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Dec 31, 2025
Rocket Companies Q4 2025 Earnings Report
Rocket Companies reported strong fourth quarter 2025 results with revenue growth, profitability, and record mortgage volume metrics for a fourth quarter in four years.
Key Takeaways
Rocket Companies delivered $2692000000 in Q4 2025 revenue with GAAP net income of $68000000 and adjusted net income of $316000000, supported by strong origination volumes and servicing portfolio growth.
Total revenue, net increased to 2692000000 from 1769000000 year over year.
Adjusted net income rose to 316000000 from 85000000 in the prior year quarter.
Closed loan origination volume reached 47300000000 with a 2.82% gain on sale margin.
Servicing portfolio grew to 2100000000000 in unpaid principal balance across 9500000 loans.
Revenue by Segment
Forward Guidance
For Q1 2026, the company expects adjusted revenue between 2600000000 and 2800000000, reflecting continued momentum and accounting reclassification impacts.
Positive Outlook
- Q1 2026 adjusted revenue guidance between 2600000000 and 2800000000.
- Guidance includes 150000000 benefit from revenue reclassification.
- Strategic alliance with Compass to expand housing inventory.
- Strong integration progress with Redfin and Mr. Cooper.
- Digital pre-approval launch improving conversion rates.
Challenges Ahead
- Warehouse interest reclassification increases reported revenue and expenses.
- Mortgage market remains sensitive to interest rate volatility.
- Servicing fair value adjustments can impact reported revenue.
- Acquisition-related integration costs may continue.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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