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MR COOPER GROUP INC (COOP) Stock Fundamental Analysis

NASDAQ:COOP - Nasdaq - US62482R1077 - Common Stock

102.81  -0.87 (-0.84%)

After market: 102.81 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to COOP. COOP was compared to 101 industry peers in the Financial Services industry. While COOP is still in line with the averages on profitability rating, there are concerns on its financial health. COOP may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

COOP had positive earnings in the past year.
In the past year COOP had a positive cash flow from operations.
COOP had positive earnings in each of the past 5 years.
Each year in the past 5 years COOP had a positive operating cash flow.
COOP Yearly Net Income VS EBIT VS OCF VS FCFCOOP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B 2B 3B

1.2 Ratios

COOP's Return On Assets of 3.16% is fine compared to the rest of the industry. COOP outperforms 66.34% of its industry peers.
With a Return On Equity value of 11.02%, COOP perfoms like the industry average, outperforming 52.48% of the companies in the same industry.
COOP's Return On Invested Capital of 3.66% is in line compared to the rest of the industry. COOP outperforms 57.43% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for COOP is in line with the industry average of 7.84%.
Industry RankSector Rank
ROA 3.16%
ROE 11.02%
ROIC 3.66%
ROA(3y)6.91%
ROA(5y)4.69%
ROE(3y)25.52%
ROE(5y)20.16%
ROIC(3y)7.08%
ROIC(5y)5.13%
COOP Yearly ROA, ROE, ROICCOOP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

1.3 Margins

COOP's Profit Margin of 25.87% is fine compared to the rest of the industry. COOP outperforms 79.21% of its industry peers.
In the last couple of years the Profit Margin of COOP has declined.
The Operating Margin of COOP (37.22%) is better than 80.20% of its industry peers.
In the last couple of years the Operating Margin of COOP has grown nicely.
Industry RankSector Rank
OM 37.22%
PM (TTM) 25.87%
GM N/A
OM growth 3Y1.13%
OM growth 5Y36.73%
PM growth 3Y35.39%
PM growth 5Y-13.5%
GM growth 3YN/A
GM growth 5YN/A
COOP Yearly Profit, Operating, Gross MarginsCOOP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500 -500 1K -1K

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2

2. Health

2.1 Basic Checks

COOP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, COOP has less shares outstanding
Compared to 5 years ago, COOP has less shares outstanding
The debt/assets ratio for COOP is higher compared to a year ago.
COOP Yearly Shares OutstandingCOOP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M
COOP Yearly Total Debt VS Total AssetsCOOP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B 20B

2.2 Solvency

COOP has an Altman-Z score of 0.94. This is a bad value and indicates that COOP is not financially healthy and even has some risk of bankruptcy.
COOP has a Altman-Z score (0.94) which is comparable to the rest of the industry.
The Debt to FCF ratio of COOP is 58.82, which is on the high side as it means it would take COOP, 58.82 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of COOP (58.82) is comparable to the rest of the industry.
A Debt/Equity ratio of 2.21 is on the high side and indicates that COOP has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.21, COOP is doing worse than 66.34% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.21
Debt/FCF 58.82
Altman-Z 0.94
ROIC/WACC0.49
WACC7.49%
COOP Yearly LT Debt VS Equity VS FCFCOOP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2B 4B 6B 8B 10B

2.3 Liquidity

COOP has a Current Ratio of 0.40. This is a bad value and indicates that COOP is not financially healthy enough and could expect problems in meeting its short term obligations.
COOP has a worse Current ratio (0.40) than 66.34% of its industry peers.
COOP has a Quick Ratio of 0.40. This is a bad value and indicates that COOP is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.40, COOP is doing worse than 66.34% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.4
Quick Ratio 0.4
COOP Yearly Current Assets VS Current LiabilitesCOOP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B

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6

3. Growth

3.1 Past

COOP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.85%, which is quite impressive.
The Earnings Per Share has been decreasing by -8.20% on average over the past years.
Looking at the last year, COOP shows a quite strong growth in Revenue. The Revenue has grown by 16.66% in the last year.
The Revenue has been growing slightly by 0.04% on average over the past years.
EPS 1Y (TTM)43.85%
EPS 3Y-7.59%
EPS 5Y-8.2%
EPS Q2Q%1.79%
Revenue 1Y (TTM)16.66%
Revenue growth 3Y-12.62%
Revenue growth 5Y0.04%
Sales Q2Q%-26.13%

3.2 Future

Based on estimates for the next years, COOP will show a very strong growth in Earnings Per Share. The EPS will grow by 27.88% on average per year.
COOP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.07% yearly.
EPS Next Y42.92%
EPS Next 2Y36.22%
EPS Next 3Y27.88%
EPS Next 5YN/A
Revenue Next Year21.06%
Revenue Next 2Y22.99%
Revenue Next 3Y17.07%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
COOP Yearly Revenue VS EstimatesCOOP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1B 2B 3B
COOP Yearly EPS VS EstimatesCOOP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5 10 15

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.00, the valuation of COOP can be described as very reasonable.
Based on the Price/Earnings ratio, COOP is valued a bit cheaper than 65.35% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. COOP is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.55, the valuation of COOP can be described as very cheap.
COOP's Price/Forward Earnings ratio is rather cheap when compared to the industry. COOP is cheaper than 80.20% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of COOP to the average of the S&P500 Index (24.44), we can say COOP is valued rather cheaply.
Industry RankSector Rank
PE 11
Fwd PE 7.55
COOP Price Earnings VS Forward Price EarningsCOOP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

