MR COOPER GROUP INC (COOP) Stock Fundamental Analysis
NASDAQ:COOP - Nasdaq - US62482R1077 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to COOP. COOP was compared to 101 industry peers in the Financial Services industry. There are concerns on the financial health of COOP while its profitability can be described as average. COOP is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
In the past year COOP was profitable.
COOP had a positive operating cash flow in the past year.
Each year in the past 5 years COOP has been profitable.
Of the past 5 years COOP 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.16%, COOP is in the better half of the industry, outperforming 65.35% of the companies in the same industry.
COOP has a Return On Equity (11.02%) which is comparable to the rest of the industry.
COOP has a Return On Invested Capital (3.62%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for COOP is below the industry average of 7.75%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.16% | ||
| ROE | 11.02% | ||
| ROIC | 3.62% |
ROA(3y)4.76%
ROA(5y)5.1%
ROE(3y)16.11%
ROE(5y)20.5%
ROIC(3y)5.17%
ROIC(5y)5.64%
1.3 Margins
COOP has a Profit Margin of 25.87%. This is amongst the best in the industry. COOP outperforms 80.20% of its industry peers.
COOP's Profit Margin has improved in the last couple of years.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 37.22% | ||
| PM (TTM) | 25.87% | ||
| GM | N/A |
OM growth 3Y-7.28%
OM growth 5Y29.8%
PM growth 3Y-11.06%
PM growth 5Y16.33%
GM growth 3YN/A
GM growth 5YN/A
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.
COOP has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, COOP has less shares outstanding
COOP has a worse debt/assets ratio than last year.
2.2 Solvency
COOP has an Altman-Z score of 0.96. This is a bad value and indicates that COOP is not financially healthy and even has some risk of bankruptcy.
COOP's Altman-Z score of 0.96 is in line compared to the rest of the industry. COOP outperforms 59.41% of its industry peers.
COOP has a debt to FCF ratio of 58.82. This is a negative value and a sign of low solvency as COOP would need 58.82 years to pay back of all of its debts.
With a Debt to FCF ratio value of 58.82, COOP perfoms like the industry average, outperforming 42.57% of the companies in the same industry.
COOP has a Debt/Equity ratio of 2.21. This is a high value indicating a heavy dependency on external financing.
COOP has a worse Debt to Equity ratio (2.21) than 66.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.21 | ||
| Debt/FCF | 58.82 | ||
| Altman-Z | 0.96 |
ROIC/WACC0.37
WACC9.8%
2.3 Liquidity
A Current Ratio of 0.40 indicates that COOP may have some problems paying its short term obligations.
The Current ratio of COOP (0.40) is worse than 65.35% of its industry peers.
A Quick Ratio of 0.40 indicates that COOP may have some problems paying its short term obligations.
With a Quick ratio value of 0.40, COOP is not doing good in the industry: 65.35% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.4 | ||
| Quick Ratio | 0.4 |
3. Growth
3.1 Past
COOP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.28%, which is quite impressive.
Measured over the past years, COOP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.95% on average per year.
Looking at the last year, COOP shows a very strong growth in Revenue. The Revenue has grown by 24.02%.
The Revenue has been growing slightly by 2.92% on average over the past years.
EPS 1Y (TTM)41.28%
EPS 3Y5.66%
EPS 5Y16.95%
EPS Q2Q%59.65%
Revenue 1Y (TTM)24.02%
Revenue growth 3Y-12.47%
Revenue growth 5Y2.92%
Sales Q2Q%61.88%
3.2 Future
COOP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.50% yearly.
COOP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.36% yearly.
EPS Next Y30.38%
EPS Next 2Y25.06%
EPS Next 3Y21.5%
EPS Next 5YN/A
Revenue Next Year21.72%
Revenue Next 2Y15.82%
Revenue Next 3Y11.36%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.66, which indicates a very decent valuation of COOP.
