Rocket Companies vs SoFi
Rocket Companies and SoFi Technologies, Inc. are compared on this page, illustrating how each organisation structures its business model, presents its financial performance, and the market context in which it operates. The content is neutral and accessible, aimed at readers seeking a balanced view. Educational content, not financial advice.
Rocket Companies and SoFi Technologies, Inc. are compared on this page, illustrating how each organisation structures its business model, presents its financial performance, and the market context in ...
Why It's Moving
RKT surges 5.8% amid fintech buzz and falling rates fueling mortgage optimism.
- Flagged as a top fintech stock on February 1 due to surging dollar trading volume, signaling fresh investor interest.
- Lower rates from 7% peaks are sparking refinancing boomβRocket's specialtyβwhile purchase activity firms up with better affordability.
- Anticipation builds for Q4 earnings beat with +16.28% Earnings ESP, following a pattern of 35%+ surprises and supportive policy tailwinds.
Needham Slashes SoFi Price Target Amid Mixed Analyst Signals Post-Earnings Strength.
- Q4 revenue surged to $1.01B, smashing estimates by over $25M and up 39.6% year-over-year, underscoring robust demand for lending and tech platform services.
- Earnings hit $0.13 per share, beating expectations by $0.01, while adding 1 million members signals accelerating user adoption and profitability path.
- Analyst actions mixed: Needham cuts target to $33 but maintains Buy vibe, contrasting Hold consensus around $26 average for 2026.
RKT surges 5.8% amid fintech buzz and falling rates fueling mortgage optimism.
- Flagged as a top fintech stock on February 1 due to surging dollar trading volume, signaling fresh investor interest.
- Lower rates from 7% peaks are sparking refinancing boomβRocket's specialtyβwhile purchase activity firms up with better affordability.
- Anticipation builds for Q4 earnings beat with +16.28% Earnings ESP, following a pattern of 35%+ surprises and supportive policy tailwinds.
Needham Slashes SoFi Price Target Amid Mixed Analyst Signals Post-Earnings Strength.
- Q4 revenue surged to $1.01B, smashing estimates by over $25M and up 39.6% year-over-year, underscoring robust demand for lending and tech platform services.
- Earnings hit $0.13 per share, beating expectations by $0.01, while adding 1 million members signals accelerating user adoption and profitability path.
- Analyst actions mixed: Needham cuts target to $33 but maintains Buy vibe, contrasting Hold consensus around $26 average for 2026.
Investment Analysis
Pros
- Rocket Companies is undertaking a large-scale acquisition of Mr. Cooper Group, expected to close in Q4 2025, which could scale its mortgage servicing operations significantly.
- The company operates two integrated segmentsβDirect to Consumer and Partner Networkβleveraging performance marketing and partnerships for diversified mortgage business channels.
- Rocket Companies benefits from a strong brand presence in the homeownership fintech space and has a platform facilitating efficient mortgage solutions.
Considerations
- The stockβs current valuation shows a very negative P/E ratio indicating ongoing losses and uncertainty around profitability.
- Rocket Companiesβ share price has experienced high volatility with a wide 52-week price range, reflecting market concerns or inconsistent financial performance.
- The company has zero dividend yield, offering no direct income return to shareholders while focusing on growth and integration risks from recent acquisitions.
SoFi
SOFI
Pros
- SoFi reported strong Q3 2025 results with 36% year-over-year revenue growth and raised full-year guidance, showing robust operational momentum.
- The firmβs expansion into diverse financial services including lending, investing, and technology platforms positions it for cross-selling and customer retention benefits.
- Securing a national banking charter enables SoFi to expand its deposit base and fund loans more efficiently, improving net interest income potential.
Considerations
- Despite recent gains, SoFiβs stock price forecast indicates potential declines and a bearish sentiment in the near term, with some analysts maintaining cautious views.
- The company trades at a high forward price-to-earnings ratio, reflecting elevated expectations that may pressure the stock if growth slows or execution falters.
- SoFi faces competitive pressures in fintech and lending markets, alongside regulatory risks related to its expanding banking and crypto-related services.
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Rocket Companies (RKT) Next Earnings Date
Rocket Companies (RKT) has not confirmed its next earnings date, but estimates point to Thursday, February 26, 2026, based on historical patterns and analyst projections. This report will cover the fourth quarter of 2025 (Q4 2025). Investors should monitor official company announcements for any updates to this estimated timeline.
SoFi (SOFI) Next Earnings Date
SoFi Technologies (SOFI) is expected to report its next earnings for Q1 2026 on or around May 4-5, 2026. This follows the company's recent Q4 2025 earnings release on January 30, 2026, aligning with its historical pattern of late April or early May announcements for the first quarter. Consensus estimates point to this timeframe based on analyst projections and prior reporting cycles.
Rocket Companies (RKT) Next Earnings Date
Rocket Companies (RKT) has not confirmed its next earnings date, but estimates point to Thursday, February 26, 2026, based on historical patterns and analyst projections. This report will cover the fourth quarter of 2025 (Q4 2025). Investors should monitor official company announcements for any updates to this estimated timeline.
SoFi (SOFI) Next Earnings Date
SoFi Technologies (SOFI) is expected to report its next earnings for Q1 2026 on or around May 4-5, 2026. This follows the company's recent Q4 2025 earnings release on January 30, 2026, aligning with its historical pattern of late April or early May announcements for the first quarter. Consensus estimates point to this timeframe based on analyst projections and prior reporting cycles.
Which Baskets Do They Appear In?
Investing Post-46,000: Which Assets May Outperform?
The Dow's historic close above 46,000 was fueled by anticipation of Federal Reserve rate cuts, signaling strong investor confidence. This creates an investment opportunity in sectors that are poised to benefit from a lower interest rate environment.
Published: September 12, 2025
Explore BasketWhich Baskets Do They Appear In?
Investing Post-46,000: Which Assets May Outperform?
The Dow's historic close above 46,000 was fueled by anticipation of Federal Reserve rate cuts, signaling strong investor confidence. This creates an investment opportunity in sectors that are poised to benefit from a lower interest rate environment.
Published: September 12, 2025
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