-3.03%
8.83%
17.86%
21.63%
56.20%
171.12%
718.69%
AI Spotlight on COOP
Company Description
Mr. Cooper Group Inc.provides servicing, origination, and transaction-based services related to single-family residences in the United States.The company operates through two segments: Servicing and Originations.
The Servicing segment performs activities for underlying mortgages, including collecting and disbursing borrower payments, investor reporting, customer service, and modifying loans.The Originations segment originates residential mortgage loans through its direct-to-consumer channel, as well as originates and purchases loans from mortgage bankers and brokers.It operates primarily under the Mr. Cooper and Xome brands.
The company was formerly known as WMIH Corp.and changed its name to Mr. Cooper Group Inc.in October 2018.
Mr. Cooper Group Inc.was incorporated in 2015 and is based in Coppell, Texas.
Market Data
| Last Price | 103.81 |
| Change Percentage | -3.03% |
| Open | 106.84 |
| Previous Close | 107.05 |
| Market Cap ( Millions) | 6642 |
| Volume | 455501 |
| Year High | 107.85 |
| Year Low | 65.54 |
| M A 50 | 97.91 |
| M A 200 | 89.87 |
Financial Ratios
| FCF Yield | -35.68% |
| Dividend Yield | 0.00% |
| ROE | 11.41% |
| Debt / Equity | 199.74% |
| Net Debt / EBIDTA | 1138.99% |
| Price To Book | 1.44 |
| Price Earnings Ratio | 13.06 |
| Price To FCF | -2.8 |
| Price To sales | 3.13 |
| EV / EBITDA | 20.26 |
News
- Jan -24 - Mr. Cooper Group Inc. to Discuss Fourth Quarter 2024 Financial Results on February 12, 2025
- Jan -09 - Mr. Cooper Group Announces Leadership Transition at Xome
- Jan -09 - XSMO: Outperforming For A Few Years, Unconvincing In The Long Run
- Dec -18 - 3 Consumer Loan Stocks to Buy as Fed Plans to Lower Rates in 2025
- Dec -16 - Mr. Cooper Group Adds Former Fannie Mae Executive and Industry Veteran Andrew Bon Salle to Board of Directors
- Dec -11 - S&P 600 rally to cool but these six small-cap stocks could continue to grow
- Nov -29 - 5 Must-Have High Earnings Yield Stocks for Value Investors
- Nov -25 - Thankful Investors - Last 5 Years
- Nov -14 - Buy These 5 Value Stocks Boasting High Earnings Yield Right Away
- Nov -05 - Buy These 2 Consumer Loan Stocks Despite Industry Challenges
- Nov -01 - Mr. Cooper Completes Acquisition of Flagstar's Mortgage Operations
- Oct -29 - 4 High Earnings Yield Picks to Supercharge Your Portfolio Value
- Oct -24 - Mr. Cooper Q3 Earnings Surpass Estimates, Revenues Decline Y/Y
- Oct -23 - Mr. Cooper Group Inc. (COOP) Q3 2024 Earnings Call Transcript
- Oct -23 - Mr Cooper (COOP) Surpasses Q3 Earnings Estimates
- Oct -23 - Mr. Cooper Group Reports Third Quarter 2024 Results
- Oct -19 - Billionaire Leon Cooperman Built a World-Class Portfolio Using These 3 Stocks As His Bedrock
- Oct -15 - 10 small-cap stocks selected by digging deep for quality
- Oct -09 - Best Momentum Stock to Buy for October 9th
- Oct -09 - Mr. Cooper Group Announces Senior Leadership Updates to Drive Digital-First Strategy and AI-Powered Home Loan Experience
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Servicing
Expected Growth : 10 %
What the company do ?
Mr. Cooper Group Inc.'s Servicing segment provides loan servicing and subservicing for mortgage loans, offering customers a range of services including payment processing and default management.
Why we expect these perspectives ?
Mr. Cooper Group Inc.'s servicing segment growth is driven by increasing mortgage originations, strategic acquisitions, and expansion into adjacent markets. Additionally, the company's focus on customer retention, digital transformation, and operational efficiency have contributed to its 10% growth. Furthermore, the rising demand for mortgage servicing rights and the company's strong brand reputation have also fueled its growth.
