Keuangan Rocket Companies, Inc. (RKT)
NYSE · Financial Services · Financial - Mortgages · Karyawan: 23.500 · CEO: Varun Krishna
- Harga
- $12,80 +7,38%
- Kapitalisasi pasar
- $36,1 M
- Nilai perusahaan
- $58,4 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-30
- Laporan berikutnya
- 2027-02-25
Pendapatan (TTM)$11,2 M+80,6% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)28,9%+20,5 poin vs tahun laluLaba operasional: $3,23 M
Laba bersih (TTM)$1,3 M+1.376,5% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$1,16 M+207,9% vs tahun laluCapex: $160 jt
EPS dilusian (TTM)$0,45+1.041,6% vs tahun laluJumlah 4 kuartal terakhir
Kas neto-$22,2 M-35,2% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $36,1 M EV $58,4 M
- Pendapatan
- $11,2 M 12 bulan terakhir
- Pertumbuhan pendapatan
- +61% Konsensus FY2026
- Margin laba
- 11,7% Laba bersih / pendapatan, TTM
- P/E
- 27,5× Forward 22,7× (FY2026)
- P/S
- 3,2× Harga / penjualan, TTM
- EV / EBITDA
- 15,3× TTM
- Arus kas bebas
- $1,16 M 12 bulan terakhir
- Laba bersih
- $1,3 M 12 bulan terakhir
- Estimasi pendapatan
- $11,1 M Konsensus FY2026
- Laba
- 2027-02-25
- Dividen
- – Tanpa dividen
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan melambat: 83,5% yoyPendapatan Q3 '26: $3,28 M, rata-rata empat kuartal sebelumnya: 101,4%.
- Margin operasional 28,9% (TTM), dibanding tahun lalu: +20,5 poinLaba operasional tumbuh 520,3%, pendapatan tumbuh 80,6%.
- 78,4% dari laba sebelum pajak tergerus kerugian non-operasionalLaba sebelum pajak $1,81 M vs laba operasional $3,23 M (TTM). Kerugian dari kepemilikan saham dan pos sekali-pakai lainnya menekan laba bersih dan EPS - laba operasional adalah ukuran bisnis yang lebih bersih.
- Capex: 1,4% dari pendapatan (tahun lalu 3,6%)$160 jt diinvestasikan dalam 4 kuartal terakhir (-27,7% dibanding tahun sebelumnya). Arus kas bebas: $1,16 M = 89,0% dari laba bersih.
- $2 jt dikembalikan ke pemegang saham = 0,2% dari arus kas bebasBuyback: $0 (tahun lalu $0), dividen: $2 jt, kompensasi saham: $572 jt (TTM).
- Jumlah saham dilusian naik dalam setahun: 35,1%Saham dilusian pada Q3 '26: 2,85 M, setahun sebelumnya: 2,11 M.
- Utang neto: $22,2 MKas + investasi jangka pendek: $2,7 M, utang termasuk sewa: $24,9 M; tahun lalu utang neto: $16,4 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $3,28 M | $1,79 M | +83,5% |
| Margin kotor | 100,0% | 95,6% | +4,4 poin |
| Laba operasional | $1,32 M | $43,8 jt | +2.908,4% |
| Margin operasional | 40,1% | 2,4% | +37,7 poin |
| Laba bersih | $709 jt | -$124 jt | +672,4% |
| EPS dilusian | $0,25 | -$0,06 | +525,2% |
| Arus kas operasional | $1,91 M | -$50,3 jt | +3.889,5% |
| Capex | $43 jt | $21,5 jt | +99,9% |
| Arus kas bebas | $1,86 M | -$71,8 jt | +2.694,1% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $82 jt | $71,6 jt | +14,6% |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q1 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Direct To Customer Segment | $2,23 M | +119,1% | 88,1% | $6 M | +57,3% | |
| Partner Network Segment | $300 jt | +163,9% | 11,9% | $854 jt | +39,3% |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $1,32 M
- Capex
- -$160 jt
- Buyback
- $0
- Dividen
- -$2 jt
- Akuisisi
- -$2,24 M
- Utang neto diterbitkan
- -$4,2 M
- Kompensasi berbasis saham
- $572 jt
- Arus kas bebas
- $1,16 M
- Dikembalikan ke pemegang saham / FCF
- 0,2%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 27,5× | 25,8× 3 dari 5 tahun | 5,9× – 53,6× |
| EV / EBITDA | 15,3× | 26,0× 4 dari 5 tahun | 3,4× – 68,9× |
| EV / Penjualan | 5,2× | 3,6× | 1,6× – 8,9× |
| Harga / FCF | 31,2× | 12,5× 3 dari 5 tahun | 0,1× – 37,3× |
| Harga / Nilai buku | 1,5× | 2,3× | 1,5× – 3,0× |
| Imbal hasil FCF | 3,2% | 290,9% | -216,3% – 1.269,6% |
| Imbal hasil modal yang diinvestasikan | 4,3% | 5,2% | -2,0% – 18,7% |
| Imbal hasil ekuitas | 5,5% | 11,2% | -2,5% – 46,3% |
Analis
Target konsensus $15,00 (+17,2%)
rentang $13,00 – $16,00 · peringkat Hold
Beli kuat0
Beli10
Tahan15
Jual3
Jual kuat0
Prospek
Konsensus analis untuk tahun fiskal mendatang dan implikasinya pada harga saat ini.
