)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Rocket Companies
Rocket Companies (RKT) investor relations material
Rocket Companies Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Q3’26 adjusted revenue was $2.574B; adjusted EBITDA was $748M at a 29% margin, the highest in nearly five years.
GAAP net income was $709M and adjusted net income was $419M; closed loan volume rose 35% YoY to $43.622B.
Market share increased in purchase and refinance as mortgage rates reached a three-year high; recurring, less rate-sensitive revenue represented ~70% of the mix.
Financial highlights
Q3 total revenue was $3.284B vs. $1.695B YoY; adjusted revenue was $2.574B vs. $1.873B.
GAAP net income was $709M vs. a $124M loss; adjusted net income was $419M vs. $158M, and adjusted diluted EPS was $0.15 vs. $0.07.
Adjusted EBITDA was $748M vs. $349M a year earlier; adjusted EBITDA margin was 29% vs. 19%.
Q3 total expenses were $2.326B, up 24% YoY; 9M expenses were $7.370B, up 59%, reflecting acquisition-related, servicing, origination and debt costs.
Outlook and guidance
Q4’26 adjusted revenue guidance is $2.1B–$2.3B.
At the guidance midpoint, Q4 total expenses are expected at $2.050B; excluding $110M intangible amortization, $80M stock compensation and $10M integration costs, expenses are $1.850B, down $165M QoQ.
Q4 refinance activity is expected to fall nearly 50% from Q3; management anticipates purchase share gains, with cash-out and second liens remaining productive.
The $400M annualized Mr. Cooper synergy target is expected by year-end 2026, a year early; an additional $100M in annual savings is expected in H1 2027.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Rocket Companies
- Diversified revenue, tech-driven efficiencies, and successful integrations drive growth amid market challenges.RKT
Barclays 24th Annual Global Financial Services Conference - Record Q2 2026 profit and market share, driven by AI, acquisitions, and strong liquidity.RKTQ2 2026
- All proposals, including director elections and plan amendments, were approved by stockholders.RKTAGM 2026
- AI-driven transformation and strategic acquisitions create a scalable, resilient homeownership platform.RKTJ.P. Morgan 54th Annual Global Technology, Media and Communications Conference
- Record Q1-26 profit, AI-driven growth, and expanded servicing portfolio to $2.1T UPB.RKTInvestor presentation
- Record Q1 2026 profit, revenue, and synergies driven by AI, tech, and major acquisitions.RKTQ1 2026
- 2025 marked by major acquisitions, governance enhancements, and strong financial performance.RKTProxy filing
- Q2 2025: Adjusted revenue up 9% to $1.34B, Redfin deal closed, digital mortgage growth strong.RKTQ2 2025
- AI-driven strategy targets doubling purchase share, tech innovation, and brand transformation by 2027.RKTInvestor Day 2024
Next Rocket Companies earnings date
Q4 202625 Feb, 2027
Rocket Companies
Next Rocket Companies earnings date
Q4 202625 Feb, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
Frequently asked questions
Mortgages and Financial Services
Rocket Companies Inc., is an American company providing various types of lending and other financial services in the US and Canada. The company specializes primarily in home loan and mortgage lending through its flagship brand, Rocket Mortgage, but has over a dozen subsidiaries providing various services to its customers. The company uses digital methods to streamline the mortgage process, allowing for online applications, approvals, and loan management. The company is headquartered in Detroit, Michigan and its shares are traded on the NYSE.
Rock Financial, Quicken Loans, and Online Mortgages
Rocket Companies traces its roots to 1985 when Dan Gilbert founded Rock Financial, a traditional mortgage lender. The company evolved significantly over the years, marking a pivotal transformation with its shift to online operations in the late 1990s, becoming Quicken Loans and establishing itself as a dominant force in the online mortgage lending industry. Rocket Mortgage launched in 2015 and was a major milestone, offering a fully digital mortgage application process. Quicken Loans went public in 2020 under the name Rocket Companies, and today the corporation operates several financial services companies besides Rocket Mortgage. Today, the company competes with large traditional banks such as Wells Fargo, JPMorgan Chase, Bank of America, and other similar institutions.
Rocket Mortgage
Rocket Mortgage is the parent company’s flagship subsidiary and provides various mortgage financing services, with its primary offerings including fixed-rate and adjustable-rate conventional mortgages. The company also issues government-backed loans like FHA and VA loans, targeting first-time homebuyers and military personnel.
The company is known for its end-to-end online service platform, allowing customers to apply for, process, and manage their mortgage loans remotely. It also provides refinancing options for those looking to adjust their mortgage terms or tap into home equity. Rocket Mortgage provides a streamlined application process, rapid loan approval, and personalized customer service through its digital platform.
Other Subsidiaries
Besides Rocket Mortgage, Rocket Companies' portfolio includes a diverse range of businesses. One of the most notable is Rocket Homes, a real estate listing service that also provides a platform for home-buying and selling with integrated search tools and services. Rocket Auto, on the other hand, operates within the automotive sales industry, offering a platform for customers to shop for new and used vehicles across a network of dealerships.
Additionally, Rocket Loans offers personal lending services, offering personal loans with a swift application process. The group also includes Rocket Money, formerly known as Truebill, a financial management app that helps users track spending, manage subscriptions, and set up budgets.