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 100 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
COOP had positive earnings in the past year.
In the past year COOP has reported a negative cash flow from operations.
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
With a decent Return On Assets value of 3.12%, COOP is doing good in the industry, outperforming 66.00% of the companies in the same industry.
COOP has a Return On Equity (11.78%) which is in line with its industry peers.
COOP has a Return On Invested Capital (3.53%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for COOP is significantly below the industry average of 11.84%.
| 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's Profit Margin of 25.93% is amongst the best of the industry. COOP outperforms 81.00% of its industry peers.
COOP's Profit Margin has improved in the last couple of years.
The Operating Margin of COOP (37.19%) is better than 78.00% of its industry peers.
COOP's Operating Margin has improved in the last couple of years.
| 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.
Compared to 1 year ago, COOP has less shares outstanding
Compared to 5 years ago, COOP has less shares outstanding
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 better Altman-Z score (0.99) than 61.00% 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.
The Debt to Equity ratio of COOP (2.52) is worse than 68.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.52 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.99 |
ROIC/WACC0.4
WACC8.73%
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 67.00% 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: 67.00% 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.
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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.52%.
COOP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.92% yearly.
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 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 11.40% on average per year.
EPS Next Y26.92%
EPS Next 2Y22.51%
EPS Next 3Y17.61%
EPS Next 5YN/A
Revenue Next Year20.45%
Revenue Next 2Y15.92%
Revenue Next 3Y11.4%
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.
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 13.29, the valuation of COOP can be described as correct.
COOP's Price/Earnings ratio is in line with the industry average.
COOP is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.44, the valuation of COOP can be described as reasonable.
COOP's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of COOP to the average of the S&P500 Index (35.19), we can say COOP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.29 | ||
| Fwd PE | 9.44 |
4.2 Price Multiples
COOP's Enterprise Value to EBITDA is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 22.54 |
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 17.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)0.78
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 |
147
-1.36 (-0.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.13%
Inst Owner Change0%
Ins Owners2.08%
Ins Owner Change3.81%
Market Cap9.41B
Analysts76
Price Target146.01 (-0.67%)
Short Float %5.29%
Short Ratio3.05
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)-0.5%
PT rev (3m)13.04%
EPS NQ rev (1m)-2.37%
EPS NQ rev (3m)-2.23%
EPS NY rev (1m)-2.34%
EPS NY rev (3m)-2.61%
Revenue NQ rev (1m)0.65%
Revenue NQ rev (3m)1.6%
Revenue NY rev (1m)-0.34%
Revenue NY rev (3m)-1.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.29 | ||
| Fwd PE | 9.44 | ||
| P/S | 4.24 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.92 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | 22.54 |
EPS(TTM)11.06
EY7.52%
EPS(NY)15.56
Fwd EY10.59%
FCF(TTM)-29.36
FCFYN/A
OCF(TTM)-8.2
OCFYN/A
SpS34.71
BVpS76.42
TBVpS72.53
PEG (NY)0.49
PEG (5Y)0.78
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
WACC8.73%
ROIC/WACC0.4
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 Y26.92%
EPS Next 2Y22.51%
EPS Next 3Y17.61%
EPS Next 5YN/A
Revenue 1Y (TTM)9.52%
Revenue growth 3Y-12.47%
Revenue growth 5Y2.92%
Sales Q2Q%-0.71%
Revenue Next Year20.45%
Revenue Next 2Y15.92%
Revenue Next 3Y11.4%
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