NYSE$RKT

Rocket Companies Inc · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Rocket Companies reported strong Q3 2023 results, exceeding adjusted revenue guidance and achieving profitability across GAAP net income, adjusted net income, and adjusted EBITDA metrics.

Rocket Companies reported a net revenue of $1.203 billion and a GAAP net income of $115 million, or $0.04 per diluted share, for Q3 2023. The company's adjusted revenue exceeded the high end of its guidance range.

  • Generated total revenue, net of $1.203 billion and GAAP net income of $115 million, or $0.04 per diluted share.
  • Rocket Mortgage generated $22.2 billion in mortgage origination closed loan volume with a gain on sale margin of 2.76%, marking the third consecutive quarter of increase.
  • Rocket gained purchase market share year-over-year and quarter-over-quarter.
  • Total liquidity was approximately $8.7 billion as of September 30, 2023.

Headline financials

Total Revenue

$37.9M

Previous: $49.6M-23.5%
EPS (adj)

-$0.01

Previous: -$0.08+87.5%
Closed Loan Volume

$22.2B

Previous: $25.6B-13.2%
Gain on Sale Margin

2.8%

Previous: 2.7%+2.6%
Capital Expenditures

-$60.9M

Previous: -$88M+30.8%
Free Cash Flow

-$54.7M

Previous: -$81M+32.5%
Net Income

$6.21M

Previous: $6.91M-10.2%
Operating Income

$148M

Previous: $128M+15.7%
Gross Profit

$568M

Previous: $567M+0.2%
Cash & Equivalents

$957M

Previous: $826M+15.9%
Total Assets

$20.6B

Previous: $22.6B-8.6%
Stock-Based Comp

$42.1M

Previous: $56.3M-25.3%

Revenue & EPS history

Rocket Companies · Revenue · Quarterly

$37.9M

Q3 2023-23.5%vs Q3 2022
Beat estimate in 4 of 15 quarters(27%)
ActualEstimate

Revenue by segment

Rocket Companies · $1.1B total across 2 segments · Q3 2023

  • Direct to Consumer
    $979M-12.1%
  • Partner Network
    $123M+25.5%

Forward guidance

In Q4 2023, Rocket Companies expects adjusted revenue of between $650 million to $800 million.

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 2023

Historical avgQ3 2023

+0.6%

Avg return

Earnings day

+5.6%

Avg return

5 days after

+2.2%

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%-20.1%
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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