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RocketMEX:RKT 48 Altman Z-Score is 0.64 as of Sep. 22, 2026. GuruFocus rates MEX:RKT with a GF Score™ of 48/100 and a GF Value™ of MXN76.89 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 48 Banks companies, Rocket ranks worse than 2083331.25% on this metric.
The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.
Rocket has a Altman Z-Score of 0.64, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
The zones of discrimination were as such:
When Altman Z-Score <= 1.8, it is in Distress Zones.
When Altman Z-Score >= 3, it is in Safe Zones.
When Altman Z-Score is between 1.8 and 3, it is in Grey Zones.
The historical rank and industry rank for Rocket's Altman Z-Score or its related term are showing as below:
X1: The Working Capital/Total Assets (WC/TA) ratio is a measure of the net liquid assets of the firm relative to the total capitalization. Working capital is defined as the difference between current assets and current liabilities. Ordinarily, a firm experiencing consistent operating losses will have shrinking current assets in relation to total assets. Altman found this one proved to be the most valuable liquidity ratio comparing with the current ratio and the quick ratio. This is however the least significant of the five factors.
X2: Retained Earnings/Total Assets: the RE/TA ratio measures the leverage of a firm. Retained earnings is the account which reports the total amount of reinvested earnings and/or losses of a firm over its entire life. Those firms with high RE, relative to TA, have financed their assets through retention of profits and have not utilized as much debt.
X3, Earnings Before Interest and Taxes/Total Assets (EBIT/TA): This ratio is a measure of the true productivity of the firm's assets, independent of any tax or leverage factors. Since a firm's ultimate existence is based on the earning power of its assets, this ratio appears to be particularly appropriate for studies dealing with corporate failure. This ratio continually outperforms other profitability measures, including cash flow.
X4, Market Value of Equity/Book Value of Total Liabilities (MVE/TL): The measure shows how much the firm's assets can decline in value (measured by market value of equity plus debt) before the liabilities exceed the assets and the firm becomes insolvent.
X5, Revenue/Total Assets (S/TA): The capital-turnover ratio is a standard financial ratio illustrating the sales generating ability of the firm's assets.
Altman Z-Score does not apply to financial companies.
Rocket Altman Z-Score Related Terms
Rocket Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Rocket's Altman Z-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MEX:RKT vs FNMA, PFSI, FMCC: Altman Z-Score Comparison
For the Mortgage Finance subindustry, Rocket's Altman Z-Score, along with its competitors' market caps and Altman Z-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 Altman Z-Score vs Banks Industry
For the Banks industry and Financial Services sector, Rocket's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Rocket's Altman Z-Score falls into.
Altman Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
Rocket's Altman Z-Score for today is calculated with this formula:
Z
=
1.2
*
X1
+
1.4
*
X2
+
3.3
*
X3
+
0.6
*
X4
+
1.0
*
X5
=
1.2
*
-0.1567
+
1.4
*
0.0107
+
3.3
*
0.0325
+
0.6
*
0.9135
+
1.0
*
0.1624
=
0.64
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency. GuruFocus does not calculate Altman Z-Score when X4 or X5 value is 0.
Trailing Twelve Months (TTM) ended in Jun. 2026: Total Assets was MXN1,065,497 Mil. Total Current Assets was MXN86,390 Mil. Total Current Liabilities was MXN253,334 Mil. Retained Earnings was MXN11,375 Mil. Pre-Tax Income was 4888.0499227273 + 7023.992063492 + 3093.1368 + -3432.0024161641 = MXN11,573 Mil. Interest Expense was -6505.8031 + -6128.4330753968 + -6131.3658461539 + -4247.6703447424 = MXN-23,013 Mil. Revenue was 45940.711195454 + 48079.225674603 + 45701.553784616 + 33351.366092999 = MXN173,073 Mil. Market Cap (Today) was MXN597,491 Mil. Total Liabilities was MXN654,060 Mil.
* Note that for stock reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data.
Rocket (MEX:RKT) has a Altman Z-Score of 0.64 as of Sep. 22, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Rocket and its competitors. According to the industry distribution chart, Rocket ranks #999999 out of 48 companies in the Banks industry.
Is Rocket's Altman Z-Score too high?
Rocket's current Altman Z-Score is 0.64. The Banks industry median Altman Z-Score is 1.03. Rocket's value of 0.64 is 37.6% below this industry median. Based on the distribution chart, Rocket ranks #999999 out of 48 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Rocket has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Rocket's Altman Z-Score compare to FNMA and PFSI?
According to the Banks industry distribution chart, Rocket ranks #999999 out of 48 companies for Altman Z-Score. This places Rocket in the lower half of its industry. The industry median Altman Z-Score is 1.03. Rocket's value of 0.64 is 37.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Altman Z-Score for a Banks company?
The median Altman Z-Score among Banks companies is 1.03, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a Altman Z-Score significantly above this median, while those in the bottom quartile fall well below. However, Altman Z-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rocket's current Altman Z-Score of 0.64 is 37.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Altman Z-Score mean?
A high Altman Z-Score can signal that a stock is expensive relative to its fundamentals. The Altman Z-score measures a company's bankruptcy risk. View historical data on Rocket and its competitors. For the Banks industry, the median Altman Z-Score is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rocket's current Altman Z-Score is 0.64. 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 (MEX:RKT) is currently considered Significantly Overvalued. The stock's GF Value™ is MXN76.89, compared to a current price of MXN211.94 — trading 175.6% above its estimated fair value. The current Altman Z-Score is 0.64 and 37.6% below the Banks industry median of 1.03. Rocket's overall GF Score™ is 48/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Altman Z-Score calculated?
Altman Z-Score is calculated from a company's financial statements. For Rocket (MEX:RKT), the current Altman Z-Score is 0.64 as of Sep. 22, 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 (MEX:RKT) Overvalued in 2026?
Based on GuruFocus' analysis, Rocket stock appears to be overvalued.
The current stock price of MXN211.94 is trading 175.6% above its estimated GF Value™ of MXN76.89.
GuruFocus considers Rocket to be Significantly Overvalued.
Key valuation signals for MEX:RKT:
Altman Z-Score: 0.64
GF Value™: MXN76.89 vs. price of MXN211.94 (175.6% above fair value)
Industry Position: 37.6% below the Banks median (#999999 of 48)
No single metric tells the full story. See the MEX:RKT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
48GF Score
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