Rocket Companies, Inc.

RKT · Financials · Bank · FY2025 filings ·

Scored by the financial-sector model

12FY2025 filing
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Rocket Companies, Inc. is a bank, scored by a separate financial-sector model — not the operating Moat Score you’ll see on other companies. A bank or insurer is a balance-sheet business the margin-and-ROIC lens doesn’t fit, so it’s read through the components below instead. The two models are calibrated differently and are not comparable: a financial-sector score is never ranked against, sorted with, or averaged into an operating Moat Score. How the models work.

Insider activity

Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”

These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.

This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.

Records still being gathered — partial as of retrieval Sep 16, 2026.

Among the rows shown, A/F/M acquisition, payment or withholding, and exercise or conversion rows outnumber S sale rows (13 versus 0). The filing codes alone do not establish that every such row arose from a compensation plan.

Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.

InsiderShares owned afterDateFiling detail
Brown Brian NicholasPresident & Chief Fin OfficerPayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock14,675$14.06$206,3311,624,066Sep 8, 2026
1 filed lot
  • Table I · Class A common stock: 14,675 shares at $14.06 · code F · owned after 1,624,066 ·
Krishna VarunDirector, Chief Executive OfficerPayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock58,259$14.06$819,1221,958,664Sep 8, 2026
1 filed lot
  • Table I · Class A common stock: 58,259 shares at $14.06 · code F · owned after 1,958,664 ·
Banfield William D.Chief Business OfficerPayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock61,315$14.06$862,0893,667,548Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 61,315 shares at $14.06 · code F · owned after 3,667,548 ·
Edwards Noah A.Chief Accounting OfficerPayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock12,009$14.06$168,847156,613Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 12,009 shares at $14.06 · code F · owned after 156,613 ·
Brown Brian NicholasPresident & Chief Fin OfficerPayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock44,042$14.06$619,2311,638,741Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 44,042 shares at $14.06 · code F · owned after 1,638,741 ·
Malhotra ShawnChief Technology OfficerPayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock37,930$14.06$533,296867,341Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 37,930 shares at $14.06 · code F · owned after 867,341 ·
Bray Jesse KDirector, Pres & CEO, Rocket MortgagePayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock29,279$14.06$411,6637,870,140Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 29,279 shares at $14.06 · code F · owned after 7,870,140 ·
Lovier Heather M.Chief Operating OfficerPayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock61,669$14.06$867,0662,259,115Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 61,669 shares at $14.06 · code F · owned after 2,259,115 ·
Krishna VarunDirector, Chief Executive OfficerPayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock126,999$14.06$1,785,6062,016,923Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 126,999 shares at $14.06 · code F · owned after 2,016,923 ·
Rizik MatthewDirectorExercise or conversion of derivative security (M)Table I · Acquired · Class A common stock · 1 paired event14,796Not disclosedNot disclosed2,439,337Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 14,796 shares at Not disclosed · code M · owned after 2,439,337 · Paired event: 14,796 Cash-Settled Restricted Stock Units → 14,796 Class A common stock ·
Rizik MatthewDirectorOther acquisition or disposition (J)Table I · Disposed · Class A common stock14,796$14.06$208,0322,424,541Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 14,796 shares at $14.06 · code J · owned after 2,424,541 ·
Rizik MatthewDirectorExercise or conversion of derivative security (M)Table II · Disposed · Cash-Settled Restricted Stock Units · 1 paired event14,796Exercise or conversion of derivative security (M)105,695Sep 7, 2026
1 filed lot
  • Table II · Cash-Settled Restricted Stock Units: 14,796 shares at — (Exercise or conversion of derivative security (M)) · code M · owned after 105,695 · Paired event: 14,796 Cash-Settled Restricted Stock Units → 14,796 Class A common stock ·
Mildenhall JonathanChief Marketing OfficerPayment of exercise price or tax liability (F)Table I · Disposed · Class A common stock80,287$14.06$1,128,835808,657Sep 7, 2026
1 filed lot
  • Table I · Class A common stock: 80,287 shares at $14.06 · code F · owned after 808,657 ·
Watterson SarahDirectorGrant, award, or other acquisition (A)Table I · Acquired · Class A common stock14,566Grant, award, or other acquisition (A)14,566Aug 17, 2026
1 filed lot
  • Table I · Class A common stock: 14,566 shares at — (Grant, award, or other acquisition (A)) · code A · owned after 14,566 ·

Source-event as of . Retrieved .

Visual explainers

The filing-backed explainer service is temporarily unavailable, so no partial or guessed chart is shown.

What the financial-sector model scores (bank)

0

Median ROE 0.2% on average equity, above the 10% hurdle in 0% of 8 years.

100

Q3 scored 2 evidenced ratios equally.

0

Profitable in 50% of 8 years, ROE volatile.

0

Net interest income is 0.46% of average assets, variable over 6 years through FY2025.

Not scored for this company

Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
Underwriting applies to insurance carriers; not part of the bank model.

Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.

Fundamentals

The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.

Financial-sector score history

Reading
Aug 3, 202612
Jul 26, 202625
Jul 26, 202625

Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.