Rocket Companies (RKT) – Fintech-Driven Mortgage Growth

Company Overview:
Rocket Companies RKT is a fintech leader in mortgage and real estate solutions, leveraging AI-driven efficiency to enhance profitability and market share.

Key Catalysts:

Surging Profitability & Efficiency 💰

Adjusted EBITDA margin rose to 18% in Q4 2024, up from 2% a year prior, reflecting strong financial performance.
Rocket Mortgage Growth 📊

Net rate lock volume surged 47% YoY to $23.6 billion, far outpacing industry trends.
Expanding Servicing Portfolio 📈

The $593 billion servicing portfolio (+17%) provides stable revenue and cross-selling opportunities, acting as a hedge against rate volatility.
Resilient Market Share Expansion 🏆

Despite industry headwinds, Rocket continues to grow market share, proving its competitive edge in mortgage lending.
Investment Outlook:
Bullish Case: We are bullish on RKT above $11.80-$12.00, driven by profitability gains, market expansion, and portfolio strength.
Upside Potential: Our price target is $20.00-$21.00, reflecting sustained growth and operational efficiency.

🔥 Rocket Companies – Powering the Future of Mortgage & Fintech. #RKT #MortgageTech #FintechGrowth