MR COOPER GROUP INC (COOP) Stock Fundamental Analysis
USA - NASDAQ:COOP - US62482R1077 - Common Stock
220.35 USD
+0.65 (+0.3%)
220.35 USD
0 (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. COOP is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year COOP was profitable.
COOP had a negative operating cash flow in the past year.
COOP had positive earnings in each of the past 5 years.
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 3.08%, COOP is in the better half of the industry, outperforming 69.31% of the companies in the same industry.
COOP has a better Return On Equity (11.18%) than 61.39% of its industry peers.
The Return On Invested Capital of COOP (3.54%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for COOP is below the industry average of 7.64%.
| 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
Looking at the Profit Margin, with a value of 25.38%, COOP belongs to the top of the industry, outperforming 80.20% of the companies in the same industry.
COOP's Profit Margin has improved in the last couple of years.
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.
COOP's Operating Margin has improved in the last couple of years.
| 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.
The number of shares outstanding for COOP has been reduced compared to 1 year ago.
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
WACC8.46%
2.3 Liquidity
A Current Ratio of 0.40 indicates that COOP may have some problems paying its short term obligations.
COOP has a Current ratio of 0.40. This is in the lower half of the industry: COOP underperforms 67.33% 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 Quick ratio of 0.40. This is in the lower half of the industry: COOP underperforms 67.33% 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 25.48% over the past year.
COOP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.95% yearly.
The Revenue has been growing slightly by 5.69% in the past year.
Measured over the past years, COOP shows a small growth in Revenue. The Revenue has been growing by 2.92% on average per year.
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
Based on estimates for the next years, COOP will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.90% on average per year.
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 18.88, the valuation of COOP can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of COOP is on the same level as its industry peers.
COOP is valuated rather cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
COOP is valuated correctly with a Price/Forward Earnings ratio of 14.47.
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 22.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.88 | ||
| Fwd PE | 14.47 |
4.2 Price Multiples
COOP's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 27.52 |
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 |
220.35
+0.65 (+0.3%)
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 Cap14.10B
Analysts75.71
Price Target175.95 (-20.15%)
Short Float %5%
Short Ratio2.57
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 | 18.88 | ||
| Fwd PE | 14.47 | ||
| P/S | 6.28 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.77 | ||
| P/tB | 2.9 | ||
| EV/EBITDA | 27.52 |
EPS(TTM)11.67
EY5.3%
EPS(NY)15.22
Fwd EY6.91%
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
WACC8.46%
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