RKT · NYSE · STOCK
Rocket Companies (RKT) Stock Analysis
$11.47
52W $10.99 – $24.36
50/100
$32.42B
73.4
2.25
Is RKT Bullish or Bearish?
Mixed.
Innellis AI committee rates Rocket Companies, Inc. (RKT) Watch with a composite score of 50/100
, based on 6 analysts with 33% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +9.84 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 — -10.16 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 2796.97). 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
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- P/E of 68.9 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
- Daily trend (downtrend) conflicts with the weekly trend (uptrend) -- fighting the larger trend — Technical
- Current ratio of 0.21 is tight -- limited short-term liquidity cushion — Risk
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 10, 2026
Overall Committee Score
50/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 94%
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 68.9 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
46
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− 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
60
/ 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 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 49.4 to 50.2.
- New bearish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- News Analyst: score 55->60 (+4).
- Risk Analyst: +1 bearish signal(s).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
37.0
Neutral
MACD Histogram
0.005
Bullish Momentum
Trend Direction
Downtrend
Weekly: Uptrend
Market Structure
Mixed
Support
$10.94
Resistance
$15.97
Bollinger %B
0.23
Inside Bands
Price vs Moving Averages
EMA 9
$11.70
Below
EMA 21
$12.15
Below
EMA 50
$12.87
Below
EMA 200
$14.54
Below
Fundamental Analysis
Valuation
67
Growth
52
Profitability
31
Financial Health
27
Cash Flow
15
Valuation
P/E Ratio
73.4×
P/B Ratio
1.38×
PEG Ratio
-0.01
Dividend Yield
0.00%
52W High
$24.36
52W Low
$10.99
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 73.4 (rich relative to a 15-40x range); Price-to-book of 1.4x; 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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