Rocket Companies, Inc (RKT) Fair Value & Analysis

Financial Services · US · Market cap $41.2B

Below-average quality, and screening another 30% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($12.67). The favourable scenario is already priced in.
• Weak quality (19/100) and above fair value at the same time, the margin of safety is missing on both counts.
• A fairly wide model range ($5.24 to $12.67) 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 Jul 16, 2026.

How to read this chart

60‑month range $5.94 – $23.44 · fair‑value band $5.24 – $12.67 · the $13.22 price screens above the $9.31 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

Full chart & analysis →

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Analysis

Rocket Companies, Inc (RKT) currently trades at $13.22, while our model-based Fair Value estimate is $9.31, implying the stock looks roughly 29.6% overvalued today. We read business quality at 19/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: 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 Jul 16, 2026

Our scenario range runs from $5.24 (bear case) to $12.67 (bull case); at $13.22, 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 46% below its 52-week high and 7% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -6% fair-value upside, at -30%, 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 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.

Widest divergence: Dividend Discount ($176.57) versus Multiples ($6.67). Highest evidence: Gordon GGM (70).

Key figures & financial health

Quality Score breakdown

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 30% overvalued. Compare with Federal Home Loan Mortgage Corporation →

Peer Group

Mortgage Finance · 89 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

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.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.