Based on the Price/Earnings ratio, COOP is valued a bit cheaper than 67.33% of the companies in the same industry.
COOP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.
Based on the Price/Forward Earnings ratio of 8.17, the valuation of COOP can be described as reasonable.
76.24% of the companies in the same industry are more expensive than COOP, based on the Price/Forward Earnings ratio.
COOP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.66 | ||
| Fwd PE | 8.17 |
4.2 Price Multiples
COOP's Enterprise Value to EBITDA ratio is in line with the industry average.
COOP's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 40.63 | ||
| EV/EBITDA | 20.15 |
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 has a very decent profitability rating, which may justify a higher PE ratio.
COOP's earnings are expected to grow with 21.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)0.63
EPS Next 2Y25.06%
EPS Next 3Y21.5%
5. Dividend
5.1 Amount
No dividends for COOP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
110.51
+1.36 (+1.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners89.62%
Inst Owner Change5.82%
Ins Owners3.75%
Ins Owner Change0%
Market Cap7.07B
Analysts80
Price Target127.5 (15.37%)
Short Float %2.64%
Short Ratio3.42
Dividend
| Industry Rank | Sector 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)2.64%
PT rev (3m)3.1%
EPS NQ rev (1m)1.34%
EPS NQ rev (3m)0.58%
EPS NY rev (1m)0.12%
EPS NY rev (3m)0.12%
Revenue NQ rev (1m)2.15%
Revenue NQ rev (3m)2.18%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.66 | ||
| Fwd PE | 8.17 | ||
| P/S | 3.58 | ||
| P/FCF | 40.63 | ||
| P/OCF | 34.83 | ||
| P/B | 1.52 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | 20.15 |
EPS(TTM)10.37
EY9.38%
EPS(NY)13.52
Fwd EY12.23%
FCF(TTM)2.72
FCFY2.46%
OCF(TTM)3.17
OCFY2.87%
SpS30.87
BVpS72.49
TBVpS69.93
PEG (NY)0.35
PEG (5Y)0.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.16% | ||
| ROE | 11.02% | ||
| ROCE | 5.12% | ||
| ROIC | 3.62% | ||
| ROICexc | 3.8% | ||
| ROICexgc | 4.07% | ||
| OM | 37.22% | ||
| PM (TTM) | 25.87% | ||
| GM | N/A | ||
| FCFM | 8.81% |
ROA(3y)4.76%
ROA(5y)5.1%
ROE(3y)16.11%
ROE(5y)20.5%
ROIC(3y)5.17%
ROIC(5y)5.64%
ROICexc(3y)5.41%
ROICexc(5y)5.94%
ROICexgc(3y)5.95%
ROICexgc(5y)6.41%
ROCE(3y)7.61%
ROCE(5y)8.56%
ROICexcg growth 3Y-22.41%
ROICexcg growth 5Y31.02%
ROICexc growth 3Y-25.22%
ROICexc growth 5Y28.01%
OM growth 3Y-7.28%
OM growth 5Y29.8%
PM growth 3Y-11.06%
PM growth 5Y16.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.12
Health
| Industry Rank | Sector 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 | 0.96 |
F-Score5
WACC9.8%
ROIC/WACC0.37
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)41.28%
EPS 3Y5.66%
EPS 5Y16.95%
EPS Q2Q%59.65%
EPS Next Y30.38%
EPS Next 2Y25.06%
EPS Next 3Y21.5%
EPS Next 5YN/A
Revenue 1Y (TTM)24.02%
Revenue growth 3Y-12.47%
Revenue growth 5Y2.92%
Sales Q2Q%61.88%
Revenue Next Year21.72%
Revenue Next 2Y15.82%
Revenue Next 3Y11.36%
Revenue Next 5YN/A
EBIT growth 1Y22.91%
EBIT growth 3Y-18.84%
EBIT growth 5Y33.58%
EBIT Next Year181.75%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-87.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-85.45%
OCF growth 3YN/A
OCF growth 5YN/A