKT)?
The operating margin of Rocket Companies Inc is 28.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Rocket Companies Inc (RKT)?
Revenue at Rocket Companies Inc is growing +167% versus a year earlier (3y avg +4.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Rocket Companies Inc (RKT)?
Earnings per share at Rocket Companies Inc are growing −89.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Rocket Companies Inc (RKT) generate?
The free cash flow of Rocket Companies Inc is −$4.0B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Rocket Companies Inc (RKT) hold?
Rocket Companies Inc holds more cash than debt, $2.7B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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