RKT · NYSE · STOCK
Rocket Companies (RKT) Stock Analysis
$10.96
52W $10.78 – $24.36
49/100
$30.58B
69.2
2.25
Is RKT Bullish or Bearish?
Mixed.
Innellis AI committee rates Rocket Companies, Inc. (RKT) Watch with a composite score of 49/100
, based on 6 analysts with 33% agreement.
Last updated October 14, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +11.04 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -8.96 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Portfolio Manager remains cautious — sector concentration is already high (hhi 2802.55). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Revenue growing 98.8% YoY -- genuine top-line momentum — Growth
- Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- P/E of 65.7 is expensive by classic value standards — Value
- ROE of only 2.4% -- cheap may mean cheap for a reason — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Price structure making lower highs and lower lows — Technical
- RSI at 26 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 14, 2026
Overall Committee Score
49/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 96%
of 211 Financial Services peers
Value Analyst
bearish
35
/ 100 · Moderate confidence
Multiples don't clear a genuine value bar here, or cheapness looks justified by weak fundamentals
− P/E of 65.7 is expensive by classic value standards
Growth Analyst
bullish
60
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 98.8% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
41
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement
− Price structure making lower highs and lower lows
Risk Analyst
bearish
35
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.21 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2802.55)
Investment Thesis Evolution
Committee score moved marginally from 51.8 to 49.0.
- New bearish signals: 4 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- Bearish pressure eased: 4 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 80->65 (-15).
- Portfolio Manager: +1 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-10-13 to 2026-10-14 (1 day apart).
Technical Analysis
RSI (14)
22.5
Oversold
MACD Histogram
-0.064
Bearish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Mixed
Bollinger %B
-0.03
Below Lower Band
Price vs Moving Averages
EMA 9
$11.22
Below
EMA 21
$11.79
Below
EMA 50
$12.63
Below
EMA 200
$14.43
Below
Fundamental Analysis
Valuation
67
Growth
52
Profitability
31
Financial Health
27
Cash Flow
15
Valuation
P/E Ratio
69.2×
P/B Ratio
1.30×
PEG Ratio
-0.01
Dividend Yield
0.00%
52W High
$24.36
52W Low
$10.78
Quality & Growth
ROE
-29.7%
ROA
-11.2%
Gross Margin
8992.0%
Operating Margin
2019.2%
Revenue Growth YoY
—
Debt / Equity
1.41
AI Fundamental Assessment
P/E ratio of 69.2 (rich relative to a 15-40x range); Price-to-book of 1.3x; PEG ratio of -0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of -0.3%; Return on assets of -0.1%; Net margin of 4.9%; Gross margin of 89.9%; Current ratio of 0.54 (tight short-term liquidity); Debt-to-equity of 1.41; Free cash flow per share is negative (-0.27); Most recent quarter missed estimates by 5.3%; EPS growth decelerating (+36.4% -> +6.7% QoQ); Analyst estimates rising over recent quarters
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