What is the 13F Pro Quality Score for RKT?

13F Pro ranks Rocket Companies, Inc. (RKT) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View RKT's current score at https://13fpro.ai/company/RKT (free sign-up required for the full ranking).

Which hedge funds own the most RKT stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of RKT include Capital World Investors, BlackRock,, PRICE T ROWE ASSOCIATES /MD/. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/RKT as soon as new 13F filings post.

Where does 13F Pro source RKT data?

All Rocket Companies, Inc. fundamentals and ownership data come directly from SEC EDGAR. Rocket Companies, Inc. files with the SEC under CIK 1805284. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is RKT in?

Rocket Companies, Inc. (RKT) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives RKT's revenue?

Per Rocket Companies, Inc.'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Gain on sale of loans, net ($1.2B, +48% YoY); Loan servicing income, net ($450M, +123% YoY); Interest income ($583M, +146% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/RKT.

What are RKT's largest expenses?

Rocket Companies, Inc.'s latest 10-Q reports these as the largest expense items: Salaries, commissions and team member benefits ($1.0B, +69% YoY); General and administrative expenses ($568M, +98% YoY); Depreciation and amortization ($145M, +437% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is RKT research updated on 13F Pro?

RKT's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Rocket Companies, Inc.(RKT)Stock Analysis

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SEC EDGAR: CIK 1805284 RKT stock profile & AI dashboard →

13F Pro Quality Score

74.2/100

Rank #114 of 2,961 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

91.0/100

Profitability

61.9/100

Balance Sheet

42.8/100

Earnings Quality

4.3/100

Free Cash Flow

18.1/100

Institutional Flow

95.4/100

Revenue Scale

86.4/100

Dilution Risk

24.5/100

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Why RKT Scores 74/100

exact factor attribution · 2026-09-11

RKT's composite is driven by revenue growth and scale, held back by free cash flow and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.9 pts

91th pct

Scale

+7.3 pts

86th pct

Earnings growth

+3.3 pts

99th pct

Institutional flow

+3.0 pts

95th pct

Profitability

+2.4 pts

62th pct

Capital efficiency

-1.0 pts

43th pct

Shareholder dilution

-1.7 pts

25th pct

Earnings quality

-4.6 pts

4th pct

Free cash flow

-4.8 pts

18th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

RKT Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Rocket Companies, Inc. (RKT), a Financials sector company. 13F Pro's AI-powered ranking engine scores RKT at 74.2/100 on a 32-signal composite quality model, placing it at rank #114 of 2,961 stocks — the top 5% of the AI-ranked universe. RKT scores in the top quartile across institutional flow (95.4), revenue growth (91.0), revenue scale (86.4). Areas of concern include earnings quality (4.3) and free cash flow (18.1), which score below median versus the broader universe. Shareholder dilution risk is elevated at 24.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Rocket Companies, Inc. reports quarterly revenue of $2.8B, net income of $230.0M, free cash flow of $-1.2B. Top institutional holders of RKT by reported 13-F value include Capital World Investors, BlackRock, PRICE T ROWE ASSOCIATES, based on the most recent SEC filings. RKT trades on the NYSE exchange and files with the SEC under CIK 1805284. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate RKT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Rocket Companies, Inc. directly from SEC EDGAR.

✦

Fun facts about Rocket Companies, Inc.

Quirks, history, and lore behind RKT — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · large-cap · listed on the NYSE · headquartered in Michigan.
2
The Numbers
One of the largest mortgage originators in the United States, closing hundreds of billions of dollars in home loans annually at its peak.
3
The History
Founded in 1985 in Detroit, it spent decades as a privately held giant before going public in a splashy 2020 IPO — one of the largest that year.
4
The Secret
Its business is essentially a giant bet on interest rates — when rates fall, it mints money; when they rise, volume dries up fast.
5
The Lore
Its founder Dan Gilbert has also spent billions buying up downtown Detroit real estate and owns the Cleveland Cavaliers NBA franchise.
6
The Giveaway
Its parent brand is synonymous with online mortgage lending, and it literally named itself after a rocket — because getting a home loan should feel like a launch, not a slog.

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What's Driving RKT's Business? Latest 10-Q Breakdown

AI-extracted from Rocket Companies, Inc.'s 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Rocket Companies delivered net income of $230M on $2.8B total revenue in Q2 2026, boosted by 69% YoY closed loan volume growth to $49.1B and expanded servicing portfolio from acquisitions.

Biggest Revenue Drivers

Gain on sale of loans, net$1.2B+48% YoY

Increase in mortgage production volume with gain on sale margin of 2.48% vs. 2.80% prior year, reflecting Correspondent channel mix shift.

Loan servicing income, net$450M+123% YoY

Servicing fee income increased $665M to $1.1B driven by larger average portfolio from Mr. Cooper acquisition; Change in fair value of MSRs negative $616M reflecting portfolio collection/realization.

Biggest Revenue Drivers

Total revenue: $2.8B+92% YoY

Gain on sale of loans, net$1.2B+48% YoY

Increase in mortgage production volume with gain on sale margin of 2.48% vs. 2.80% prior year, reflecting Correspondent channel mix shift.

Loan servicing income, net$450M+123% YoY

Servicing fee income increased $665M to $1.1B driven by larger average portfolio from Mr. Cooper acquisition; Change in fair value of MSRs negative $616M reflecting portfolio collection/realization.

Interest income$583M+146% YoY

Custodial deposit income associated with larger average servicing portfolio and higher mortgage loan origination volume.

Other income$546M+179% YoY

Real estate services revenue increased $246M from Redfin transactions; Rocket Close revenue up $44M; Rocket Money revenue up $20M.

Largest Expense Items

Salaries, commissions and team member benefits$1.0B+69% YoY

Increased variable compensation from higher origination volume plus expenses for additional team members from acquisitions.

