(COOP) Mr. Cooper - Ratings and Ratios
Mortgage Loans, Residential Mortgages, Loan Servicing
COOP EPS (Earnings per Share)
COOP Revenue
Description: COOP Mr. Cooper
Mr. Cooper Group Inc. is a non-bank servicer of residential mortgage loans in the United States, operating through two segments: Servicing and Originations. The Servicing segment manages activities such as collecting borrower payments, investor reporting, and loan modifications, while the Originations segment originates residential mortgage loans through direct-to-consumer and correspondent channels.
The companys business model is centered around providing mortgage servicing and origination services, leveraging brands such as Mr. Cooper, Xome, and Rushmore Servicing. With a history dating back to 1994, the company has established itself as a significant player in the mortgage finance industry. Key performance indicators (KPIs) to watch include the companys servicing portfolio size, origination volume, and revenue growth. A growing servicing portfolio and increasing origination volume can indicate a strong market position and potential for future revenue growth.
From a financial perspective, Mr. Cooper Group Inc.s market capitalization stands at approximately $9.6 billion, with a price-to-earnings ratio of 16.75 and a forward price-to-earnings ratio of 11.29. The companys return on equity (RoE) is 12.17%, indicating a relatively healthy profitability profile. Additional KPIs to monitor include the companys debt-to-equity ratio, interest coverage ratio, and operating margin, which can provide insights into its financial health and operational efficiency.
In terms of growth prospects, the companys ability to expand its servicing portfolio and increase origination volume will be crucial. The mortgage finance industry is subject to various macroeconomic factors, including interest rates, housing market trends, and regulatory changes. As such, Mr. Cooper Group Inc.s ability to adapt to these changes and maintain a competitive edge will be essential to its long-term success.
COOP Stock Overview
| Market Cap in USD | 11,739m |
| Sub-Industry | Commercial & Residential Mortgage Finance |
| IPO / Inception | 2012-03-28 |
COOP Stock Ratings
| Growth Rating | 98.0% |
| Fundamental | 44.8% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 73.6% |
| Analyst Rating | 3.78 of 5 |
COOP Dividends
Currently no dividends paidCOOP Growth Ratios
| Growth Correlation 3m | 91.5% |
| Growth Correlation 12m | 95.9% |
| Growth Correlation 5y | 96.2% |
| CAGR 5y | 59.68% |
| CAGR/Max DD 5y | 2.01 |
| Sharpe Ratio 12m | 1.78 |
| Alpha | 106.31 |
| Beta | -0.434 |
| Volatility | 50.95% |
| Current Volume | 792.3k |
| Average Volume 20d | 792.3k |
| Stop Loss | 179.1 (-5%) |
| Signal | 0.10 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (570.0m TTM) > 0 and > 6% of Revenue (6% = 137.3m TTM) |
| FCFTA -0.04 (>2.0%) and ΔFCFTA 2.04pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -155.9% (prev 91.93%; Δ -247.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.00 (>3.0%) and CFO -63.0m <= Net Income 570.0m (YES >=105%, WARN >=100%) |
| Net Debt (10.28b) to EBITDA (865.0m) ratio: 11.88 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.56 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (65.1m) change vs 12m ago -1.02% (target <= -2.0% for YES) |
| Gross Margin 73.43% (prev 50.04%; Δ 23.39pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.35% (prev 16.73%; Δ -3.38pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.28 (EBITDA TTM 865.0m / Interest Expense TTM 629.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.39
| (A) -0.19 = (Total Current Assets 4.55b - Total Current Liabilities 8.12b) / Total Assets 18.50b |
| (B) 0.28 = Retained Earnings (Balance) 5.26b / Total Assets 18.50b |
| (C) 0.05 = EBIT TTM 808.0m / Avg Total Assets 17.14b |
| (D) 0.39 = Book Value of Equity 5.26b / Total Liabilities 13.40b |
| Total Rating: 0.39 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 44.76
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield -3.46% = -1.73 |
| 3. FCF Margin -33.30% = -7.50 |
| 4. Debt/Equity 2.17 = 0.52 |
| 5. Debt/Ebitda 12.79 = -2.50 |
| 6. ROIC - WACC 0.87% = 1.08 |
| 7. RoE 11.73% = 0.98 |
| 8. Rev. Trend 31.84% = 1.59 |
| 9. Rev. CAGR 0.91% = 0.11 |
| 10. EPS Trend 48.30% = 1.21 |
| 11. EPS CAGR 27.77% = 2.50 |
What is the price of COOP shares?