Estimasi konsensus
| Tahun fiskal | Pendapatan | Pertumbuhan | EPS | Pertumbuhan | P/E pada harga saat ini | Analis (EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $11,1 M | +61,3% | $0,56 | +2.148,5% | 22,7× | 7 |
| FY2027 | $10,6 M | -4,6% | $0,67 | +18,3% | 19,2× | 9 |
| FY2028 | $11,5 M | +9,1% | $0,83 | +24,8% | 15,4× | 5 |
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 236 angka yang ditandai Rocket Companies, Inc. dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accounts Payable | $285 jt2025-12-31 | $182 jt | +56,6% | $285 jt | $182 jt | +56,6% |
| Accounts Payable and Accrued Liabilities | $4,67 M | – | – | – | – | – |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $788 jt | $669 jt | +17,8% | $695 jt | $620 jt | +12,1% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$1,72 jt2025-09-30 | $60 rb | -2.965,0% | -$48 rb2024-12-31 | $52 rb | -192,3% |
| Additional Paid in Capital | $23 M | $8,8 M | +160,9% | $22,8 M | $389 jt | +5.754,5% |
| Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities | $1,2 M | $75 jt | +1.494,7% | -$3,69 M | -$3,27 M | -13,1% |
| Amortization of Intangible Assets | – | – | – | $186 jt | $24 jt | +675,0% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $89 jt | $65 jt | +36,9% | $331 jt | $140 jt | +136,4% |
| Assets | $60,2 M | $33,6 M | +79,2% | $60,7 M | $24,5 M | +147,6% |
| Assets, Fair Value Disclosure | $35,2 M | – | – | $35,9 M | $17,3 M | +108,2% |
| Cash and Cash Equivalents, at Carrying Value | $2,7 M | $5,84 M | -53,8% | $2,7 M | $1,27 M | +111,8% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $2,94 M | $5,86 M | -49,8% | $2,93 M | $1,29 M | +127,6% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$457 jt | $744 jt | -161,4% | $1,65 M | $152 jt | +982,2% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest | $0 | $0 | – | -$165 jt | $606 jt | -127,2% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $702 jt | -$125 jt | +661,6% | -$68 jt | $29 jt | -334,5% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $702 jt | -$125 jt | +661,6% | -$233 jt | $635 jt | -136,7% |
| Contractually Specified Servicing Fees, Amount | $1,03 M | $413 jt | +149,9% | $2,32 M | $1,46 M | +58,5% |
| Costs and Expenses | $2,33 M | $1,88 M | +23,7% | $6,91 M | $4,43 M | +55,9% |
| Current Federal Tax Expense (Benefit) | – | – | – | $5 jt | $3 jt | +66,7% |
| Current Income Tax Expense (Benefit) | – | – | – | $8 jt | $3 jt | +166,7% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $3 jt | $0 | – |
| Deferred Federal Income Tax Expense (Benefit) | – | – | – | $23 jt | $7 jt | +228,6% |
| Deferred Income Tax Assets, Net | $12 jt2025-12-31 | $522 jt | -97,7% | $12 jt | $522 jt | -97,7% |
| Deferred Income Tax Expense (Benefit) | – | – | – | $12 jt | $29 jt | -58,6% |
| Deferred Income Tax Liabilities, Net | $850 jt2025-12-31 | $18 jt | +4.622,2% | $850 jt | $18 jt | +4.622,2% |
| Deferred Income Taxes and Tax Credits | $231 jt | -$63 jt | +466,7% | $12 jt | $29 jt | -58,6% |
| Deferred State and Local Income Tax Expense (Benefit) | – | – | – | -$11 jt | $22 jt | -150,0% |
| Deferred Tax Assets, Gross | $82 jt2025-12-31 | $680 jt | -87,9% | $82 jt | $680 jt | -87,9% |
| Deferred Tax Assets, Investment in Subsidiaries | – | – | – | $464 jt2024-12-31 | $485 jt | -4,2% |
| Deferred Tax Assets, Net | – | – | – | $504 jt2024-12-31 | $535 jt | -5,7% |
| Deferred Tax Assets, Valuation Allowance | $74 jt2025-12-31 | $158 jt | -53,2% | $74 jt | $158 jt | -53,2% |
