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RKRKT

Rocket Companies, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 149% YoY at strong marginsStreet coverage with positive forward estimatesConsistent chatter on X (115/wk), no spike
$RKT·$39B·Financial - Mortgages·Financial Services
$13.77-3.3%YTD-27.6%1Y-23.0%
Mentions · last 7 days
2026-08-21: 14 posts2026-08-22: 15 posts2026-08-23: 7 posts115+1%
Price updated 2d ago·X counts updated 7d ago
RKRKT
$RKTRocket Companies, Inc.
$13.77-3.30%115 posts+1%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $RKT, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptStalledAI verdict · as of 2026-08-30

The move has stalled — likely just drifts unless something new shows up.

Rocket Companies down 28% YTD despite Q1 revenue almost tripling — the FHFA / Redfin M&A angle is what keeps the story alive.

Rocket Companies is the largest US non-bank mortgage originator plus a growing platform business (Redfin, servicing). It's stuck in a difficult mortgage cycle, but recent policy signals plus the M&A pipeline are the reason to look again.

How the setup reads:

  • Revenue explodes from a low base: Q1 revenue grew 149% year-on-year to $2.74B (largely from Redfin and Mr. Cooper consolidation) — organic growth much more modest; op margin at 27%.
  • Policy catalyst is real: FHFA Pulte 'getting there with Fannie Mae', Freddie Mac cutting fees / red tape, USFTMC (Fannie+Freddie Texas TopCo) chatter with $563B base valuation — structural tailwinds.
  • Valuation is optically expensive but mortgage-cycle math: 149x earnings on a cycle-bottom EPS — forward multiples compress if origination volumes recover with rates.
  • Position stalled at the lows: 13th percentile 52w, 3% below the 50-day, 15% below the 200-day on 87% baseline volume — done selling, not buying.
  • Insider signal quiet: one director award (Watterson) — no distribution.
  • Weak new-home-sales concern is real — until existing-home turnover accelerates, origination growth stays challenged.

The October 29 print is what breaks the stall — origination-volume growth combined with Redfin-integration synergies plus FHFA policy commentary keeps the recovery alive; another quarter of soft volumes with tight refinance economics keeps RKT stuck below $15.

Agrees with X sentimentAgree — the bull anchors (FHFA Pulte commentary, Freddie Mac fee cuts, USFTMC $563B base valuation, 4pt consolidation near $14.5 breakout) are real policy and technical signals; the minority weak-new-home-sales concern is fair and is the counterweight to the multi-quarter recovery thesis.

What to watch: October 29 earnings — origination-volume growth plus Redfin-integration synergies plus FHFA policy commentary keeps the recovery alive; another quarter of soft volumes with tight refinance economics keeps RKT stuck below $15.

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

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment15 posts analyzed · as of 2026-08-30

Rocket Companies' thread leans bullish on rate-hopes and regulatory tailwinds. Posters flag FHFA Director Pulte cutting Freddie Mac fees and red tape (with 'we are getting there with Fannie Mae' as the next shoe), an ending LLPA review, an Oksenholt USFTMC Texas TopCo proposal worth a $563B base valuation, and RKT looking attractive on an unusual divergence with the 10 and 30-year. Skeptics flag boomers cashing out, homes sitting, prices ~10% below spring 2025 highs and 'another round of layoffs' likely.

Read the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
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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 volume is directly rate-sensitive; refi activity is minimal at current rates while purchase originations depend on housing turnover. A rate cut cycle would be the most significant catalyst for volume recovery.

What this means for $RKT

Partial — insurance earnings follow combined ratio and investment income dynamics, partially correlated to industry macro; Rocket Companies, Inc.

Top industry ETF

$XLFFinancial Select Sector SPDR
+5.6%YTD
+7.9%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 $0.16

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$11.5B$11.0B – $12.0B$0.67$0.60 – $0.898
FY27$12.7B$11.8B – $13.9B$0.98$0.86 – $1.288
FY28$13.3B$12.5B – $13.7B$1.11$0.91 – $1.325

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.13%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.-3.1%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.-15.3%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 today4.6% 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.β2.215-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

No open-market buys or sells in the last 180 days.

+ 35 other (17 inkinds · 13 awards · 2 exempts · 2 others · 1 gift) 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
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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.

+ 13 other (5 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 New Listings Hit 4-Month High While Demand Slips, Giving Serious Buyers Chance to Get a Deal Doneprnewswire.com·4d agoCarter's highlighted as Zacks Bull and Agnico Eagle Bear of the Dayzacks.com·5d agoHow Will Redfin Settlement Open Growth Avenues for Rocket?zacks.com·6d agoRocket Money's Rowan Rewrites What AI Can Do in Personal Financeprnewswire.com·6d agoFTC Resolution Preserves Redfin's Zillow Rental Partnership and Clears the Way for Company's Standalone Rentals Businessprnewswire.com·7d ago

In themes

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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.

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