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RKTRocket Companies, Inc.Buy Wait6.2·$13.99+7.08%
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Rocket Companies, Inc. (RKT) Stock Analysis

Recovery setup

Buy WaitVALUE-TRAP 1/5Moderate Confidence

Financial Services · Mortgage Finance

Wait for pullback to $13.89. BUY gates pass at $13.99, but concentration risk — Counterparty: Fannie Mae and Freddie Mac and leverage penalty (D/E 1.4): -0.5 argue for a more patient entry. Engine's entry $13.89 (Gap Fill 50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum.

Rocket Companies is a Detroit-based fintech operating Rocket Mortgage (nation's largest mortgage lender by units and servicer with $2.1T portfolio UPB), Redfin real estate brokerage, and Rocket Close title services. Revenue comes from gain-on-sale of loans, mortgage servicing... Read more

$13.99+28.7% A.UpsideScore 6.2/10#1 of 4 Mortgage Finance
QualityF-score5 / 9FCF yield-11.63%
Entry $13.89(Gap Fill 50 Sticky)Stop $12.39Target $17.45(analyst − 13%)A.R:R 1.9:1Setup A.R:R 4.1:1
Analyst target$20.05+43.3%13 analysts
$17.45our TP
$13.99price
$20.05mean
$25

Wait for pullback to $13.89. BUY gates pass at $13.99, but concentration risk — Counterparty: Fannie Mae and Freddie Mac and leverage penalty (D/E 1.4): -0.5 argue for a more patient entry. Engine's entry $13.89 (Gap Fill 50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Chart setup: Death cross but MACD improving, RSI 50. Maintain position. Not compelling to add more. | News modifier +1 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 6.2/10, moderate confidence.

Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 45d clear, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-15
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 30, 202645d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Earnings estimates trending UP
Strong growth profile
Risks
Concentration risk — Counterparty: Fannie Mae and Freddie Mac
Leverage penalty (D/E 1.4): -0.5
Below 200-MA, MA slope -2.6%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)
P/E (Fwd)12.0
Mkt Cap$37.0B
EV/EBITDA34.3
Profit Mgn2.7%
ROE1.7%
Rev Growth167.1%
Beta2.20
DividendNone
Rating analysts21

Quality Signals

Piotroski F5/9MoatNarrow

Options Flow

P/C1.30bearish
IV71%elevated
Max Pain$29+107.3% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHcounterpartyFannie Mae and Freddie Mac
    10-K Item 1A: 'Our business is highly dependent on Fannie Mae and Freddie Mac and certain U.S. government agencies and any changes in these entities or their current roles could be detrimental to our business.'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

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Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

2 floor-breakers·1 ceiling hit

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

52w Position
1.5
Support Resistance
3.0
Gap
3.0
Bollinger
3.1
Extreme gap up (6.6%) - may pull back

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Value Rank
0.0
Quality Rank
1.3
Growth Rank
7.5
GatesDeath cross (50MA < 200MA)Momentum 5.9>=5.5A.R:R 1.9 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 45d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Aggressive
RSI
50 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $12.17Resistance $14.79

Price Targets

$12
$14
$17
A.Upside+24.7%
A.R:R1.9:1
Setup A.R:R (at entry)4.1:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! NEWS_MOD=+1: HOLD_IF_HOLDING → STRONG_BUY_WAIT

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-30 (45d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is RKT stock a buy right now?

Wait for pullback to $13.89. BUY gates pass at $13.99, but concentration risk — Counterparty: Fannie Mae and Freddie Mac and leverage penalty (D/E 1.4): -0.5 argue for a more patient entry. Engine's entry $13.89 (Gap Fill 50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Chart setup: Death cross but MACD improving, RSI 50. Maintain position. Not compelling to add more. | News modifier +1 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $17.45 (+24.7%), stop $12.39 (−12.9%), Setup A.R:R 4.1:1. Score 6.2/10, moderate confidence.

What is the RKT stock price target?

Take-profit target: $17.45 (+28.7% upside). Target $17.45 (+24.7%), stop $12.39 (−12.9%), Setup A.R:R 4.1:1. Stop-loss: $12.39.

What are the risks of investing in RKT?

Concentration risk — Counterparty: Fannie Mae and Freddie Mac; Leverage penalty (D/E 1.4): -0.5; Below 200-MA, MA slope -2.6%/30d (confirmed downtrend).

Is RKT overvalued or undervalued?

Rocket Companies, Inc. trades at a P/E of N/A (forward 12.0). TrendMatrix value score: 6.8/10. Verdict: Buy (Wait for Entry).

What do analysts say about RKT?

21 analysts cover RKT with a consensus score of 3.8/5. Average price target: $20.

What does Rocket Companies, Inc. do?Rocket Companies is a Detroit-based fintech operating Rocket Mortgage (nation's largest mortgage lender by units and...

Rocket Companies is a Detroit-based fintech operating Rocket Mortgage (nation's largest mortgage lender by units and servicer with $2.1T portfolio UPB), Redfin real estate brokerage, and Rocket Close title services. Revenue comes from gain-on-sale of loans, mortgage servicing income, and software/services fees across ~23,500 team members.

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