Earnings Releases·Oct 29, 2026, 5:19 PM ET

Rocket Companies — Third Quarter 2026 Earnings Summary

**Financial Performance:** Total revenue net of $3.28 billion and GAAP net income of $709 million for Q3 2026, marking a reversal from the $124 million loss in Q3 2025; adjusted net income rose to $419 million and adjusted EBITDA reached $748 million.
**Operational Growth:** The company achieved its highest profitability margin in nearly five years while gaining market share in purchase and refinance segments despite mortgage rates hitting a three-year high.
**Strategic Initiatives:** Launched "Orbit" for Rocket Pro and "Rowan" AI agent for Rocket Money, while becoming the first lender to adopt VantageScore 4.0 to reduce closing costs; AI now handles 65% of inbound servicing calls.
**Guidance & Outlook:** Provided Q4 2026 adjusted revenue guidance between $2.1 billion and $2.3 billion, supported by a total liquidity position of $11.4 billion and a servicing portfolio unpaid principal balance of $2.0 trillion.