NYSE$RKT

Rocket Companies Inc · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Rocket Companies reported Q3 2022 results, generating net revenue of $1.3 billion and net income of $96 million.

Rocket Companies announced Q3 2022 results with a net revenue of $1.3 billion and a net income of $96 million. The company reached 24 million Rocket Accounts and launched Rocket Rewards. They also approved the renewal and extension of the $1 billion share repurchase program.

  • Generated Q3’22 net revenue of $1.3 billion and net income of $96 million.
  • Delivered closed loan volume, net rate lock volume and gain on sale margin within our guided range.
  • Rocket reached 24 million Rocket Accounts across our ecosystem, as of September 30, 2022.
  • Launched Rocket Rewards, our new loyalty program.

Headline financials

Total Revenue

$49.6M

Previous: $57.2M-13.3%
EPS (adj)

-$0.08

Previous: $0.57-114.0%
Closed Loan Volume

$25.6B

Previous: $88B-70.9%
Gain on Sale Margin

2.7%

Previous: 3.0%-11.8%
Capital Expenditures

-$88M

Previous: -$98.5M+10.7%
Free Cash Flow

-$81M

Previous: -$23.2M-249.2%
Net Income

$6.91M

Previous: $75.3M-90.8%
Operating Income

$128M

Previous: $1.29B-90.1%
Gross Profit

$567M

Previous: $1.94B-70.8%
Cash & Equivalents

$826M

Previous: $2.23B-63.0%
Total Assets

$22.6B

Previous: $35.8B-36.9%
Stock-Based Comp

$56.3M

Previous: $40.9M+37.9%

Revenue & EPS history

Rocket Companies · Revenue · Quarterly

$49.6M

Q3 2022-13.3%vs Q3 2021
Beat estimate in 4 of 15 quarters(27%)
ActualEstimate

Revenue by segment

Rocket Companies · $1.21B total across 2 segments · Q3 2022

  • Direct to Consumer
    $1.11B-55.5%
  • Partner Network
    $98M-78.6%

Forward guidance

Rocket Companies expects the following ranges in Q4 2022:

Tailwinds

  • Adjusted revenue of between $600 million to $750 million.
  • Closed loan volume of between $17 billion and $22 billion.
  • Net rate lock volume of between $15 billion and $21 billion.
  • Gain on sale margins of 2.30% to 2.60%.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q3 2022

Historical avgQ3 2022

+0.6%

Avg return

Earnings day

+5.6%

Avg return

5 days after

+3.2%

Avg return

30 days after

50%

12 / 24 earnings

Positive

+14.8%

Q3 2023

Best reaction

-15.5%

Q1 2021

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-5.4%-14.9%
Q4 2025+2.4%-6.4%-23.1%
Q3 2025+6.0%+2.3%+25.3%
Q2 2025+0.0%+11.4%+21.8%
Q1 2025-4.7%+8.2%+9.6%
Q4 2024+9.1%+16.1%+1.6%
Q3 2024-10.3%-13.7%-20.6%
Q2 2024+6.5%+13.2%+21.4%
Q1 2024+7.6%+13.1%+12.5%
Q4 2023+5.1%+8.6%+28.5%
Q3 2023+14.8%+8.5%+31.2%
Q2 2023+8.5%+10.4%+2.1%
Q1 2023-2.2%-4.3%-4.2%
Q4 2022+1.9%+9.6%+11.5%
Q3 2022-4.5%-0.6%+27.2%
Q2 2022-2.9%-6.0%-25.7%
Q1 2022-11.9%-3.5%-0.6%
Q4 2021+10.4%+20.8%-6.1%
Q3 2021-2.4%-4.3%-10.9%
Q2 2021+9.4%+2.0%-5.7%
Q1 2021-15.5%-21.5%-12.1%
Q4 2020+7.5%+104.7%+17.7%
Q3 2020-1.8%+1.9%-3.0%
Q2 2020-13.7%-20.0%-25.1%
Q1 2020
Q4 2019
Q3 2019
Q2 2019
Q1 2019

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