COOP's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of COOP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 37.8
EV/EBITDA 19.62
COOP Per share dataCOOP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

COOP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
COOP's earnings are expected to grow with 27.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y36.22%
EPS Next 3Y27.88%

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0

5. Dividend

5.1 Amount

No dividends for COOP!.
Industry RankSector Rank
Dividend Yield N/A

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MR COOPER GROUP INC

NASDAQ:COOP (1/21/2025, 8:00:00 PM)

After market: 102.81 0 (0%)

102.81

-0.87 (-0.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-23 2024-10-23/bmo
Earnings (Next)02-07 2025-02-07/amc
Inst Owners89.62%
Inst Owner Change-0.59%
Ins Owners3.75%
Ins Owner Change0%
Market Cap6.58B
Analysts80
Price Target113.73 (10.62%)
Short Float %3.07%
Short Ratio4.16
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend1.06
Dividend Growth(5Y)-45.45%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.05%
Min EPS beat(2)4.38%
Max EPS beat(2)7.72%
EPS beat(4)4
Avg EPS beat(4)11.28%
Min EPS beat(4)4.38%
Max EPS beat(4)26.04%
EPS beat(8)8
Avg EPS beat(8)22.14%
EPS beat(12)12
Avg EPS beat(12)63.85%
EPS beat(16)16
Avg EPS beat(16)52.8%
Revenue beat(2)1
Avg Revenue beat(2)-9.74%
Min Revenue beat(2)-23.26%
Max Revenue beat(2)3.79%
Revenue beat(4)2
Avg Revenue beat(4)-3.73%
Min Revenue beat(4)-23.26%
Max Revenue beat(4)11.24%
Revenue beat(8)4
Avg Revenue beat(8)-1.61%
Revenue beat(12)8
Avg Revenue beat(12)10.01%
Revenue beat(16)11
Avg Revenue beat(16)10.81%
PT rev (1m)0.45%
PT rev (3m)3.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.88%
EPS NY rev (1m)0%
EPS NY rev (3m)2.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)-3.95%
Valuation
Industry RankSector Rank
PE 11
Fwd PE 7.55
P/S 3.33
P/FCF 37.8
P/OCF 32.4
P/B 1.42
P/tB 1.47
EV/EBITDA 19.62
EPS(TTM)9.35
EY9.09%
EPS(NY)13.62
Fwd EY13.25%
FCF(TTM)2.72
FCFY2.65%
OCF(TTM)3.17
OCFY3.09%
SpS30.87
BVpS72.49
TBVpS69.93
PEG (NY)0.26
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.16%
ROE 11.02%
ROCE 5.12%
ROIC 3.66%
ROICexc 3.84%
ROICexgc 4.12%
OM 37.22%
PM (TTM) 25.87%
GM N/A
FCFM 8.81%
ROA(3y)6.91%
ROA(5y)4.69%
ROE(3y)25.52%
ROE(5y)20.16%
ROIC(3y)7.08%
ROIC(5y)5.13%
ROICexc(3y)7.49%
ROICexc(5y)5.4%
ROICexgc(3y)7.97%
ROICexgc(5y)5.73%
ROCE(3y)10.58%
ROCE(5y)7.81%
ROICexcg growth 3Y8.11%
ROICexcg growth 5Y40.6%
ROICexc growth 3Y7.17%
ROICexc growth 5Y39.36%
OM growth 3Y1.13%
OM growth 5Y36.73%
PM growth 3Y35.39%
PM growth 5Y-13.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 2.21
Debt/FCF 58.82
Debt/EBITDA 13.29
Cap/Depr 82.86%
Cap/Sales 1.47%
Interest Coverage 250
Cash Conversion 26.36%
Profit Quality 34.05%
Current Ratio 0.4
Quick Ratio 0.4
Altman-Z 0.94
F-Score4
WACC7.49%
ROIC/WACC0.49
Cap/Depr(3y)84.91%
Cap/Depr(5y)77.12%
Cap/Sales(3y)1.61%
Cap/Sales(5y)1.9%
Profit Quality(3y)252.6%
Profit Quality(5y)217.72%
High Growth Momentum
Growth
EPS 1Y (TTM)43.85%
EPS 3Y-7.59%
EPS 5Y-8.2%
EPS Q2Q%1.79%
EPS Next Y42.92%
EPS Next 2Y36.22%
EPS Next 3Y27.88%
EPS Next 5YN/A
Revenue 1Y (TTM)16.66%
Revenue growth 3Y-12.62%
Revenue growth 5Y0.04%
Sales Q2Q%-26.13%
Revenue Next Year21.06%
Revenue Next 2Y22.99%
Revenue Next 3Y17.07%
Revenue Next 5YN/A
EBIT growth 1Y22.91%
EBIT growth 3Y-11.64%
EBIT growth 5Y36.79%
EBIT Next Year231.73%
EBIT Next 3Y74.28%
EBIT Next 5YN/A
FCF growth 1Y-97.33%
FCF growth 3Y45.5%
FCF growth 5Y-24.72%
OCF growth 1Y-96.9%
OCF growth 3Y39.37%
OCF growth 5Y-24.05%