RKT (Rocket) Moat Score: 5/10 (As of Jun. 28, 2026)


RKT Rocket Companies Inc RKT
68 GF Score
Price $15.00
GF Value $15.12
Valuation Fairly Valued
! 4 Warning Signs
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What is Rocket Moat Score?

Rocket RKT +1.49% 68 Moat Score is 5 as of Jun. 28, 2026. GuruFocus rates RKT with a GF Score™ of 68/100 and a GF Value™ of $15.12 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,614 Banks companies, Rocket ranks better than 94.05% on this metric.

Rocket has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Rocket has Narrow Moat: Rocket Companies Inc benefits from a solid narrow moat due to its strong brand in the mortgage industry and significant customer loyalty. However, the company faces competition and lacks substantial regulatory barriers or exclusive licenses, limiting its moat to a solid but not wide level.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Rocket might have Narrow Moat - Solid narrow moat.

Rocket  (NYSE:RKT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Rocket Moat Score Related Terms

RKT vs FNMA, PFSI, FMCC: Moat Score Comparison

For the Mortgage Finance subindustry, Rocket's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Rocket Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Rocket's Moat Score distribution charts can be found below:

* The bar in red indicates where Rocket's Moat Score falls into.


RKT
68GF Score
Rocket Companies Inc RKT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Rocket (RKT) has a Moat Score of 5 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Rocket ranks #96 out of 1614 companies in the Banks industry, placing it in the top 5.9%.
Is Rocket's Moat Score too high?
Rocket's current Moat Score is 5. Based on the distribution chart, Rocket ranks #96 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Rocket has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Rocket's Moat Score compare to FNMA and PFSI?
According to the Banks industry distribution chart, Rocket ranks #96 out of 1614 companies for Moat Score. This places Rocket in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Rocket's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rocket stock overvalued right now?
Based on GuruFocus' analysis, Rocket (RKT) is currently considered Fairly Valued. The stock's GF Value™ is $15.12, compared to a current price of $15.00 — trading 0.8% below its estimated fair value. The current Moat Score is 5. Rocket's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Rocket (RKT), the current Moat Score is 5 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Rocket (RKT) Overvalued in 2026?

Based on GuruFocus' analysis, Rocket stock appears to be undervalued. The current stock price of $15.00 is trading 0.8% below its estimated GF Value™ of $15.12. GuruFocus considers Rocket to be Fairly Valued.

Key valuation signals for RKT:

  • Moat Score: 5
  • GF Value™: $15.12 vs. price of $15.00 (0.8% below fair value)
  • GF Score™: 68/100 with 4 warning signs

No single metric tells the full story. See the RKT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Rocket Business Description

Other Exchanges RKT:Mexico
Address 1050 Woodward Avenue, Detroit, MI, USA, 48226
Rocket Companies is a financial services company that was originally founded as Rock Financial in 1985 and is currently based in Detroit. Rocket Companies offers a wide array of services and products but is best known for its Rocket Mortgage business. The company's mortgage lending operations are split between its direct-to-consumer lending, which sees borrowers accessing the company's lending arm directly through either its mobile app or website, and its partner network where mortgage brokers and other firms use Rocket's origination process to offer loans to their customers. The company has rapidly gained market share in recent years and will also be the largest mortgage servicer in the US following its acquisition of the Mr. Cooper Group.
68GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.00
Price
$15.12
GF Value