RKT · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
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.
The insider-filing service is temporarily unavailable, so no partial or guessed answer is shown for RKT.
Flagship explainer
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $125M | 100% |
| |
| Income before tax | −$214M | −171% |
|
| Income tax | $20M | 16% |
|
| −$68M | −54% |
|
Flagship explainer
Rocket Companies, Inc.'s filing tags don't support a full breakdown — here's what is filed:
| Filed line | Value | % of assets | Source |
|---|---|---|---|
| Total assets | $60.7B | 100% |
|
| Cash and equivalents | $2.7B | 4% |
|
| Property, plant and equipment | $260M | 0% |
|
| Goodwill | $10.6B | 17% |
|
| Deferred tax assets | $12M | 0% |
|
| Operating lease right-of-use assets | $292M | 0% |
|
| Total liabilities | $37.8B | 62% |
|
| Stockholders’ equity | $22.9B | 38% |
|
Flagship explainer
One or more filed inputs needed for the five-factor decomposition are unavailable.
| Input | Value | Fiscal year | Source |
|---|---|---|---|
| Net income | −$68M | FY2025 |
|
| Income before tax | −$214M | FY2025 |
|
| Operating income | Unavailable | FY2025 |
|
| Revenue | Unavailable | FY2025 |
|
| Ending assets | $60.7B | FY2025 |
|
| Beginning assets | $24.5B | FY2024 |
|
| Ending equity | $22.9B | FY2025 |
|
| Beginning equity | $9.0B | FY2024 |
|
Flagship explainer
See selected filed operating adjustments beside operating cash, then follow the reconciled operating, investing, financing, and exchange totals into the net change in cash.
Honest partial: the filing did not provide a normalized tag for Change in receivables, Change in inventory; those lines are omitted, not plugged.
| Filed line | Value | % of cash from operations | Source |
|---|---|---|---|
| Cash from operations | −$3.9B | −100% |
|
| Depreciation and amortization | $104M | 3% |
|
| Share-based compensation | $343M | 9% |
|
| Change in accounts payable | −$33M | −1% |
|
| Cash from investing | −$2.5B | −64% |
|
| Cash from financing | $8.1B | 206% |
|
| Exchange-rate effect | $1M | 0% |
|
| Net change in cash | $1.6B | 42% |
|
Curated 19-manager tier
Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.
1 holding0 exited17 not holding18/19 resolved1 not retrieved
| Manager | Reported position | Quarter-over-quarter | Filing accession |
|---|---|---|---|
| First Eagle | 135,000 shares$2.1M · 0% of eligible reported 13F | Added to position · +70,236 shares (108%) |
|
| Abrams Capital | No position reported | No position reported |
|
| Akre Capital | No position reported | No position reported |
|
| Baupost Group | No position reported | No position reported |
|
| Berkshire Hathaway | No position reported | No position reported |
|
| Brave Warrior Advisors | No position reported | No position reported |
|
| Dodge & Cox | No position reported | No position reported |
|
| Fundsmith | No position reported | No position reported |
|
| Gardner Russo & Quinn | No position reported | No position reported |
|
| Gates Foundation Trust | No position reported | No position reported |
|
| Mairs & Power | No position reported | No position reported |
|
| Markel / Markel-Gayner | No position reported | No position reported |
|
| Oakmark / Harris Associates | No position reported | No position reported |
|
| Polen Capital | No position reported | No position reported |
|
| Sequoia / Ruane Cunniff | No position reported | No position reported |
|
| Southeastern Asset Management | No position reported | No position reported |
|
| Tweedy, Browne | No position reported | No position reported |
|
| Yacktman Asset Management | No position reported | No position reported |
|
| Pershing Square | Not retrieved | Comparison not retrieved | Filing not retrieved |
Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.
Flagship explainer
We could not retrieve insider activity for this rendering; no zero-activity claim is shown.
Unavailable: Form 4 activity could not be retrieved for this rendering.
Median ROE 0.2% on average equity, above the 10% hurdle in 0% of 8 years.
Q3 scored 2 evidenced ratios equally.
Profitable in 50% of 8 years, ROE volatile.
Net interest income is 0.46% of average assets, variable over 6 years through FY2025.
Not scored for this company
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
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.
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 12 | |
| Jul 26, 2026 | 25 | |
| Jul 26, 2026 | 25 | |
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.