MR COOPER GROUP INC (COOP) Stock Fundamental Analysis
NASDAQ:COOP - Nasdaq - US62482R1077 - Common Stock - Currency: USD
Overall COOP gets a fundamental rating of 4 out of 10. We evaluated COOP against 99 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 has a correct valuation and a medium 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.
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
Looking at the Return On Assets, with a value of 3.12%, COOP is in the better half of the industry, outperforming 65.66% of the companies in the same industry.
The Return On Equity of COOP (11.78%) is comparable to the rest of the industry.
The Return On Invested Capital of COOP (3.53%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for COOP is significantly below the industry average of 11.83%.
| 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 Profit Margin of 25.93%. This is amongst the best in the industry. COOP outperforms 80.81% of its industry peers.
COOP's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 37.19%, COOP is doing good in the industry, outperforming 77.78% of the companies in the same industry.
In the last couple of years the Operating Margin of COOP has grown nicely.
| 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.
The debt/assets ratio for COOP is higher compared to a year ago.
2.2 Solvency
COOP has an Altman-Z score of 0.99. This is a bad value and indicates that COOP is not financially healthy and even has some risk of bankruptcy.
COOP has a Altman-Z score of 0.99. This is in the better half of the industry: COOP outperforms 61.62% 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.
COOP has a Debt to Equity ratio of 2.52. This is in the lower half of the industry: COOP underperforms 67.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.52 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.99 |
ROIC/WACC0.47
WACC7.45%
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 Current ratio of 0.40. This is in the lower half of the industry: COOP underperforms 66.67% 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.
With a Quick ratio value of 0.40, COOP is not doing good in the industry: 66.67% 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
The Earnings Per Share has grown by an impressive 31.04% 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.
Looking at the last year, COOP shows a quite strong growth in Revenue. The Revenue has grown by 9.52% in the last 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)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
Based on estimates for the next years, COOP will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.42% on average per year.
COOP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.76% yearly.
EPS Next Y29.95%
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.
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 13.05, the valuation of COOP can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as COOP.
The average S&P500 Price/Earnings ratio is at 26.57. COOP is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.19, which indicates a very decent valuation of COOP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of COOP is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of COOP to the average of the S&P500 Index (22.41), we can say COOP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | 9.19 |
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 | 22.34 |
4.3 Compensation for Growth
The 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)0.44
PEG (5Y)0.77
EPS Next 2Y23.11%
EPS Next 3Y18.42%
5. Dividend
5.1 Amount
No dividends for COOP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
144.36
+1.28 (+0.89%)
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 Cap9.24B
Analysts76
Price Target146.73 (1.64%)
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%
PT rev (3m)13.61%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)0.64%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.33%
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 | 13.05 | ||
| Fwd PE | 9.19 | ||
| P/S | 4.16 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.89 | ||
| P/tB | 1.99 | ||
| EV/EBITDA | 22.34 |
EPS(TTM)11.06
EY7.66%
EPS(NY)15.72
Fwd EY10.89%
FCF(TTM)-29.36
FCFYN/A
OCF(TTM)-8.2
OCFYN/A
SpS34.71
BVpS76.42
TBVpS72.53
PEG (NY)0.44
PEG (5Y)0.77
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 | 0.99 |
F-Score3
WACC7.45%
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)31.04%
EPS 3Y5.66%
EPS 5Y16.95%
EPS Q2Q%30.26%
EPS Next Y29.95%
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