| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 1/6 |
| Dividends | 0/6 |
COOP Stock Overview
Mr. Cooper Group Inc. provides servicing, origination, and transaction-based services related to single-family residences in the United States.
Mr. Cooper Group Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$41.17 |
| 52 Week High | US$45.27 |
| 52 Week Low | US$25.81 |
| Beta | 1.59 |
| 1 Month Change | -6.26% |
| 3 Month Change | 2.13% |
| 1 Year Change | 52.03% |
| 3 Year Change | 197.26% |
| 5 Year Change | 121.34% |
| Change since IPO | 243.08% |
Recent News & Updates
Mr. Cooper Group: Revenues To Naturally Decline After This Year
The refinancing market has so far proved to be more resilient than previously anticipated. The management sees further refinancing opportunities. The eventual normalization of the refinancing market will drag earnings next year. The current market price is above next year’s target price.
Shareholder Returns
| COOP | US Mortgage | US Market | |
|---|---|---|---|
| 7D | 1.6% | 1.3% | -2.6% |
| 1Y | 52.0% | 0.09% | 17.8% |
Return vs Industry: COOP exceeded the US Mortgage industry which returned -0.9% over the past year.
Return vs Market: COOP exceeded the US Market which returned 16.5% over the past year.
Price Volatility
| COOP volatility | |
|---|---|
| COOP Average Weekly Movement | 2.8% |
| Mortgage Industry Average Movement | 3.7% |
| Market Average Movement | 6.2% |
| 10% most volatile stocks in US Market | 14.8% |
| 10% least volatile stocks in US Market | 2.4% |
Stable Share Price: COOP is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: COOP's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| n/a | 9,800 | Jay Bray | https://www.mrcoopergroup.com |
Mr. Cooper Group Inc. provides servicing, origination, and transaction-based services related to single-family residences in the United States. The company operates through three segments: Servicing, Originations, and Xome. The Servicing segment performs activities for underlying mortgages, including collecting and disbursing borrower payments, investor reporting, customer service, and modifying loans.
Mr. Cooper Group Fundamentals Summary
| COOP fundamental statistics | |
|---|---|
| Market Cap | US$3.09b |
| Earnings (TTM) | US$1.46b |
| Revenue (TTM) | US$3.68b |
2.1x
P/E Ratio0.9x
P/B RatioIs COOP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| COOP income statement (TTM) | |
|---|---|
| Revenue | US$3.68b |
| Cost of Revenue | US$0 |
| Gross Profit | US$3.68b |
| Expenses | US$2.22b |
| Earnings | US$1.46b |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 19.42 |
| Gross Margin | 100.00% |
| Net Profit Margin | 39.64% |
| Debt/Equity Ratio | 398.3% |
How did COOP perform over the long term?
See historical performance and comparisonValuation
Is Mr. Cooper Group undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: COOP ($41.17) is trading below our estimate of fair value ($266.26)
Significantly Below Fair Value: COOP is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: COOP is good value based on its PE Ratio (2.1x) compared to the US Mortgage industry average (12.3x).
PE vs Market: COOP is good value based on its PE Ratio (2.1x) compared to the US market (16.8x).
Price to Earnings Growth Ratio
PEG Ratio: COOP's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: COOP's PB Ratio (0.9x) is in line with the US Mortgage industry average.
Future Growth
How is Mr. Cooper Group forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
-50.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: COOP's earnings are forecast to decline over the next 3 years (-50.9% per year).
Earnings vs Market: COOP's earnings are forecast to decline over the next 3 years (-50.9% per year).
High Growth Earnings: COOP's earnings are forecast to decline over the next 3 years.
Revenue vs Market: COOP's revenue is expected to decline over the next 3 years (-16.9% per year).
High Growth Revenue: COOP's revenue is forecast to decline over the next 3 years (-16.9% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: COOP's Return on Equity is forecast to be low in 3 years time (13.9%).
Past Performance
How has Mr. Cooper Group performed over the past 5 years?
33.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: COOP has a high level of non-cash earnings.
Growing Profit Margin: COOP's current net profit margins (39.6%) are higher than last year (22.7%).
Past Earnings Growth Analysis
Earnings Trend: COOP's earnings have grown significantly by 33.8% per year over the past 5 years.
Accelerating Growth: COOP's earnings growth over the past year (159.1%) exceeds its 5-year average (33.8% per year).
Earnings vs Industry: COOP earnings growth over the past year (159.1%) exceeded the Mortgage industry 32.1%.
Return on Equity
High ROE: Whilst COOP's Return on Equity (45.95%) is outstanding, this metric is skewed due to their high level of debt.
Financial Health
How is Mr. Cooper Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: COOP's Assets to Equity ratio (6.6x) is low.
Allowance for Bad Loans: Insufficient data to determine if COOP has a sufficient allowance for bad loans.
Low Risk Liabilities: COOP reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if COOP has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: COOP reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if COOP has an appropriate level of bad loans.
Dividend
What is Mr. Cooper Group current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate COOP's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate COOP's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if COOP's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if COOP's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of COOP's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
1.6yrs
Average management tenure
CEO
Jay Bray (54 yo)
3.42yrs
Tenure
US$9,261,290
Compensation
Mr. Jay Bray has been Chairman and Chief Executive Officer at Mr. Cooper Group Inc. since July 2018 and served as President since July 2018 until June 23, 2021. Mr. Bray has been Chief Executive Officer of...
CEO Compensation Analysis
Compensation vs Market: Jay's total compensation ($USD9.26M) is above average for companies of similar size in the US market ($USD5.29M).
Compensation vs Earnings: Jay's compensation has increased by more than 20% in the past year.
Leadership Team
Experienced Management: COOP's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
Board Members
Experienced Board: COOP's board of directors are considered experienced (3.4 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Mr. Cooper Group Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: Mr. Cooper Group Inc.
- Ticker: COOP
- Exchange: NasdaqCM
- Founded: NaN
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$3.093b
- Shares outstanding: 75.12m
- Website: https://www.mrcoopergroup.com
Number of Employees
Location
- Mr. Cooper Group Inc.
- 8950 Cypress Waters Boulevard
- Coppell
- Texas
- 75019
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/12/07 00:15 |
| End of Day Share Price | 2021/12/06 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.