RKT vs. BIL
RKT (Rocket Companies, Inc.) is a stock, while BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) is Government Bonds fund tracking the Bloomberg 1-3 Month U.S. Treasury Bill Index. Over the past 5 years, RKT returned -3.17%/yr vs 3.54%/yr for BIL. Their 0.02 correlation means their historical movements had little consistent relationship.
Performance
RKT vs. BIL - Performance Comparison
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Returns By Period
In the year-to-date period, RKT achieves a -33.37% return, which is significantly lower than BIL's 2.08% return.
RKT
- 1D
- -2.71%
- 1M
- -18.20%
- 6M
- -28.05%
- YTD
- -33.37%
- 1Y
- -22.01%
- 3Y*
- 8.54%
- 5Y*
- -3.17%
- 10Y*
- —
- ALL TIME*
- -2.62%
BIL
- 1D
- 0.03%
- 1M
- 0.26%
- 6M
- 1.78%
- YTD
- 2.08%
- 1Y
- 3.76%
- 3Y*
- 4.56%
- 5Y*
- 3.54%
- 10Y*
- 2.24%
- ALL TIME*
- 1.37%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $778.54M | $838.53M | $900.58M | |
| $388.66M | $409.39M | $418.90M |
RKT vs. BIL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
RKT Rocket Companies, Inc. | -33.37% | 81.69% | -22.24% | 106.86% | -46.18% | -27.56% | 12.33% |
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 2.08% | 4.15% | 5.19% | 4.94% | 1.40% | -0.10% | -0.01% |
Correlation
The correlation between RKT and BIL is 0.00, meaning there was essentially no consistent relationship between their historical price movements. Each responded to its own set of market drivers.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.00 |
Correlation (3Y) Balances recent behavior with more history. | -0.00 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.02 |
Correlation (All Time) Calculated using the full available price history since Aug 6, 2020 | 0.02 |
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Return for Risk
RKT vs. BIL — Risk / Return Rank
RKT
BIL
RKT vs. BIL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Rocket Companies, Inc. (RKT) and SPDR Bloomberg 1-3 Month T-Bill ETF (BIL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| RKT | BIL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -19.34 | ||
| Sortino ratioReturn per unit of downside risk | -153.03 | ||
| Omega ratioGain probability vs. loss probability | 1.01 | 69.35 | -68.34 |
| Calmar ratioReturn relative to maximum drawdown | -0.27 | 349.28 | -349.54 |
| Martin ratioReturn relative to average drawdown | -0.47 | 2,476.90 | -2,477.37 |
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Drawdowns
RKT vs. BIL - Drawdown Comparison
The maximum RKT drawdown since its inception was -83.00%, which is greater than BIL's maximum drawdown of -0.78%. Use the drawdown chart below to compare losses from any high point for RKT and BIL.
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Drawdown Indicators
| RKT | BIL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -83.00% | -0.78% | -82.22% |
Max Drawdown (1Y)Largest decline over 1 year | -47.31% | -0.01% | -47.30% |
Max Drawdown (3Y)Largest decline over 3 years | -50.60% | -0.01% | -50.59% |
Max Drawdown (5Y)Largest decline over 5 years | -64.90% | -0.08% | -64.82% |
Max Drawdown (10Y)Largest decline over 10 years | — | -0.21% | — |
Current DrawdownCurrent decline from peak | -63.09% | 0.00% | -63.09% |
Average DrawdownAverage peak-to-trough decline | -60.12% | -0.26% | -59.86% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 27.24% | 0.00% | +27.24% |
Volatility
RKT vs. BIL - Volatility Comparison
Rocket Companies, Inc. (RKT) has a higher volatility of 13.43% compared to SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) at 0.07%. This indicates that RKT's price experiences larger fluctuations and is considered to be riskier than BIL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RKT | BIL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 13.43% | 0.07% | +13.36% |
Volatility (6M)Calculated over the trailing 6-month period | 46.45% | 0.14% | +46.31% |
Volatility (1Y)Calculated over the trailing 1-year period | 60.27% | 0.20% | +60.07% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 54.36% | 0.26% | +54.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 64.90% | 0.26% | +64.64% |
Dividends
RKT vs. BIL - Dividend Comparison
RKT has not paid dividends to shareholders, while BIL's dividend yield for the trailing twelve months is around 3.81%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 3.46% | 4.13% | 5.03% | 4.92% | 1.35% | 0.00% | 0.30% | 2.05% | 1.66% | 0.68% | 0.07% |
RKT Rocket Companies, Inc. | 0.00% | 4.13% | 0.00% | 0.00% | 14.43% | 7.93% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
RKT and BIL have a correlation of 0.00, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
RKT has higher volatility (13.43%) compared to BIL (0.07%). In terms of maximum drawdown, RKT dropped -83.00% vs BIL's -0.78%.
BIL currently has the higher Sharpe Ratio (19.13 vs -0.21), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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