TickerTalks
Browse all tickers →
TickerTalks›$RKT
RKRKT

Rocket Companies, Inc.

$RKT·$32B·Financial - Mortgages·Financial Services
$10.78-2.6%YTD-44.5%1Y-34.9%
Price updated 6h ago·X counts updated 5d ago
RKRKT
$RKTRocket Companies, Inc.
$10.78-2.62%235 posts1×
AI analysisFundamentalsVoices on X
Loading…

On X

Top X posts

The complete picture of $RKT on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

235X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $RKT's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 68% of tracked names.

Mixed sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-09-15

Rocket Companies dragged by affordability, refi burnout and builder hesitation, but a contrarian long calls weaker originators being pushed out as future earnings power growing. Fannie Mae headline speculation and mortgage-market historical framing add hope; tone is a survivor thesis in a rough tape.

Read what X is saying about $RKT

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
Free, forever. No credit card.

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $RKT — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Broken storySelling offAI verdict · as of 2026-10-03

Falling on heavy selling — points lower unless it turns around.

Rocket Mortgage near 52-week lows with mortgage rates stuck at 7%+ — CEO Bray selling $4.5M in September is the loud counter-signal.

Rocket Companies is the public pure-play mortgage lender plus the Rocket Homes real-estate marketplace. The stock has lost 40% YTD as mortgage rates stayed sticky-high at 7%+ and the refi burnout plus affordability lock-in deepened.

  • Revenue is growing but barely profitable: Q1 2026 revenue of $2.7B at +149% YoY (acquisition-boosted) but a 149x trailing P/E means the quarterly EPS is essentially break-even — this is the Freedom-Mortgage model with no spare margin.
  • CEO Bray sold $4.5M in September: $1.59M on Oct 1 plus $2.95M on Sep 15 — this is the kind of C-suite distribution that bulls on a 52-week-low stock have to answer, especially with the stock down 40% YTD.
  • The business pivot is real but slow: switched default credit score (from FICO to a mix), launched Rocket Homes-driven mortgage origination lead-gen — these are the right strategic moves, but they take years to show up in the P&L.

An Oct 29 Q3 print with mortgage-origination volume above $25B and operating leverage finally landing restarts the thesis; another break-even quarter and the breakdown continues toward $10.

Agrees with X sentimentX is mixed and reasonably so — bears on affordability, refi burnout, and builder hesitation; a contrarian long on weaker originators getting pushed out as RKT's share-take wins the cycle. Both reads check out. The CEO Bray $4.5M September selling is the hard counter-signal the crowd under-weights.

What to watch: Oct 29 Q3 earnings — mortgage-origination volume above $25B, servicing-portfolio economics, operating leverage trend, and any 2027 guide. A continued CEO cluster of selling plus another break-even quarter extends the breakdown; a clean operating-leverage beat re-rates it.

On the calendar: 2026-10-29 — Q3 2026 earnings

Read the AI verdict on $RKT

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
Free, forever. No credit card.

What it does

Plain-English summary of the business — what they sell and how they make money.

Operates Rocket Mortgage, the largest US retail mortgage originator, leveraging technology for fast digital origination and refinancing.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Mortgages sits in its cycle right now — and what that implies for $RKT.

Financial - Mortgages · Financial Services

Mortgage origination volumes remain compressed as 7%+ mortgage rates keep both purchase and refinance activity near multi-decade lows; servicers benefit from high balance MSR valuations while originators are consolidating. Any Fed rate cut path that brings the 30Y mortgage below 6% is the primary positive catalyst; until then, volume recovery is limited.

What this means for $RKT

Partial — Operates Rocket Mortgage, the largest US retail mortgage originator, leveraging technology for fast digital origination and refinancing.

