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Compared to Estimates, Rocket Companies (RKT) Q3 Earnings: A Look at Key Metrics

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For the quarter ended September 2025, Rocket Companies (RKT - Free Report) reported revenue of $1.78 billion, up 34.8% over the same period last year. EPS came in at $0.07, compared to $0.08 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $1.75 billion, representing a surprise of +2.01%. The company delivered an EPS surprise of +75%, with the consensus EPS estimate being $0.04.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Rocket Companies performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Revenue- Gain on sale of loans- Gain on sale of loans excluding fair value of MSRs, net: $641.72 million versus the two-analyst average estimate of $547.46 million. The reported number represents a year-over-year change of +26.7%.
  • Revenue- Gain on sale of loans- Fair value of originated MSRs: $385.69 million compared to the $376.96 million average estimate based on two analysts. The reported number represents a change of +14.2% year over year.
  • Revenue- Loan servicing income- Servicing fee income: $413.14 million versus the two-analyst average estimate of $406.53 million. The reported number represents a year-over-year change of +10.5%.
  • Revenue- Loan servicing income- Change in fair value of MSRs: $-479.6 million versus the two-analyst average estimate of $-252.56 million. The reported number represents a year-over-year change of -45.4%.
  • Revenue- Other income: $608.65 million compared to the $446.97 million average estimate based on two analysts. The reported number represents a change of +102.7% year over year.
  • Revenue- Gain on sale of loans, net: $1.03 billion compared to the $924.41 million average estimate based on two analysts. The reported number represents a change of +21.7% year over year.
  • Revenue- Loan servicing income, net: $-66.46 million versus $153.97 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -86.8% change.
  • Revenue- Interest income, net: $35.68 million versus the two-analyst average estimate of $34.34 million. The reported number represents a year-over-year change of +428.9%.
  • Revenue- Interest income- Interest income: $126.46 million compared to the $114.19 million average estimate based on two analysts. The reported number represents a change of +16.5% year over year.

View all Key Company Metrics for Rocket Companies here>>>

Shares of Rocket Companies have returned -17.1% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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