Over the past week, the price has changed by -5.25%, over one month by +18.05%, over three months by +42.04% and over the past year by +103.03%.
Is Mr. Cooper a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of COOP is around 276.40 USD . This means that COOP is currently undervalued and has a potential upside of +46.61% (Margin of Safety).
Is COOP a buy, sell or hold?
- Strong Buy: 3
- Buy: 1
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the COOP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 172.5 | -8.5% |
| Analysts Target Price | 143.1 | -24.1% |
| ValueRay Target Price | 292.9 | 55.4% |
Last update: 2025-08-23 05:01
COOP Fundamental Data Overview
CCE Cash And Equivalents = 783.0m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 20.5414
P/E Forward = 13.8889
P/S = 5.2265
P/B = 2.3021
Beta = 0.978
Revenue TTM = 2.29b USD
EBIT TTM = 808.0m USD
EBITDA TTM = 865.0m USD
Long Term Debt = 4.90b USD (from longTermDebt, last quarter)
Short Term Debt = 6.16b USD (from shortTermDebt, last quarter)
Debt = 11.06b USD (Calculated: Short Term 6.16b + Long Term 4.90b)
Net Debt = 10.28b USD (from netDebt column, last quarter)
Enterprise Value = 22.02b USD (11.74b + Debt 11.06b - CCE 783.0m)
Interest Coverage Ratio = 1.28 (Ebit TTM 808.0m / Interest Expense TTM 629.0m)
FCF Yield = -3.46% (FCF TTM -762.0m / Enterprise Value 22.02b)
FCF Margin = -33.30% (FCF TTM -762.0m / Revenue TTM 2.29b)
Net Margin = 24.91% (Net Income TTM 570.0m / Revenue TTM 2.29b)
Gross Margin = 73.43% ((Revenue TTM 2.29b - Cost of Revenue TTM 608.0m) / Revenue TTM)
Tobins Q-Ratio = 4.19 (Enterprise Value 22.02b / Book Value Of Equity 5.26b)
Interest Expense / Debt = 1.96% (Interest Expense 217.0m / Debt 11.06b)
Taxrate = 25.75% (from yearly Income Tax Expense: 232.0m / 901.0m)
NOPAT = 599.9m (EBIT 808.0m * (1 - 25.75%))
Current Ratio = 0.56 (Total Current Assets 4.55b / Total Current Liabilities 8.12b)
Debt / Equity = 2.17 (Debt 11.06b / last Quarter total Stockholder Equity 5.10b)
Debt / EBITDA = 12.79 (Net Debt 10.28b / EBITDA 865.0m)
Debt / FCF = -14.52 (Debt 11.06b / FCF TTM -762.0m)
Total Stockholder Equity = 4.86b (last 4 quarters mean)
RoA = 3.08% (Net Income 570.0m, Total Assets 18.50b )
RoE = 11.73% (Net Income TTM 570.0m / Total Stockholder Equity 4.86b)
RoCE = 8.28% (Ebit 808.0m / (Equity 4.86b + L.T.Debt 4.90b))
RoIC = 3.85% (NOPAT 599.9m / Invested Capital 15.59b)
WACC = 2.98% (E(11.74b)/V(22.80b) * Re(4.42%)) + (D(11.06b)/V(22.80b) * Rd(1.96%) * (1-Tc(0.26)))
Shares Correlation 5-Years: -100.0 | Cagr: -4.24%
Discount Rate = 4.42% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -762.0m)
Revenue Correlation: 31.84 | Revenue CAGR: 0.91%
Rev Growth-of-Growth: -26.57
EPS Correlation: 48.30 | EPS CAGR: 27.77%
EPS Growth-of-Growth: -100.5
Additional Sources for COOP Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle