MR COOPER GROUP INC (COOP)
US62482R1077 - Common Stock
Taking everything into account, COOP scores 5 out of 10 in our fundamental rating. COOP was compared to 102 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 may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
COOP had positive earnings in the past year.
COOP had a positive operating cash flow in the past year.
Each year in the past 5 years COOP has been profitable.
COOP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
COOP's Return On Assets of 3.52% is fine compared to the rest of the industry. COOP outperforms 72.55% of its industry peers.
Looking at the Return On Equity, with a value of 11.68%, COOP is in line with its industry, outperforming 56.86% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.83%, COOP is in the better half of the industry, outperforming 63.73% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for COOP is in line with the industry average of 7.93%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.52% | ||
| ROE | 11.68% | ||
| ROIC | 3.83% |
ROA(3y)6.91%
ROA(5y)4.69%
ROE(3y)25.52%
ROE(5y)20.16%
ROIC(3y)7.08%
ROIC(5y)5.13%
1.3 Margins
Looking at the Profit Margin, with a value of 27.87%, COOP belongs to the top of the industry, outperforming 81.37% of the companies in the same industry.
In the last couple of years the Profit Margin of COOP has declined.
Looking at the Operating Margin, with a value of 36.85%, COOP belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
COOP's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36.85% | ||
| PM (TTM) | 27.87% | ||
| GM | N/A |
OM growth 3Y1.13%
OM growth 5Y36.73%
PM growth 3Y35.39%
PM growth 5Y-13.5%
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.
Compared to 5 years ago, COOP has less shares outstanding
Compared to 1 year ago, COOP has a worse debt to assets ratio.
2.2 Solvency
COOP has an Altman-Z score of 0.91. This is a bad value and indicates that COOP is not financially healthy and even has some risk of bankruptcy.
COOP's Altman-Z score of 0.91 is in line compared to the rest of the industry. COOP outperforms 59.80% of its industry peers.
The Debt to FCF ratio of COOP is 9.98, which is on the high side as it means it would take COOP, 9.98 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 9.98, COOP is in line with its industry, outperforming 56.86% of the companies in the same industry.
COOP has a Debt/Equity ratio of 1.97. This is a high value indicating a heavy dependency on external financing.
COOP has a Debt to Equity ratio of 1.97. This is in the lower half of the industry: COOP underperforms 71.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.97 | ||
| Debt/FCF | 9.98 | ||
| Altman-Z | 0.91 |
ROIC/WACC0.49
WACC7.79%
2.3 Liquidity
A Current Ratio of 0.29 indicates that COOP may have some problems paying its short term obligations.
COOP's Current ratio of 0.29 is on the low side compared to the rest of the industry. COOP is outperformed by 75.49% of its industry peers.
A Quick Ratio of 0.29 indicates that COOP may have some problems paying its short term obligations.
With a Quick ratio value of 0.29, COOP is not doing good in the industry: 75.49% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.29 | ||
| Quick Ratio | 0.29 |
3. Growth
3.1 Past
COOP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 185.60%, which is quite impressive.
The Earnings Per Share has been decreasing by -8.20% on average over the past years.
The Revenue for COOP has decreased by -27.19% in the past year. This is quite bad
Measured over the past years, COOP shows a small growth in Revenue. The Revenue has been growing by 0.04% on average per year.
EPS 1Y (TTM)185.6%
EPS 3Y-7.59%
EPS 5Y-8.2%
EPS growth Q2Q96.55%
Revenue 1Y (TTM)-27.19%
Revenue growth 3Y-12.62%
Revenue growth 5Y0.04%
Revenue growth Q2Q33.33%
3.2 Future
COOP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.34% yearly.
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 Y24.01%
EPS Next 2Y22.06%
EPS Next 3Y26.34%
EPS Next 5YN/A
Revenue Next Year17.4%
Revenue Next 2Y13.65%
Revenue Next 3Y11.76%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
The Price/Earnings ratio is 11.13, which indicates a very decent valuation of COOP.
Based on the Price/Earnings ratio, COOP is valued a bit cheaper than 73.53% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.25, COOP is valued rather cheaply.
The Price/Forward Earnings ratio is 8.98, which indicates a very decent valuation of COOP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of COOP indicates a somewhat cheap valuation: COOP is cheaper than 78.43% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.67. COOP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 8.98 |
4.2 Price Multiples
COOP's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of COOP indicates a rather cheap valuation: COOP is cheaper than 89.22% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.32 | ||
| EV/EBITDA | 17.48 |
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.
The decent profitability rating of COOP may justify a higher PE ratio.
COOP's earnings are expected to grow with 26.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)N/A
EPS Next 2Y22.06%
EPS Next 3Y26.34%
5. Dividend
5.1 Amount
No dividends for COOP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
MR COOPER GROUP INC
NASDAQ:COOP (4/24/2024, 7:00:00 PM)
After market: 82.2 +0.48 (+0.59%)81.72
+2.24 (+2.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap5.33B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
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Revenue beat(2)
Avg Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 8.98 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.46
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.52% | ||
| ROE | 11.68% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 36.85% | ||
| PM (TTM) | 27.87% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.97 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.29 | ||
| Quick Ratio | 0.29 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)185.6%
EPS 3Y-7.59%
EPS 5Y
EPS growth Q2Q
EPS Next Y24.01%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-27.19%
Revenue growth 3Y-12.62%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y