MR COOPER GROUP INC (COOP) Stock Fundamental Analysis
NASDAQ:COOP - US62482R1077 - Common Stock
193 USD
-5.98 (-3.01%)
193 USD
0 (0%)
Taking everything into account, COOP scores 4 out of 10 in our fundamental rating. COOP was compared to 100 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 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.
Of the past 5 years COOP 4 years had a positive operating cash flow.
1.2 Ratios
COOP has a better Return On Assets (3.08%) than 70.00% of its industry peers.
Looking at the Return On Equity, with a value of 11.18%, COOP is in line with its industry, outperforming 58.00% of the companies in the same industry.
COOP has a Return On Invested Capital (3.54%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for COOP is below the industry average of 7.81%.
| 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 Profit Margin of 25.38%. This is amongst the best in the industry. COOP outperforms 81.00% of its industry peers.
COOP's Profit Margin has improved in the last couple of years.
COOP has a better Operating Margin (36.91%) than 77.00% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), COOP 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 1.16, we must say that COOP is in the distress zone and has some risk of bankruptcy.
COOP has a better Altman-Z score (1.16) than 63.00% 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.
COOP's Debt to Equity ratio of 2.39 is on the low side compared to the rest of the industry. COOP is outperformed by 68.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.39 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.16 |
ROIC/WACC0.41
WACC8.64%
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.
Looking at the Current ratio, with a value of 0.40, COOP is doing worse than 68.00% of the companies in the same industry.
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's Quick ratio of 0.40 is on the low side compared to the rest of the industry. COOP is outperformed by 68.00% 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 25.48% 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.
COOP shows a small growth in Revenue. In the last year, the Revenue has grown by 5.69%.
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.
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
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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 16.54 indicates a correct valuation of COOP.
COOP's Price/Earnings ratio is in line with the industry average.
COOP's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.24.
COOP is valuated correctly with a Price/Forward Earnings ratio of 12.68.
The rest of the industry has a similar Price/Forward Earnings ratio as COOP.
COOP's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.54 | ||
| Fwd PE | 12.68 |
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 | 25.97 |
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)0.72
PEG (5Y)0.98
EPS Next 2Y21.16%
EPS Next 3Y17.9%
5. Dividend
5.1 Amount
No dividends for COOP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
193
-5.98 (-3.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.89%
Inst Owner Change-1.88%
Ins Owners1.89%
Ins Owner Change3.81%
Market Cap12.35B
Analysts75.71
Price Target175.95 (-8.83%)
Short Float %4.01%
Short Ratio2.01
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)16.44%
PT rev (3m)19.91%
EPS NQ rev (1m)-4.31%
EPS NQ rev (3m)-9.46%
EPS NY rev (1m)-3.02%
EPS NY rev (3m)-5.29%
Revenue NQ rev (1m)-5.82%
Revenue NQ rev (3m)-6.86%
Revenue NY rev (1m)-5.53%
Revenue NY rev (3m)-5.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.54 | ||
| Fwd PE | 12.68 | ||
| P/S | 5.5 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.42 | ||
| P/tB | 2.54 | ||
| EV/EBITDA | 25.97 |
EPS(TTM)11.67
EY6.05%
EPS(NY)15.22
Fwd EY7.89%
FCF(TTM)-22.22
FCFYN/A
OCF(TTM)-0.98
OCFYN/A
SpS35.1
BVpS79.68
TBVpS75.9
PEG (NY)0.72
PEG (5Y)0.98
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 | 1.16 |
F-Score3
WACC8.64%
ROIC/WACC0.41
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