Top industry ETF

$XLFFinancial Select Sector SPDR
-0.5%YTD
+7.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
149.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
15.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
-3.9%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
4.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
1.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
90.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.4Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 6, 2026$0.16$0.16-2.6%
Q1 2026May 7, 2026$0.15$0.12+30.4%
Q4 2025Feb 26, 2026$0.11$0.09+22.8%
Q3 2025Oct 30, 2025$0.07$0.04+55.8%
Next earningsThu, Oct 29·consensus EPS $0.14

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$2.7B+148.6%89.3%27.4%$0.11$1.8B
Q4 FY25$2.5B+36.0%87.4%20.2%$0.02$-1.3B
Q3 FY25$1.8B+139.1%95.6%2.4%$-0.06$-71.8M
Q2 FY25$1.5B+5.0%89.8%1.7%$-0.01$-1.9B

Forward consensus

3-year forecast · up to 8 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$11.0B$10.8B – $11.3B$0.62$0.59 – $0.647
FY27$12.0B$11.6B – $12.4B$0.86$0.80 – $0.918
FY28$13.0B$12.3B – $13.9B$1.04$0.85 – $1.244

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.4%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-16.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-29.0%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 507.2M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today6.9% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β2.255-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellOct 2Jesse K BrayCEO92.3K sh$1.1MSellOct 1Jesse K BrayCEO132.7K sh$1.6MSellSep 15Jesse K BrayCEO225.0K sh$2.9M
+ 27 other (18 inkinds · 5 awards · 2 exempts · 2 others) in window

See when $RKT insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsAug 173
8-KOfficer or director changeAug 178-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
8-KPress release / Reg FDAug 68-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

Rocket Companies, Inc. (RKT) reported Q2 2026 financial results on 2026-08-06, reporting financial results details in attached press release. The press release notes: above to this Form 8-K is incorporated by reference in this. Additional items: Item 7.01. Quarterly earnings are a material disclosure; investors should review the full press release for segment details and management commentary.

8-KAgreement terminatedJul 168-K — Item 1.01: Material agreement · Item 1.02: Agreement terminated · Item 2.03: Material debt obligation
AI summary

Rocket Companies entered into a new $2.5 billion unsecured revolving credit facility with JPMorgan Chase as administrative agent, maturing July 2029, replacing prior credit arrangements. The unsecured structure reflects lenders' confidence in Rocket's cash flow generation and provides substantial liquidity for mortgage origination operations during periods of elevated volume.

8-KMaterial agreementJun 168-K — Item 1.01: Material agreement
AI summary

Rocket Companies, Inc. (RKT) entered into a material definitive agreement (Item 1.01) per an 8-K filed June 16, 2026. Body unavailable — excerpt cuts off before the specific agreement counterparty, terms, or financial details are disclosed.

8-KShareholder voteJun 108-K — Item 5.07: Shareholder vote
AI summary

Rocket Companies held its 2026 Annual Meeting on June 10, 2026. Three Class III directors (Varun Krishna, Matthew Rizik, Suzanne Shank) were elected for terms until the 2029 annual meeting; Rizik received the most withhold votes (~497M withheld vs. ~1.82B for). Ernst & Young LLP was ratified as independent auditor for fiscal year ending December 31, 2026. Stockholders also approved an amendment to the 2020 Team Member Stock Purchase Plan (TMSPP) to increase authorized shares. The TMSPP share increase is the most consequential outcome — it expands employee equity access — while Rizik's elevated withhold count is a governance signal worth noting.

8-KPress release / Reg FDMay 78-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

RKT reported first quarter ended March 31, 2026. A copy of the pre financial results (8-K Item 2.02). Investors should review the full earnings press release and any management guidance for forward outlook.

+ 12 other (4 13Gs · 2 10-Qs · 2 routine 8-Ks · 2 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Redfin Reports List Prices Fall for the First Time Since Marchprnewswire.com·2d agoRedfin Reports Home Sellers Now Outnumber Buyers By 63%, the Biggest Gap in at Least 13 Yearsprnewswire.com·3d agoStock Market Today, Oct. 13: Rate Pressures and Analyst Downgrades Weigh on Rocket Companiesfool.com·3d agoU.S. Pending Home Sales Sink Near 12-Year Lowprnewswire.com·5d agoIs Rocket Companies (RKT) Stock a Buy, Sell, or Hold Near Its 52-Week Low?fool.com·6d ago

In themes

Explore the broader themes this ticker is being talked about under.

Trending on XConsumer Fintech & Neobanks

More in Financial - Mortgages

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$FMCC$BETR$UWMC
Voices on X · top 1 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

PrivacyTermsSupport