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Rocket Companies

RKT NYSE Commercial & Residential Mortgage Finance Financials FY2018–FY2025

Rocket Companies' revenue rose 31.2% to $6.7 billion in fiscal 2025. Its net margin was −1.0%, down from 0.6% a year earlier. Free cash flow was −$4.0 billion. The diluted share count rose 837.6%.

Last close · Oct 23, 2026

$11.73

0.1%
Value it Compare
Revenue Total sales reported in the income statement.
$6.7B
31.2% vs prior year
Operating margin Operating income as a share of revenue.
—
Net income Profit after all expenses, interest and tax.
−$68.0M
334.5%
Free cash flow Cash from operations minus capital spending.
−$4.0B
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
—
Market cap Last close times the latest diluted share count, so it is approximate.
$33.4B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
—

About these figures. Rocket Companies' 2025 10-K does not report a gross profit figure, so gross margin is blank for 2025.

What Rocket Companies does

No business description yet.

Legal name
Rocket Companies, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
—
Accession · CIK
0001628280-26-013283
0001805284

Revenue and margins

Rocket Companies had $6.7B of revenue in fiscal 2025, up 31.3% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was −$4.0B in fiscal 2025, −60.0% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Rocket Companies returned $0.0M to shareholders in fiscal 2025. The diluted share count rose 837.6%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Rocket Companies yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Discounted cash flow

Value per share

—

Adds net cash of — and divides by 1,322.4M diluted shares. Ten years of cash flows plus a terminal value, discounted to today.

Balance sheet

Cash, debt and the ratios that show how comfortably Rocket Companies can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $2.1B$722M$1.1B$1.3B$2.7B
Interest coverage 15.6x3.3x−0.1x2.4x0.6x
Total assets $32.8B$20.1B$19.2B$24.5B$60.7B
Total liabilities $23.0B$11.6B$10.9B$15.5B$37.8B
Shareholders' equity $9.8B$8.5B$8.3B$9.0B$22.9B
Net debt (− = net cash) —————

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY23FY24FY25
Net income is positive ✕ ✓ ✕
Cash from operations is positive ✓ ✕ ✕
Return on assets rose ✕ ✓ ✕
Cash from operations exceeds net income ✓ ✕ ✕
Debt fell relative to assets — — —
Current ratio rose — — —
Share count didn't rise ✕ ✓ ✕
Gross margin rose ✕ ✓ —
Revenue rose relative to assets ✓ ✓ ✓
F-score — / 9— / 9— / 9
Accruals ratio −0.7%12.2%9.1%
Altman Z'' ———

Similar companies

Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Rocket Companies RKT $33.4B 31.3% — −60.0% — — —
Essent Group ESNT $6.1B 1.5% — 67.3% — 9.3x — Compare →
Brighthouse Financial BHF $2.6B 43.2% — — — 3.6x — Compare →
Hanover Insurance THG $8.5B 5.7% 14.2% 17.8% 21.3% 11.4x — Compare →
CME Group CME $109.6B 6.4% 64.9% 64.3% 11.9% 25.1x 7 Compare →

8 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $4.2B $5.1B $15.7B $12.9B $5.8B $3.8B $5.1B $6.7B
Gross profit $1.7B $2.1B $11.1B $8.3B $2.6B $1.3B $2.3B —
Interest expense $208M $256M $367M $423M $321M $379M $479M $596M
Pretax income $618M $904M $9.5B $6.2B $742M −$403M $668M −$214M
Income tax $3.2M $7.3M $132M $113M $42.0M −$13.0M $32.0M $20.0M
Net income $0.0M $0.0M $198M $308M $46.4M −$16.0M $29.0M −$68.0M
Diluted EPS — — $1.76 $2.32 $0.28 −$0.15 $0.21 −$0.05
Diluted shares — — 0.12B 1.99B 1.97B 1.98B 0.14B 1.32B
Cash flow
Cash from operations $1.4B −$7.0B −$1.7B $7.7B $10.8B $111M −$2.6B −$3.9B
Capital expenditure $64.5M $48.8M $106M $118M $93.1M $60.0M $68.0M $91.0M
Free cash flow $1.4B −$7.0B −$1.8B $7.6B $10.7B $51.0M −$2.7B −$4.0B
Depreciation and amortization $76.9M $75.0M $74.3M $74.7M $94.0M $88.0M $89.0M $104M
Stock-based compensation $33.6M $39.7M $136M $164M $216M $180M $145M $343M
Acquisitions $0.0M $0.0M $0.0M $1.2B $0.0M $0.0M $0.0M $2.3B
Share buybacks $0.0M $0.0M $0.0M $232M $178M $0.0M $0.0M $0.0M
Dividends paid $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Dividends and buybacks $0.0M $0.0M $0.0M $232M $178M $0.0M $0.0M $0.0M
Balance sheet
Cash and short-term investments $1.1B $1.4B $2.0B $2.1B $722M $1.1B $1.3B $2.7B
Finance lease liabilities $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Inventory $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Property and equipment, net — $176M $211M $254M $274M $251M $214M $260M
Total assets — $20.1B $37.5B $32.8B $20.1B $19.2B $24.5B $60.7B
Total liabilities — $16.6B $29.7B $23.0B $11.6B $10.9B $15.5B $37.8B
Shareholders' equity $2.8B $3.5B $7.9B $9.8B $8.5B $8.3B $9.0B $22.9B
Margins
Gross margin 39.7% 41.4% 70.7% 63.9% 44.5% 34.4% 45.3% —
EBITDA margin 21.4% 24.4% 63.7% 51.7% 19.8% 1.7% 24.2% 7.3%
Net margin 0.0% 0.0% 1.3% 2.4% 0.8% −0.4% 0.6% −1.0%
FCF margin 32.5% −138.6% −11.4% 59.1% 183.8% 1.3% −52.9% −60.0%
Returns
Return on equity — — 3.5% 3.5% 0.5% −0.2% 0.3% −0.4%
Return on assets — — 0.7% 0.9% 0.2% −0.1% 0.1% −0.2%
Growth
Revenue growth — 20.4% 208.7% −17.5% −54.8% −34.9% 34.3% 31.3%
Net income growth — — — 55.7% −84.9% −134.5% — −334.5%
EPS growth — — — 31.8% −87.9% −153.6% — −123.8%
FCF growth — −614.2% — — 40.7% −99.5% −5,390.2% —
Share count change — — — 1,611.5% −0.9% 0.5% −92.9% 837.6%
Financial health
Interest coverage 4.0x 4.5x 27.0x 15.6x 3.3x −0.1x 2.4x 0.6x
Capital allocation
Capex / revenue 1.5% 1.0% 0.7% 0.9% 1.6% 1.6% 1.3% 1.4%
Stock comp / revenue 0.8% 0.8% 0.9% 1.3% 3.7% 4.7% 2.8% 5.1%
Payouts / FCF 0.0% — — 3.0% 1.7% 0.0% — —
Quality scores
Accruals ratio — — 6.5% −21.2% −40.8% −0.7% 12.2% 9.1%

Source: SEC EDGAR XBRL filings (CIK 0001805284). Data updated October 23, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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