MR COOPER GROUP INC (COOP) Stock Fundamental Analysis
USA - NASDAQ:COOP - US62482R1077 - Common Stock
219.92 USD
-0.98 (-0.44%)
219.93 USD
0.01 (0%)
Taking everything into account, COOP scores 3 out of 10 in our fundamental rating. 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. While showing a medium growth rate, COOP is valued expensive at the moment.
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 69.31% of its industry peers.
COOP has a better Return On Equity (11.18%) than 61.39% of its industry peers.
COOP has a Return On Invested Capital (3.54%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for COOP is below the industry average of 7.65%.
| 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's Profit Margin of 25.38% is amongst the best of the industry. COOP outperforms 80.20% of its industry peers.
In the last couple of years the Profit Margin of COOP has grown nicely.
COOP has a Operating Margin of 36.91%. This is in the better half of the industry: COOP outperforms 76.24% 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
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
The number of shares outstanding for COOP has been reduced compared to 5 years ago.
COOP has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.22, we must say that COOP is in the distress zone and has some risk of bankruptcy.
COOP has a better Altman-Z score (1.22) than 63.37% of its industry peers.
COOP has a Debt/Equity ratio of 2.39. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of COOP (2.39) is worse than 68.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.39 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.22 |
ROIC/WACC0.42
WACC8.42%
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: 67.33% of the companies in the same industry are doing better.
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 67.33% 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.
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.
The Revenue has been growing slightly by 5.69% in the past year.
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
The Earnings Per Share is expected to grow by 17.90% on average over the next years. This is quite good.
Based on estimates for the next years, COOP will show a quite strong growth in Revenue. The Revenue will grow by 10.20% on average per year.
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.
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
Based on the Price/Earnings ratio of 18.84, the valuation of COOP can be described as rather expensive.
The rest of the industry has a similar Price/Earnings ratio as COOP.
COOP's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.41.
With a Price/Forward Earnings ratio of 14.45, COOP is valued correctly.
The rest of the industry has a similar Price/Forward Earnings ratio as COOP.
COOP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.84 | ||
| Fwd PE | 14.45 |
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 | 27.49 |
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)0.82
PEG (5Y)1.11
EPS Next 2Y21.16%
EPS Next 3Y17.9%
5. Dividend
5.1 Amount
COOP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
219.92
-0.98 (-0.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.89%
Inst Owner Change-1.9%
Ins Owners1.89%
Ins Owner Change0.21%
Market Cap14.07B
Analysts75.71
Price Target175.95 (-19.99%)
Short Float %4.96%
Short Ratio3.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)9.06%
PT rev (3m)19.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.46%
EPS NY rev (1m)-3.02%
EPS NY rev (3m)-5.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.86%
Revenue NY rev (1m)-3.09%
Revenue NY rev (3m)-5.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.84 | ||
| Fwd PE | 14.45 | ||
| P/S | 6.27 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.76 | ||
| P/tB | 2.9 | ||
| EV/EBITDA | 27.49 |
EPS(TTM)11.67
EY5.31%
EPS(NY)15.22
Fwd EY6.92%
FCF(TTM)-22.22
FCFYN/A
OCF(TTM)-0.98
OCFYN/A
SpS35.1
BVpS79.68
TBVpS75.9
PEG (NY)0.82
PEG (5Y)1.11
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%
ROICexcg growth 3Y-25.49%
ROICexcg 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 | 1.22 |
F-Score3
WACC8.42%
ROIC/WACC0.42
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