Rocket Companies

RKT

Financial - Mortgages · Financial Services

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Mixed

Cash Flow

Weak

Stability

Weak

Valuation

Good

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Winston Score History

The full picture

Rocket Companies is one of the largest mortgage lenders in the United States. It helps people borrow money to buy or refinance homes, mostly through its well-known Rocket Mortgage brand. The company operates almost entirely online, making it one of the biggest digital mortgage platforms in the country.

Rocket makes money by originating home loans and then selling most of them to investors, keeping a fee in the process. It also earns revenue from mortgage servicing, meaning it collects monthly payments on behalf of loan owners and charges a small fee for that service. Rocket operates almost exclusively in the U.S. and its main competitive edge is its technology platform, which makes applying for a mortgage faster and easier than traditional banks. The biggest risk the company faces is interest rate sensitivity — when rates rise, fewer people refinance their homes, which can sharply reduce loan volume and revenue.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+105.8% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+869.2% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

75.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$3.1B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Rocket Companies grew revenue 106% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

-81.9%

Thin — -81.9% gross margin

Profit after running costs

Operating Margin

-25.1%

Losing money on operations — -25.1%

Return on the money invested

ROCE

2.3%

Weak — 2.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

+94.9%

Fast-growing sales (+94.9% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

-163%

Weak — only -163% of profit becomes cash

Spare cash per sale

FCF Margin

-13.9%

Burning cash (-13.9%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

0.43x

Dangerous — barely covers interest (0.4x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

89.1x

no trend

Expensive — P/E 89.1

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

+65.8

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (89.1 → 23.2)

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Dividends

Not applicable for this business.

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