MR COOPER GROUP INC (COOP) Stock Fundamental Analysis
NASDAQ:COOP - Nasdaq - US62482R1077 - Common Stock - Currency: USD
COOP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. COOP has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
In the past 5 years COOP has always been profitable.
COOP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
COOP has a Return On Assets of 3.12%. This is in the better half of the industry: COOP outperforms 66.00% of its industry peers.
COOP has a Return On Equity of 11.78%. This is comparable to the rest of the industry: COOP outperforms 60.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.53%, COOP is in line with its industry, outperforming 53.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for COOP is significantly below the industry average of 11.84%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.12% | ||
| ROE | 11.78% | ||
| ROIC | 3.53% |
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 better Profit Margin (25.93%) than 81.00% of its industry peers.
COOP's Profit Margin has improved in the last couple of years.
The Operating Margin of COOP (37.19%) is better than 78.00% of its industry peers.
COOP's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 37.19% | ||
| PM (TTM) | 25.93% | ||
| 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.
COOP has less shares outstanding than it did 1 year ago.
The number of shares outstanding for COOP has been reduced compared to 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 1.00, we must say that COOP is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of COOP (1.00) is better than 61.00% of its industry peers.
COOP has a Debt/Equity ratio of 2.52. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.52, COOP is not doing good in the industry: 68.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.52 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1 |
ROIC/WACC0.48
WACC7.41%
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 67.00% 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.
COOP has a worse Quick ratio (0.40) than 67.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.4 | ||
| Quick Ratio | 0.4 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 31.04% over the past year.
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 quite strong growth in Revenue. The Revenue has grown by 9.52% in the last 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)31.04%
EPS 3Y5.66%
EPS 5Y16.95%
EPS Q2Q%30.26%
Revenue 1Y (TTM)9.52%
Revenue growth 3Y-12.47%
Revenue growth 5Y2.92%
Sales Q2Q%-0.71%
3.2 Future
The Earnings Per Share is expected to grow by 18.42% 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 11.76% on average per year.
EPS Next Y29.54%
EPS Next 2Y23.11%
EPS Next 3Y18.42%
EPS Next 5YN/A
Revenue Next Year20.86%
Revenue Next 2Y16.19%
Revenue Next 3Y11.76%
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
With a Price/Earnings ratio of 13.49, COOP is valued correctly.
COOP's Price/Earnings is on the same level as the industry average.
COOP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.15.
Based on the Price/Forward Earnings ratio of 9.49, the valuation of COOP can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as COOP.
COOP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.60.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.49 | ||
| Fwd PE | 9.49 |
4.2 Price Multiples
COOP's Enterprise Value to EBITDA is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 22.7 |
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.
A more expensive valuation may be justified as COOP's earnings are expected to grow with 18.42% in the coming years.
PEG (NY)0.46
PEG (5Y)0.8
EPS Next 2Y23.11%
EPS Next 3Y18.42%
5. Dividend
5.1 Amount
COOP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
149.21
-0.01 (-0.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.13%
Inst Owner Change4.74%
Ins Owners2.08%
Ins Owner Change3.81%
Market Cap9.55B
Analysts76
Price Target146.01 (-2.14%)
Short Float %4.88%
Short Ratio3.1
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)1
Avg EPS beat(2)0.14%
Min EPS beat(2)-0.18%
Max EPS beat(2)0.47%
EPS beat(4)3
Avg EPS beat(4)3.1%
Min EPS beat(4)-0.18%
Max EPS beat(4)7.72%
EPS beat(8)7
Avg EPS beat(8)17.94%
EPS beat(12)11
Avg EPS beat(12)60.91%
EPS beat(16)15
Avg EPS beat(16)50.94%
Revenue beat(2)1
Avg Revenue beat(2)-0.68%
Min Revenue beat(2)-10.58%
Max Revenue beat(2)9.23%
Revenue beat(4)2
Avg Revenue beat(4)-5.21%
Min Revenue beat(4)-23.26%
Max Revenue beat(4)9.23%
Revenue beat(8)5
Avg Revenue beat(8)2.64%
Revenue beat(12)7
Avg Revenue beat(12)4.06%
Revenue beat(16)10
Avg Revenue beat(16)7.97%
PT rev (1m)-0.5%
PT rev (3m)13.04%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)0.64%
EPS NY rev (1m)-0.32%
EPS NY rev (3m)-0.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.49 | ||
| Fwd PE | 9.49 | ||
| P/S | 4.3 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.95 | ||
| P/tB | 2.06 | ||
| EV/EBITDA | 22.7 |
EPS(TTM)11.06
EY7.41%
EPS(NY)15.72
Fwd EY10.53%
FCF(TTM)-29.36
FCFYN/A
OCF(TTM)-8.2
OCFYN/A
SpS34.71
BVpS76.42
TBVpS72.53
PEG (NY)0.46
PEG (5Y)0.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.12% | ||
| ROE | 11.78% | ||
| ROCE | 5.01% | ||
| ROIC | 3.53% | ||
| ROICexc | 3.7% | ||
| ROICexgc | 3.96% | ||
| OM | 37.19% | ||
| PM (TTM) | 25.93% | ||
| 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 | 2.52 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 14 | ||
| Cap/Depr | 2507.41% | ||
| Cap/Sales | 60.96% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.4 | ||
| Quick Ratio | 0.4 | ||
| Altman-Z | 1 |
F-Score3
WACC7.41%
ROIC/WACC0.48
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)31.04%
EPS 3Y5.66%
EPS 5Y16.95%
EPS Q2Q%30.26%
EPS Next Y29.54%
EPS Next 2Y23.11%
EPS Next 3Y18.42%
EPS Next 5YN/A
Revenue 1Y (TTM)9.52%
Revenue growth 3Y-12.47%
Revenue growth 5Y2.92%
Sales Q2Q%-0.71%
Revenue Next Year20.86%
Revenue Next 2Y16.19%
Revenue Next 3Y11.76%
Revenue Next 5YN/A
EBIT growth 1Y-1.9%
EBIT growth 3Y-17.7%
EBIT growth 5Y34.71%
EBIT Next Year178.43%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-163.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-117.49%
OCF growth 3YN/A
OCF growth 5YN/A