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Financial Analysis

Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data

Fundamentals

Rocket Companies, Inc. RKT

· Financials · Mortgage Bankers & Loan Correspondents

Fundamentals
SEC EDGAR

Filing evidence summary

Caution evidenceCoverage 1/5 core metrics

Latest reported free cash flow was -$4.0B.

Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.

Evidence signals

  • Free cash flow was negative

    Latest reported free cash flow was -$4.0B.

    Why this surfaced

    Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.

  • No current rule-based risk flags

    1 filing-based checks were evaluable.

    Why this surfaced

    The full financial analysis shows each value, threshold, and sector limitation.

Core trend metrics

Free cash flow
-$4.0B
as of 2025-12-31

Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.

Where to look next

Risk checks

0of 1 rule-based checks flagged

Financial movement

  • Cash→ flat
  • Long-term debt→ flat
  • Inventory→ flat
  • Receivables→ flat
  • Current assets→ flat

Source & freshness

Source
SEC EDGAR XBRL
Fetched
2026-09-06
Latest period end
2025-12-31
Filings
EDGAR ↗

Reported segment mix

figures as filed · share of the filed sum · change vs the prior period in the same filing
Fiscal year ending 2025-12-3110-K filed 2026-03-02prior period 2024-12-31 from the same filingView filing
By product or service
Revenue
  • Subscription Revenue$351M
    37.3%
    +31.5% yoy
  • Real Estate Brokerage$341M
    36.3%
    no prior
  • Closing Fees$139M
    14.8%
    +31.1% yoy
  • Real Estate Network Referral$56M
    6.0%
    +3.7% yoy
  • Appraisal Revenue$41M
    4.4%
    +13.9% yoy
  • Real Estate Exchange Revenue$12M
    1.3%
    no prior

No consolidated figure stored for this period; shares are of the filed sum.

Latest quarter
Quarter ending 2026-03-3110-Q filed 2026-05-12prior period 2025-03-31 from the same filingView filing
  • Real Estate Brokerage$138M
    42.5%
    no prior
  • Subscription Revenue$103M
    31.7%
    +21.2% yoy
  • Closing Fees$49M
    15.1%
    +104.2% yoy
  • Real Estate Exchange Revenue$15M
    4.6%
    no prior
  • Appraisal Revenue$11M
    3.4%
    +22.2% yoy
  • Real Estate Partner Revenue$9M
    2.8%
    -10.0% yoy

Change is against the same quarter a year earlier, as reported in the same 10-Q.

Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.

Peer percentiles

latest fiscal year ending 2025-12-31 · among 4,096 US-listed filers · 895 in Financials
MetricValuevs all filersvs sector
Return on equity
net income ÷ stockholders' equity (positive equity only)
-0.3%
42ndof 3,577
middle third
21stof 774
bottom third
Cash-flow accrual ratio
(net income − operating cash flow) ÷ average total assets · lower is ranked higher
9.1%
4thof 3,193
bottom third
3rdof 751
bottom third
Balance-sheet accrual ratio
change in net operating assets ÷ average net operating assets · lower is ranked higher
88.9%
10thof 2,719
bottom third
11thof 686
bottom third

Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.

Earnings quality

latest fiscal year ending 2025-12-31 · accruals and cash conversion as filed
Cash conversion
-
operating cash flow ÷ net income, latest fiscal year
Cash-flow accrual ratio
9.1%
(net income − operating cash flow) ÷ average total assets
Balance-sheet accrual ratio
88.9%
change in net operating assets ÷ average net operating assets
Cash-backed years
3 of 5
fiscal years where operating cash flow met or exceeded net income
Mean cash conversion
55.87×
across the stored fiscal years with positive net income

Per fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.

Point-in-time ledger

first-reported vs latest filing · periods since 2020-01-01 · 17 changed periods
Line itemPeriodFirst reportedLatest filingChangeFilings
Net income
NetIncomeLoss
quarter 2020-06-30$3.46B
10-Q 2020-09-02
$0
10-Q 2021-08-13
-100.0%first · latest · 3 filings carry it
Share repurchases
PaymentsForRepurchaseOfCommonStock
fiscal year 2020-12-31$2.02B
10-K 2021-03-24
$0
10-K 2023-03-01
-100.0%first · latest · 3 filings carry it
Equity issued
ProceedsFromIssuanceOfCommonStock
fiscal year 2020-12-31$6.71M
10-K 2021-03-24
$0
10-K 2023-03-01
-100.0%first · latest · 3 filings carry it
Capital expenditure
PaymentsToAcquirePropertyPlantAndEquipment
quarter 2023-03-31$23.8M
10-Q 2023-05-10
$18.2M
10-Q 2024-05-07
-23.6%first · latest
Net income
NetIncomeLoss
quarter 2025-06-30-$1.78M
10-Q 2025-08-08
-$2M
10-Q 2026-08-07
-12.0%first · latest
Net income
NetIncomeLoss
quarter 2025-03-31-$10.4M
10-Q 2025-05-09
-$10M
10-Q 2026-05-12
+3.7%first · latest
Goodwill
Goodwill
balance at 2024-12-31$1.1B
10-K 2025-03-03
$1.14B
10-K 2026-03-02
+3.3%first · latest
Goodwill
Goodwill
balance at 2022-12-31$1.14B
10-K 2023-03-01
$1.1B
10-K 2024-02-27
-3.2%first · latest
Net income
NetIncomeLoss
fiscal year 2023-12-31-$15.5M
10-K 2024-02-27
-$16M
10-K 2026-03-02
-3.1%first · latest · 3 filings carry it
Cash
CashAndCashEquivalentsAtCarryingValue
balance at 2020-06-30$1.72B
10-Q 2020-09-02
$1.77B
10-Q 2021-08-13
+2.9%first · latest
Depreciation and amortization
DepreciationAndAmortization
quarter 2025-06-30$27.5M
10-Q 2025-08-08
$27M
10-Q 2026-08-07
-1.9%first · latest
Net income
NetIncomeLoss
fiscal year 2024-12-31$29.4M
10-K 2025-03-03
$29M
10-K 2026-03-02
-1.3%first · latest
Equity issued
ProceedsFromIssuanceOfCommonStock
quarter 2025-03-31$8.09M
10-Q 2025-05-09
$8M
10-Q 2026-05-12
-1.1%first · latest
Equity issued
ProceedsFromIssuanceOfCommonStock
fiscal year 2024-12-31$40.6M
10-K 2025-03-03
$41M
10-K 2026-03-02
+1.0%first · latest
Capital expenditure
PaymentsToAcquirePropertyPlantAndEquipment
fiscal year 2024-12-31$67.5M
10-K 2025-03-03
$68M
10-K 2026-03-02
+0.7%first · latest
Operating cash flow
NetCashProvidedByUsedInOperatingActivities
fiscal year 2023-12-31$110M
10-K 2024-02-27
$111M
10-K 2026-03-02
+0.6%first · latest · 3 filings carry it
Capital expenditure
PaymentsToAcquirePropertyPlantAndEquipment
fiscal year 2023-12-31$60.3M
10-K 2024-02-27
$60M
10-K 2026-03-02
-0.6%first · latest · 3 filings carry it

First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.

Notes by disclosure type

Not available for RKT yet: no footnote text blocks on file for this filer in the ingested DERA files.

Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.

Educational content only. Not financial advice. TrendNalysis provides educational and informational financial analysis built from public SEC filings and economic data (FRED, BLS). It is not financial, investment, tax, or legal advice and is not a recommendation to buy or sell any security. Market pricing is not currently included. Past performance does not guarantee future results. Always do your own research and consult a licensed financial professional before investing.