Rocket Companies, Inc. (RKT) Fair Value 2026

RKT · Mortgage Finance ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

4.3 /10

32 fundamental signals · 2 models active

Value Trap Risk

DANGER (67/100)

Quick Summary — As of 2026-08-28, Rocket Companies, Inc. (RKT) trades at $13.77, versus a $6.64 median fair value across its 2 active models — 51.7% below the current price. QOC: 4.3/10. Value Trap Risk: 67/100 (DANGER). 2/13 models active.

Key Facts

Ticker
RKT
Price
$13.77
Quality Score
4.3/10
Value Trap Risk
67/100
Models Active
2/13
Last Updated
Strength: 2 independent models provide multi-angle coverage
Risk: Value Trap score of 67 suggests caution despite apparent undervaluation

Is Rocket Companies, Inc. (RKT) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, Rocket Companies, Inc. (RKT) appears overvalued as of : the median of 2 independent fair value estimates is $6.64, 51.7% below the current price of $13.77. Estimates range from $2.39 to $10.90. RKT scores 4.3/10 on fundamental quality and 67/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. RKT’s -51.7% gap is wider than that market norm. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Rocket Companies, Inc. Stock in 2026? →

What Fair Value Does Each Model Give RKT?

2 Intrinsic Value Models vs. Current Price ($13.77)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $2.39 -82.6%
Relative · Medium Conviction
 $10.90 -20.9%

All Models Active

All 2 models are displayed above.

What Is Rocket Companies, Inc. (RKT) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Rocket Companies, Inc.'s intrinsic value is estimated at $6.64, suggesting the stock is overvalued at its current price of $13.77. With 2 out of 2 models flagging downside (-51.7% vs price), the market may be pricing in unsustainable growth. Notably, Regime Cross sees the most upside at -20.9% (fair value: $10.90), while ML-RIV is the most conservative at -82.6% ($2.39). The spread between these extremes — +61.7% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About RKT?

2 of 13 models are currently active for RKT. All 2 active models suggest the stock trades above fair value. Taken together, their median fair value for RKT is $6.64 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does RKT Rank in Mortgage Finance?

Among 16 Mortgage Finance stocks, RKT ranks #15 by Quality of Company score. CirclFi's QOC score of 4.3/10 evaluates 32 fundamental signals. A score of 4.3 reflects mixed fundamentals.

Rocket Companies, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is RKT a Value Trap?

CirclFi's Value Trap algorithm assigns RKT a score of 67/100 (DANGER). This is a high-risk signal. Deteriorating fundamentals suggest the discount may be justified. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for Rocket Companies, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Rocket Companies, Inc.'s fundamental quality profile registers 4.3/10. This mixed score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record. Investors should note the company's elevated value trap risk score, which suggests apparent undervaluation may not be what it seems.

The gap between the most bullish and bearish model spans +61.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RKT valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RKT's 2 active models, average confidence is 51%. Moderate confidence indicates reasonable fit.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Rocket Companies, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Mortgage Finance Stocks Should You Also Analyze?

9 related Mortgage Finance stocks with 13-model coverage

LDIloanDepot, Inc.QOC 4.4BLNEBeeline Holdings, Inc.QOC 4.0BETRBetter Home & Finance Holding CompanyQOC 5.1VELVelocity Financial, Inc.QOC 8.8PAPLPineapple Financial Inc.QOC 5.2FMCCFederal Home Loan Mortgage CorporationQOC 7.3FNMAFederal National Mortgage AssociationQOC 7.0IORIncome Opportunity Realty Investors, Inc.QOC 6.1WDWalker & Dunlop, Inc.QOC 5.4

Read investment analysis: LDI · BLNE · BETR · VEL · PAPL · FMCC · FNMA · IOR · WD

Which Other Stocks Have a Similar Quality Score to RKT?

7 companies across all industries closest to RKT’s Quality of Company score of 4.3/10.

PARABanzai International, Inc.QOC 4.3XHGXChange TEC.INCQOC 4.3ACRGAmerican Clean Resources Group, Inc.QOC 4.3STQNStrategic Acquisitions, Inc.QOC 4.3TCToken Cat LimitedQOC 4.3MWAIMedwellAI, Inc.QOC 4.3NVDANVIDIA CorporationQOC 10.0

Read investment analysis: PARA · XHG · ACRG · STQN · TC · MWAI · NVDA

What Else Do Investors Ask About Rocket Companies, Inc.’s Valuation?

What is Rocket Companies, Inc.'s intrinsic value in 2026?

CirclFi puts Rocket Companies, Inc. (RKT)'s intrinsic value at $6.64 — the median of 2 independent model estimates as of 2026-08-28, ranging from $2.39 to $10.90. The Quality of Company score is 4.3/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RKT overvalued or undervalued right now?

At $13.77, 0 of 2 active models suggest RKT may be undervalued, while 2 indicate potential overvaluation. The median of all 2 fair value estimates is $6.64, 51.7% below the current price of $13.77 — a consensus view that RKT is overvalued. The assessment depends on which methodology best fits Rocket Companies, Inc.'s business model in Mortgage Finance.

What does a Quality of Company score of 4.3 mean for RKT?

Rocket Companies, Inc.'s QOC of 4.3/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores below 5 flag potential fundamental weaknesses requiring careful analysis.

How many valuation models does CirclFi run on RKT?

CirclFi analyzes RKT with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is RKT a value trap in 2026?

Rocket Companies, Inc.'s Value Trap score is 67/100 (DANGER). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, Rocket Companies, Inc. (RKT) has a median fair value of $6.64 — 51.7% below the current price of $13.77 — as of 2026-08-28.” Source: circlfi.com/stock/RKT/ · Methodology
Primary sources for this RKT valuation
  • Financial statements: Rocket Companies, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001805284) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RKT as of ; valuations recomputed .