| Deferred Tax Liabilities, Gross | $850 jt2025-12-31 | $18 jt | +4.622,2% | $850 jt | $18 jt | +4.622,2% |
| Deferred Tax Liabilities, Investments | $1,35 M2025-12-31 | – | – | $1,35 M | – | – |
| Deferred Tax Liabilities, Net | $838 jt2025-12-31 | – | – | $838 jt | – | – |
| Deferred Tax Liabilities, Other | -$20 jt2025-12-31 | $13 jt | -253,8% | -$20 jt | $13 jt | -253,8% |
| Defined Contribution Plan, Employer Discretionary Contribution Amount | – | – | – | $33 jt | $25 jt | +32,0% |
| Defined Contribution Plan, Employer Matching Contribution, Percent of Match | – | – | – | 50,0% | 50,0% | 0,0% |
| Depreciation, Depletion and Amortization | – | – | – | $104 jt | $89 jt | +16,9% |
| Depreciation, Depletion and Amortization, Nonproduction | $147 jt | $79 jt | +86,1% | $290 jt | $113 jt | +156,6% |
| Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value | $981 jt | $330 jt | +197,7% | $360 jt | $192 jt | +87,5% |
| Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value | $798 jt | $65,2 jt | +1.123,7% | $145 jt | $11 jt | +1.218,2% |
| Derivative, Collateral, Obligation to Return Cash | $262 jt | $8,47 jt | +2.991,8% | $30 jt | $63 jt | -52,4% |
| Derivative, Collateral, Right to Reclaim Cash | $442 jt | $48,5 jt | +810,9% | $238 jt | $0 | – |
| Dilutive Securities, Effect on Basic Earnings Per Share, Dilutive Convertible Securities | $02026-03-31 | -$157 jt | +100,0% | $0 | $0 | – |
| Dilutive Securities, Effect on Basic Earnings Per Share, Options and Restrictive Stock Units | $02026-03-31 | -$1 jt | +100,0% | $02024-12-31 | -$457 rb | +100,0% |
| Earnings Per Share, Basic | $0,25 | -$0,06 | +516,7% | -$0,05 | $0,21 | -123,8% |
| Earnings Per Share, Diluted | $0,25 | -$0,06 | +516,7% | -$0,05 | $0,21 | -123,8% |
| Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | -$9 jt | -$1 jt | -800,0% | $1 jt | -$1 jt | +200,0% |
| Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount | – | – | – | -$45 jt | – | – |
| Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent | – | – | – | 21,0% | 21,0% | 0,0% |
| Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Percent | – | – | – | 1,7%2024-12-31 | -5,0% | +133,7% |
| Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Amount | – | – | – | $24 jt | – | – |
| Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Percent | – | – | – | -11,4% | – | – |
| Effective Income Tax Rate Reconciliation, Foreign Income Tax Rate Differential, Amount | – | – | – | -$2 jt | – | – |
| Effective Income Tax Rate Reconciliation, Foreign Income Tax Rate Differential, Percent | – | – | – | 0,9% | – | – |
| Effective Income Tax Rate Reconciliation, Noncontrolling Interest Income (Loss), Amount | – | – | – | -$26 jt | – | – |
| Effective Income Tax Rate Reconciliation, Noncontrolling Interest Income (Loss), Percent | – | – | – | 12,1% | 20,3% | -40,4% |
| Effective Income Tax Rate Reconciliation, Nondeductible Expense, Other, Amount | – | – | – | $9 jt | – | – |
| Effective Income Tax Rate Reconciliation, Nondeductible Expense, Other, Percent | – | – | – | -4,2% | – | – |
| Effective Income Tax Rate Reconciliation, Nondeductible Expense, Percent | – | – | – | 1,2%2024-12-31 | -1,9% | +162,6% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, dan estimasi distandardisasi dari laporan perusahaan. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-09-30, 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30
Data per 2026-11-02