210.79 USD
-6 (-2.77%)
213 USD
+2.21 (+1.05%)
We assign a fundamental rating of 4 out of 10 to COOP. COOP was compared to 98 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
COOP had positive earnings in the past year.
COOP had a negative operating cash flow in the past year.
Each year in the past 5 years COOP has been profitable.
COOP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of COOP (3.08%) is better than 69.70% of its industry peers.
COOP has a Return On Equity of 11.18%. This is comparable to the rest of the industry: COOP outperforms 59.60% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.54%, COOP is in line with its industry, outperforming 55.56% of the companies in the same industry.
COOP had an Average Return On Invested Capital over the past 3 years of 5.13%. This is below the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.08% | ||
| ROE | 11.18% | ||
| ROIC | 3.54% |
ROA(3y)4.76%
ROA(5y)5.1%
ROE(3y)16.11%
ROE(5y)20.5%
ROIC(3y)5.13%
ROIC(5y)5.62%
1.3 Margins
COOP has a Profit Margin of 25.38%. This is in the better half of the industry: COOP outperforms 79.80% of its industry peers.
COOP's Profit Margin has improved in the last couple of years.
COOP has a better Operating Margin (36.91%) than 75.76% of its industry peers.
In the last couple of years the Operating Margin of COOP has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36.91% | ||
| PM (TTM) | 25.38% | ||
| GM | N/A |
OM growth 3Y-5.97%
OM growth 5Y30.89%
PM growth 3Y-11.06%
PM growth 5Y16.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), COOP is destroying value.
Compared to 1 year ago, COOP has less shares outstanding
COOP has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, COOP has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.20, we must say that COOP is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 1.20, COOP is doing good in the industry, outperforming 63.64% of the companies in the same industry.
COOP has a Debt/Equity ratio of 2.39. This is a high value indicating a heavy dependency on external financing.
COOP's Debt to Equity ratio of 2.39 is on the low side compared to the rest of the industry. COOP is outperformed by 67.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.39 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.2 |
ROIC/WACC0.47
WACC7.53%
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.
With a Current ratio value of 0.40, COOP is not doing good in the industry: 67.68% of the companies in the same industry are doing better.
A Quick Ratio of 0.40 indicates that COOP may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.40, COOP is doing worse than 67.68% of the companies in the same industry.
| 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 25.48%, which is quite impressive.
COOP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.95% yearly.
COOP shows a small growth in Revenue. In the last year, the Revenue has grown by 5.69%.
COOP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.92% yearly.
EPS 1Y (TTM)25.48%
EPS 3Y5.66%
EPS 5Y16.95%
EPS Q2Q%24.21%
Revenue 1Y (TTM)5.69%
Revenue growth 3Y-12.47%
Revenue growth 5Y2.92%
Sales Q2Q%4.29%
3.2 Future
COOP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.90% yearly.
The Revenue is expected to grow by 10.20% on average over the next years. This is quite good.
EPS Next Y23.08%
EPS Next 2Y21.16%
EPS Next 3Y17.9%
EPS Next 5YN/A
Revenue Next Year13.79%
Revenue Next 2Y12.3%
Revenue Next 3Y10.2%
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 stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 18.06, the valuation of COOP can be described as rather expensive.
COOP's Price/Earnings is on the same level as the industry average.
COOP's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.60.
COOP is valuated correctly with a Price/Forward Earnings ratio of 13.85.
COOP's Price/Forward Earnings is on the same level as the industry average.
COOP's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.06 | ||
| Fwd PE | 13.85 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of COOP is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 26.83 |
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 17.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)1.07
EPS Next 2Y21.16%
EPS Next 3Y17.9%
5. Dividend
5.1 Amount
COOP has a yearly dividend return of 0.95%, which is pretty low.
COOP's Dividend Yield is comparable with the industry average which is at 2.36.