Segment n°2 -> Originations
Expected Growth : 11 %
What the company do ?
Originations from Mr. Cooper Group Inc. refer to the process of creating new mortgage loans, where the company originates and funds mortgages for borrowers, generating revenue through loan sales and servicing fees.
Why we expect these perspectives ?
Mr. Cooper Group Inc.'s 11% originations growth is driven by increasing demand for mortgage refinancing, low interest rates, and expansion into new markets. Additionally, the company's investments in digital platforms and strategic partnerships have improved operational efficiency, enabling it to capitalize on market opportunities and drive growth.
Segment n°3 -> Corporate/Other
Expected Growth : 13 %
What the company do ?
Corporate/Other from Mr. Cooper Group Inc. refers to the company's non-core business operations, including investments, eliminations, and other miscellaneous items.
Why we expect these perspectives ?
The 13% growth in Corporate/Other segment of Mr. Cooper Group Inc. is driven by increased investment income, reduced corporate expenses, and a surge in mortgage servicing rights. Additionally, the company's diversification into adjacent businesses, such as title insurance and real estate services, has contributed to the segment's growth.
Mr. Cooper Group Inc. Products
| Product Range | What is it ? |
|---|---|
| Mortgage Servicing | Mr. Cooper Group Inc. provides mortgage servicing solutions to homeowners, offering loan management, payment processing, and customer support. |
| Originations | Mr. Cooper Group Inc. offers mortgage originations services, providing borrowers with a range of loan options, including conventional, FHA, VA, and USDA loans. |
| Xome | Xome is a digital real estate platform that provides title, appraisal, and valuation services to real estate professionals, lenders, and consumers. |
| Settlement Services | Mr. Cooper Group Inc. offers settlement services, including title insurance, escrow, and closing services, to facilitate smooth real estate transactions. |
| Capital Markets | Mr. Cooper Group Inc. provides capital markets services, including loan securitization, whole loan trading, and mortgage-backed securities. |
Mr. Cooper Group Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Mr. Cooper Group Inc. is medium due to the presence of alternative mortgage financing options, but the company's strong brand and customer loyalty mitigate this threat.
Bargaining Power Of Customers
The bargaining power of customers is low for Mr. Cooper Group Inc. due to the company's diversified customer base and lack of concentration of customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium for Mr. Cooper Group Inc. due to the presence of multiple suppliers, but the company's large scale of operations gives it some negotiating power.
Threat Of New Entrants
The threat of new entrants is low for Mr. Cooper Group Inc. due to the high barriers to entry in the mortgage financing industry, including regulatory hurdles and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high for Mr. Cooper Group Inc. due to the competitive nature of the mortgage financing industry, with many established players competing for market share.
Strength
Weaknesses
Opportunities
Threats
Capital Structure
| Value | |
|---|---|
| Debt Weight | 74.05% |
| Debt Cost | 8.87% |
| Equity Weight | 25.95% |
| Equity Cost | 11.00% |
| WACC | 9.42% |
| Leverage | 285.40% |
Mr. Cooper Group Inc. : Quality Control
Mr. Cooper Group Inc. passed 1 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| OZK | Bank OZK provides various retail and commercial banking services. It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, … |
| WD | Walker & Dunlop, Inc., through its subsidiaries, originates, sells, and services a range of multifamily and other commercial real estate financing products and services for owners and developers of real … |
| MTG | MGIC Investment Corporation, through its subsidiaries, provides private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government sponsored entities in the United States, Puerto … |
| PFSI | PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. It operates through three segments: Production, Servicing, and Investment Management. … |
| FULT | Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services. It accepts various checking accounts and savings deposit products, certificates of deposit, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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MGIC
A-Score
1-Year Total Return ->
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Bank OZK
A-Score
1-Year Total Return ->
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Fulton Financial
A-Score
1-Year Total Return ->
4
Mr. Cooper Group
A-Score
1-Year Total Return ->
5
Walker Dunlop
A-Score
1-Year Total Return ->
6
