Mr. Cooper Group Inc.

Finance
Finance: Consumer Services
www.mrcoopergroup.com

Earnings Score

Market Cap $6.18B
PE 12
Debt $NaN
Cash $733.00M
EV $NaN
FCF $174.00M

Earnings

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Sales & Net Margins

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Earnings	$511.00M
ROE	11%
FCF	$174.00M
Equity	$4.64B
Growth Stability	24%
PE	12.1
PEG	3.78
PB	1.33
P/FCF	35.53
P/S	3.13
Price/Cash	0.12
Net Margins	30%
Earnings CAGR	31%
Sales Growth YoY	-26%
Sales Growth QoQ	-27%
Sales CAGR	127%
FCF CAGR	-1%
Equity CAGR	70%
Earnings Stability	0.33
Earnings Growth YoY	-71%

Earnings Growth QoQ	-61%
Earnings CAGR 5Y	3%
Sales CAGR 5Y	-8%
FCF CAGR 5Y	-11%
Equity CAGR 5Y	19%
Earnings CAGR 3Y	-20%
Sales CAGR 3Y	-20%
FCF CAGR 3Y	-64%
Equity CAGR 3Y	9%
Market Cap	$6.18B
Revenue	$1.98B
Assets	$16.19B
Cash	$733.00M
Shares Outstanding	64.27M
Earnings Score	25%
Shares Growth 3y	-7%
Equity Growth QoQ	1%
Equity Growth YoY	8%

Assets & ROA

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Stockholders Equity & ROE

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Mr. Cooper Group Inc is a home loan servicer. The company focuses on delivering a variety of servicing and lending products. It has two operating segments namely Servicing, and Originations. The company derives the maximum revenue from the Originations segment. The Originations segment originates residential mortgage loans through a direct-to-consumer channel, which provides refinance options for existing customers, and through a correspondent channel, which purchases or originates loans from mortgage bankers and brokers. It also provides technology and data-enhanced solutions to home-buyers, home sellers, real estate agents and mortgage companies.

SEC Filings

Direct access to Mr. Cooper Group Inc. (COOP) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Mr. Cooper Group Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Mr. Cooper Group Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 31%

Stability 33%

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Mr. Cooper Group Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Mr. Cooper Group Inc..

Years

Calculation mode

= $1.6B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$174M	$172M	$170M	$168M	$166M	$164M	$162M	$160M	$158M	$156M	$154M	$1.5B
DCF		$156M	$140M	$126M	$113M	$102M	$91M	$82M	$74M	$66M	$59M	$594M
Value	$1.6B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-75%	-1K%	3K%	99%	13%	11%	43%	37%	28%	30%
ROA	-	-2%	0%	7%	-0%	2%	14%	10%	5%	-
ROE	-	-814%	11%	0%	12%	12%	42%	23%	12%	11%

Good Net Margins (29.6%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	24%	100%	100%	100%	100%	57%	24%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (24%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-30%	-10%	46%	25K%	36%	21%	-26%	-27%	-8%
Earnings YoY growth	-	1K%	-331%	-96%	3K%	12%	370%	-35%	-46%	3%
Equity YoY growth	-	-89%	17K%	2%	30%	12%	34%	20%	6%	19%
FCF YoY growth	-	-	-	-	-50%	-58%	846%	45%	-77%	-11%