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RKRKT

Rocket Companies, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 149% YoY at strong marginsCatalyst pendingConsistent chatter on X (307/wk), no spike
$RKT·$37B·Financial - Mortgages·Financial Services
$13.05+2.1%YTD-33.1%1Y-12.2%
Mentions · last 7 days
2026-07-18: 6 posts2026-07-19: 29 posts2026-07-20: 28 posts2026-07-21: 49 posts2026-07-22: 26 posts2026-07-23: 101 posts2026-07-24: 65 posts307-46%
Price updated 1d ago·X counts updated 1d ago
RKRKT
$RKTRocket Companies, Inc.
$13.05+2.11%307 posts-46%
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.

Hinges on a big eventEvent coming upAI verdict · as of 2026-07-25

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Rocket Companies is down 33% YTD with mortgage volumes finally recovering — August 6 earnings decides if the rate-cut trade is here.

Rocket Companies is the largest US retail mortgage lender — Rocket Mortgage plus Rocket Money and other consumer finance products. Shares are down 33% year-to-date at the 7th percentile of the 52-week range, but the operating trajectory says the mortgage cycle is genuinely recovering — the tape just doesn't yet believe it will last.

  • Revenue trajectory is genuinely inflecting: Q1 revenue grew 149% year-over-year to $2.74B with 89% gross margin — the specific pattern of a mortgage business coming out of a 2023-2024 volume trough as rates ease and refinance activity picks up, and why Morgan Stanley's AI-mortgage-refi thesis has real backing.
  • The Morgan Stanley note is the specific institutional catalyst: their commentary that AI could add hundreds of billions in refinancing volume across the $14T US mortgage market is a direct read-through to Rocket's origination pipeline — Rocket has been the most aggressive AI-tech adopter among pure-play mortgage originators.
  • Balance sheet just got materially better: the July 16 $2.5B unsecured revolving credit facility with JPMorgan (maturing 2029) is investment-grade-adjacent liquidity — the unsecured structure signals lender confidence in Rocket's credit profile, supporting the FY26 origination ramp.
  • Valuation on trailing numbers looks stretched but reflects the trough: 149x trailing PE looks silly, but on the reset FY26 EPS run-rate (~$0.65 estimated forward EPS), the multiple compresses to 20x — reasonable for a business at the front of a multi-quarter volume recovery cycle.

August 6 Q2 earnings is the near-term hinge — a beat with continued volume acceleration plus commentary that the Fed-cut refinancing wave is landing restarts the tape toward the mid-teens; a soft print or a guide reduction extends the underperformance. Real risk is a Fed-decision-timing pushout that delays the refi wave into 2027.

What to watch: August 6 Q2 2026 earnings — the deciding numbers are Q2 origination volume, FY26 revenue guidance, and refinancing-mix commentary; a Fed-cut timing pushout or a soft Q2 origination print is what extends the underperformance.

On the calendar: 2026-08-06 — Q2 2026 earnings

X sentiment

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

Bullish sentiment18 posts analyzed · as of 2026-07-25

$RKT in this window is largely the crypto-meme launched by BankrBot paired with GME on Robinhood Chain — Roaring Kitty branding with fees redirected to RKT. Community bulls stack GME/RKT positions and target multi-million market caps as GME runs. In the small equity thread, Morgan Stanley calls AI transformation of the $14T US mortgage market as bullish for LEN/RKT/DHI/OPEN. UWMC's CEO commentary is being amplified as a positive read-through for the group. Direction reads decisively long across both threads.

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

No material change from last week — ~75% of outstanding mortgages carry sub-4% rates, locking homeowners in place and compressing refinance and purchase origination.

What this means for $RKT

Partial — Operates Rocket Mortgage, the largest US retail mortgage originator, leveraging technology for fast digital origination and refinancing; partial earnings exposure to financial - mortgages demand dynamics through its product portfolio.

Top industry ETF

$XLFFinancial Select Sector SPDR
+2.7%YTD
+6.1%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
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%
Q2 2025Jul 31, 2025$0.04$0.03+46.5%
Next earningsThu, Jul 30·consensus EPS $0.17

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$11.6B$11.1B – $12.3B$0.70$0.60 – $0.898
FY27$12.9B$12.0B – $13.8B$1.03$0.87 – $1.308
FY28$13.5B$13.4B – $13.5B$1.13$0.74 – $1.605

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.0.8×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.7%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.-6.7%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.-21.4%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 today5.5% 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.β2.185-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.

+ 36 other (19 inkinds · 12 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

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.

8-KPress release / Reg FDFeb 268-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
+ 12 other (3 13Gs · 2 routine 8-Ks · 2 proxys · 1 NT 10-Q) in window

Recent news

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

Rocket Companies to Announce Second Quarter 2026 Results on August 6, 2026prnewswire.com·2d agoRocket Companies (RKT) Earnings Expected to Grow: What to Know Ahead of Q2 Releasezacks.com·3d agoXLF vs. KBE: Which Financial ETF Is the Better Buy?fool.com·3d agoMost Americans Say “Not in My Backyard” to AI Data Centersbusinesswire.com·4d agoRedfin Reports U.S. Home Prices Rose 0.3% From a Month Earlier in Junegurufocus.com·5d ago

In themes

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

Trending on XConsumer Fintech & Neobanks

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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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