With a Dividend Yield of 0.95, COOP pays less dividend than the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
5.2 History
COOP is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y21.16%
EPS Next 3Y17.9%
210.79
-6 (-2.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.82%
Inst Owner Change-0.26%
Ins Owners1.89%
Ins Owner Change-21.54%
Market Cap13.49B
Revenue(TTM)2.25B
Net Income(TTM)570.00M
Analysts75.71
Price Target175.95 (-16.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.86%
Min EPS beat(2)-3.55%
Max EPS beat(2)-0.18%
EPS beat(4)2
Avg EPS beat(4)1.11%
Min EPS beat(4)-3.55%
Max EPS beat(4)7.72%
EPS beat(8)6
Avg EPS beat(8)13.25%
EPS beat(12)10
Avg EPS beat(12)15.82%
EPS beat(16)14
Avg EPS beat(16)49.45%
Revenue beat(2)0
Avg Revenue beat(2)-11.09%
Min Revenue beat(2)-11.6%
Max Revenue beat(2)-10.58%
Revenue beat(4)1
Avg Revenue beat(4)-9.05%
Min Revenue beat(4)-23.26%
Max Revenue beat(4)9.23%
Revenue beat(8)4
Avg Revenue beat(8)-0.33%
Revenue beat(12)6
Avg Revenue beat(12)-0.3%
Revenue beat(16)10
Avg Revenue beat(16)8.38%
PT rev (1m)0%
PT rev (3m)20.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.06 | ||
| Fwd PE | 13.85 | ||
| P/S | 6.01 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.65 | ||
| P/tB | 2.78 | ||
| EV/EBITDA | 26.83 |
EPS(TTM)11.67
EY5.54%
EPS(NY)15.22
Fwd EY7.22%
FCF(TTM)-22.22
FCFYN/A
OCF(TTM)-0.98
OCFYN/A
SpS35.1
BVpS79.68
TBVpS75.9
PEG (NY)0.78
PEG (5Y)1.07
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.08% | ||
| ROE | 11.18% | ||
| ROCE | 5.01% | ||
| ROIC | 3.54% | ||
| ROICexc | 3.7% | ||
| ROICexgc | 3.98% | ||
| OM | 36.91% | ||
| PM (TTM) | 25.38% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)4.76%
ROA(5y)5.1%
ROE(3y)16.11%
ROE(5y)20.5%
ROIC(3y)5.13%
ROIC(5y)5.62%
ROICexc(3y)5.36%
ROICexc(5y)5.92%
ROICexgc(3y)5.76%
ROICexgc(5y)6.3%
ROCE(3y)7.69%
ROCE(5y)8.61%
ROICexgc growth 3Y-25.49%
ROICexgc growth 5Y27.88%
ROICexc growth 3Y-25.94%
ROICexc growth 5Y27.26%
OM growth 3Y-5.97%
OM growth 5Y30.89%
PM growth 3Y-11.06%
PM growth 5Y16.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.39 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 13.74 | ||
| Cap/Depr | 2384.21% | ||
| Cap/Sales | 60.51% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.4 | ||
| Quick Ratio | 0.4 | ||
| Altman-Z | 1.2 |
F-Score3
WACC7.53%
ROIC/WACC0.47
Cap/Depr(3y)1082.9%
Cap/Depr(5y)679.53%
Cap/Sales(3y)21.41%
Cap/Sales(5y)13.51%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.48%
EPS 3Y5.66%
EPS 5Y16.95%
EPS Q2Q%24.21%
EPS Next Y23.08%
EPS Next 2Y21.16%
EPS Next 3Y17.9%
EPS Next 5YN/A
Revenue 1Y (TTM)5.69%
Revenue growth 3Y-12.47%
Revenue growth 5Y2.92%
Sales Q2Q%4.29%
Revenue Next Year13.79%
Revenue Next 2Y12.3%
Revenue Next 3Y10.2%
Revenue Next 5YN/A
EBIT growth 1Y-9.1%
EBIT growth 3Y-17.7%
EBIT growth 5Y34.71%
EBIT Next Year178.43%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-210.92%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-104.72%
OCF growth 3YN/A
OCF growth 5YN/A
MR COOPER GROUP INC / COOP FAQ
Can you provide the ChartMill fundamental rating for MR COOPER GROUP INC?
ChartMill assigns a fundamental rating of 4 / 10 to COOP.
What is the valuation status of MR COOPER GROUP INC (COOP) stock?
ChartMill assigns a valuation rating of 4 / 10 to MR COOPER GROUP INC (COOP). This can be considered as Fairly Valued.
Can you provide the profitability details for MR COOPER GROUP INC?
MR COOPER GROUP INC (COOP) has a profitability rating of 5 / 10.
Can you provide the financial health for COOP stock?
The financial health rating of MR COOPER GROUP INC (COOP) is 1 / 10.
Can you provide the expected EPS growth for COOP stock?
The Earnings per Share (EPS) of MR COOPER GROUP INC (COOP) is expected to grow by 23.08% in the next year.