General and administrative expenses$568M+98% YoY

Acquisition-related expenses and increased variable costs associated with higher origination volume.

Depreciation and amortization$145M+437% YoY

Increase in amortization of intangible assets from Redfin and Mr. Cooper acquisitions.

Margins: Operating margin improved significantly: Q2 2026 generated $281M income before taxes on $2.8B revenue (10.1% margin) versus $24M on $1.5B revenue (1.7%) in Q2 2025. Adjusted EBITDA surged to $766M from $172M, reflecting strong origination leverage and acquisition integration benefits, though modest margin compression in Gain on sale margin from 2.80% to 2.48% due to Correspondent channel mix.

Watch Items from the Filing

Pending HouseCanary litigation: March 2026 jury verdict awarded $175M damages to HouseCanary on misappropriation/fraud claims; Rocket Close recorded $103M reserve as of June 30, 2026 versus $74M at December 31, 2025. Outcome uncertain; judgment not yet entered.
MSR portfolio represents $18.9B fair value asset exposed to interest rate and prepayment risks; 1.37% delinquency rate among 1.2T UPB serviced loans; 100 BPS OAS increase would reduce value by $692M.
Correspondent channel contributed $10.2B (21% of net rate lock volume) in Q2 2026 with only 0.19% gain on sale margin versus 4.13% for DTC, indicating channel profitability pressure.
Strong liquidity position of $11.2B as of June 30, 2026 ($3.1B cash plus $2.3B undrawn credit and $5.8B undrawn MSR/advance lines); company in compliance with all regulatory minimum net worth and capital requirements.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$2.8B

Net Income

Q2 2026

$230.0M

Free Cash Flow

Q2 2026

$-1.2B

ROIC

Q2 2026

3.3%

D/E Ratio

Q2 2026

0.46

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+31.2% YoY

$6.70BFY 2025

FY22 $5.84BFY23 $3.80BFY24 $5.10BFY25 $6.70B

Net Income

-334.5% YoY

$-68.0MFY 2025

FY22 $46.4MFY23 $-16.0MFY24 $29.0MFY25 $-68.0M

EPS (Diluted)

-123.8% YoY

$-0.05FY 2025

FY22 $0.28FY23 $-0.15FY24 $0.21FY25 $-0.05

Total Assets

+147.6% YoY

$60.69BFY 2025

FY22 $20.08BFY23 $19.23BFY24 $24.51BFY25 $60.69B

Total Debt

$10.42BFY 2025

FY22 —FY23 —FY24 —FY25 $10.42B

Op. Cash Flow

-49.3% YoY

$-3.93BFY 2025

FY22 $10.82BFY23 $111.0MFY24 $-2.63BFY25 $-3.93B

Free Cash Flow

-48.9% YoY

$-4.02BFY 2025

FY22 $10.73BFY23 $51.0MFY24 $-2.70BFY25 $-4.02B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$6.70B +31.2%	$5.10B +34.3%	$3.80B -34.9%	$5.84B -54.8%	$12.91B -17.5%	$15.65B
Net Income	$-68.0M -334.5%	$29.0M +281.3%	$-16.0M -134.5%	$46.4M -84.9%	$308.2M +55.7%	$198.0M
EPS (Diluted)	$-0.05 -123.8%	$0.21 +240.0%	$-0.15 -153.6%	$0.28 -87.9%	$2.32 +31.8%	$1.76
Total Assets	$60.69B +147.6%	$24.51B +27.4%	$19.23B -4.2%	$20.08B -38.7%	$32.77B -12.7%	$37.53B
Total Debt	$10.42B	—	—	—	—	—
Operating Cash Flow	$-3.93B -49.3%	$-2.63B -2469.4%	$111.0M -99.0%	$10.82B +39.8%	$7.74B +561.7%	$-1.68B
Free Cash Flow	$-4.02B -48.9%	$-2.70B -5390.2%	$51.0M -99.5%	$10.73B +40.7%	$7.63B +527.5%	$-1.78B

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Available Research

13F Pro tracks comprehensive data for Rocket Companies, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of RKT

Capital World Investors
$1.1B69,332,560 sh
BlackRock, Inc.
$1.1B69,066,062 sh
PRICE T ROWE ASSOCIATES INC /MD/
$870.5M55,269,619 sh
FMR LLC
$820.0M52,060,648 sh
VANGUARD CAPITAL MANAGEMENT LLC
$672.4M42,689,718 sh
ValueAct Holdings, L.P.
$656.3M41,668,774 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$637.9M40,503,401 sh
Capital International Investors
$526.2M33,407,832 sh
MORGAN STANLEY
$449.5M28,542,001 sh
GOLDMAN SACHS GROUP INC
$365.8M23,227,764 sh

Fund	Value	Shares
Capital World Investors	$1.1B	69,332,560
BlackRock, Inc.	$1.1B	69,066,062
PRICE T ROWE ASSOCIATES INC /MD/	$870.5M	55,269,619
FMR LLC	$820.0M	52,060,648
VANGUARD CAPITAL MANAGEMENT LLC	$672.4M	42,689,718
ValueAct Holdings, L.P.	$656.3M	41,668,774
VANGUARD PORTFOLIO MANAGEMENT LLC	$637.9M	40,503,401
Capital International Investors	$526.2M	33,407,832
MORGAN STANLEY	$449.5M	28,542,001
GOLDMAN SACHS GROUP INC	$365.8M	23,227,764

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Is RKT a good stock to buy?

13F Pro's AI-powered analysis of Rocket Companies, Inc. (RKT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for RKT are available on the RKT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. RKT is classified as a large company.

Which hedge funds own RKT?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling RKT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Rocket Companies, Inc.'s investment landscape.