MR COOPER GROUP INC (COOP) Stock Fundamental Analysis
NASDAQ:COOP - Nasdaq - US62482R1077 - Common Stock - Currency: USD
Taking everything into account, COOP scores 4 out of 10 in our fundamental rating. COOP was compared to 101 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 is not valued too expensively and it also shows a decent growth rate.
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.
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 65.35% of the companies in the same industry.
COOP's Return On Equity of 11.18% is in line compared to the rest of the industry. COOP outperforms 54.46% of its industry peers.
COOP has a Return On Invested Capital (3.54%) which is comparable to the rest of the industry.
COOP had an Average Return On Invested Capital over the past 3 years of 5.13%. This is below the industry average of 7.77%.
| 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 better Profit Margin (25.38%) than 81.19% of its industry peers.
COOP's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 36.91%, COOP is in the better half of the industry, outperforming 78.22% of the companies in the same industry.
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
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
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
Based on the Altman-Z score of 1.09, we must say that COOP is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 1.09, COOP is doing good in the industry, outperforming 63.37% 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.
With a Debt to Equity ratio value of 2.39, COOP is not doing good in the industry: 67.33% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.39 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.09 |
ROIC/WACC0.43
WACC8.2%
2.3 Liquidity
A Current Ratio of 0.40 indicates that COOP may have some problems paying its short term obligations.
The Current ratio of COOP (0.40) is worse than 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.
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
The Earnings Per Share has grown by an impressive 25.48% over the past year.
The Earnings Per Share has been growing by 16.95% on average over the past years. This is quite good.
Looking at the last year, COOP shows a small growth in Revenue. The Revenue has grown by 5.69% 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)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 17.61% on average per year.
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 Y26.92%
EPS Next 2Y22.51%
EPS Next 3Y17.61%
EPS Next 5YN/A
Revenue Next Year17.42%
Revenue Next 2Y15.39%
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
A Price/Earnings ratio of 15.35 indicates a correct valuation of COOP.
Compared to the rest of the industry, the Price/Earnings ratio of COOP is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.24, COOP is valued a bit cheaper.
With a Price/Forward Earnings ratio of 11.51, the valuation of COOP can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as COOP.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.42, COOP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.35 | ||
| Fwd PE | 11.51 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as COOP.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 24.19 |
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 17.61% in the coming years.
PEG (NY)0.57
PEG (5Y)0.91
EPS Next 2Y22.51%
EPS Next 3Y17.61%
5. Dividend
5.1 Amount
No dividends for COOP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
179.14
+4.88 (+2.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.13%
Inst Owner Change-1.23%
Ins Owners2.08%
Ins Owner Change3.81%
Market Cap11.46B
Analysts76
Price Target151.11 (-15.65%)
Short Float %3.54%
Short Ratio1.79
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)3.49%
PT rev (3m)2.98%
EPS NQ rev (1m)-9.62%
EPS NQ rev (3m)-10.08%
EPS NY rev (1m)-2.03%
EPS NY rev (3m)-2.4%
Revenue NQ rev (1m)-6.33%
Revenue NQ rev (3m)-6.86%
Revenue NY rev (1m)-2.85%
Revenue NY rev (3m)-3.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.35 | ||
| Fwd PE | 11.51 | ||
| P/S | 5.1 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.25 | ||
| P/tB | 2.36 | ||
| EV/EBITDA | 24.19 |
EPS(TTM)11.67
EY6.51%
EPS(NY)15.56
Fwd EY8.69%
FCF(TTM)-22.22
FCFYN/A
OCF(TTM)-0.98
OCFYN/A
SpS35.1
BVpS79.68
TBVpS75.9
PEG (NY)0.57
PEG (5Y)0.91
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 | 1.09 |
F-Score3
WACC8.2%
ROIC/WACC0.43
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 Y26.92%
EPS Next 2Y22.51%
EPS Next 3Y17.61%
EPS Next 5YN/A
Revenue 1Y (TTM)5.69%
Revenue growth 3Y-12.47%
Revenue growth 5Y2.92%
Sales Q2Q%4.29%
Revenue Next Year17.42%
Revenue Next 2Y15.39%
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