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Upturn AI SWOT - About
COOP 
Mr. Cooper Group Inc (COOP)
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Upturn Advisory Summary
04/01/2025: COOP (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -2.1% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.95B USD | Price to earnings Ratio 12.02 | 1Y Target Price 128.29 |
Price to earnings Ratio 12.02 | 1Y Target Price 128.29 | ||
Volume (30-day avg) 998027 | Beta 1.5 | 52 Weeks Range 74.49 - 137.59 | Updated Date 04/2/2025 |
52 Weeks Range 74.49 - 137.59 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 10.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.07% | Operating Margin (TTM) 44.65% |
Management Effectiveness
Return on Assets (TTM) 3.57% | Return on Equity (TTM) 14.71% |
Valuation
Trailing PE 12.02 | Forward PE 7.54 | Enterprise Value 19820414976 | Price to Sales(TTM) 3.42 |
Enterprise Value 19820414976 | Price to Sales(TTM) 3.42 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA 17.92 | Shares Outstanding 63594600 | Shares Floating 61942432 |
Shares Outstanding 63594600 | Shares Floating 61942432 | ||
Percent Insiders 3.62 | Percent Institutions 94.74 |
Analyst Ratings
Rating 4.11 | Target Price 113 | Buy 2 | Strong Buy 4 |
Buy 2 | Strong Buy 4 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Mr. Cooper Group Inc
Company Overview
History and Background
Mr. Cooper Group Inc. (formerly Nationstar Mortgage Holdings Inc.) was founded in 1994. It has grown through acquisitions and organic growth to become a major player in mortgage servicing and origination.
Core Business Areas
- Servicing: The largest segment, responsible for managing mortgage loan portfolios on behalf of investors. This includes collecting payments, managing escrow accounts, and handling foreclosures.
- Originations: This segment focuses on originating mortgage loans, primarily through the direct-to-consumer channel.
Leadership and Structure
Jay Bray serves as the Chairman and CEO. The company has a typical corporate structure with various departments overseeing finance, operations, technology, and legal matters.
Top Products and Market Share
Key Offerings
- Mortgage Servicing: Managing mortgage loans for investors, including payment processing, escrow management, and loss mitigation. The market is competitive with large banks and other independent servicers. Mr. Cooper is one of the largest mortgage servicers in the US. Competitors include PennyMac Financial Services, Rocket Mortgage, and large banks like JP Morgan Chase and Wells Fargo.
- Mortgage Origination: Offering mortgage loans directly to consumers, focusing on refinancing and purchase mortgages. The origination market is highly competitive with many lenders. Competitors include Rocket Mortgage, United Wholesale Mortgage, and other large mortgage lenders.
Market Dynamics
Industry Overview
The mortgage servicing and origination industries are heavily influenced by interest rates, housing market conditions, and government regulations. The industry is currently experiencing volatility due to rising interest rates and economic uncertainty.
Positioning
Mr. Cooper Group Inc. is a significant player in the mortgage servicing industry, with a growing presence in mortgage origination. Its competitive advantages include its scale, technology platform, and customer service capabilities.
Total Addressable Market (TAM)
The TAM for mortgage servicing and origination is estimated to be in the trillions of dollars. Mr. Cooper is positioned to capture a share of this market through its servicing portfolio and origination channels.
Upturn SWOT Analysis
Strengths
- Large servicing portfolio
- Strong technology platform
- Experienced management team
- Direct-to-consumer origination channel
Weaknesses
- Sensitivity to interest rate changes
- Dependence on housing market conditions
- Regulatory scrutiny
- Reputational risks associated with servicing
Opportunities
- Growth in the servicing market due to increased regulation
- Expansion of origination channels
- Acquisitions of smaller servicers
- Technological innovation to improve efficiency
Threats
- Rising interest rates
- Economic recession
- Increased competition
- Regulatory changes
Competitors and Market Share
Key Competitors
- Rocket Companies (RKT)
- PennyMac Financial Services (PFSI)
- United Wholesale Mortgage (UWMC)
Competitive Landscape
Mr. Cooper Group Inc. competes with large banks and independent mortgage companies. It differentiates itself through its technology platform, customer service, and direct-to-consumer origination channel.
Major Acquisitions
Homepoint
- Year: 2023
- Acquisition Price (USD millions): 324
- Strategic Rationale: Acquisition of Homepoint increased its servicing portfolio.
Growth Trajectory and Initiatives
Historical Growth: Mr. Cooper Group Inc.'s growth has been driven by acquisitions and organic growth in both servicing and origination.
Future Projections: Analyst projections vary, but generally expect continued growth in servicing revenue and potential fluctuations in origination volume based on market conditions.
Recent Initiatives: Recent initiatives include investments in technology, expansion of servicing capabilities, and strategic acquisitions.
Summary
Mr. Cooper Group Inc. is a major player in the mortgage servicing market, showing consistent growth. Its direct-to-consumer model and significant servicing portfolio are advantageous. The company must carefully manage interest rate sensitivity and regulatory risks to maintain its position. Continued investment in technology and customer service remains vital.
Similar Companies
PFSI
PennyMac Finl Svcs Inc
PFSI
PennyMac Finl Svcs Inc
RKT
Rocket Companies Inc
RKT
Rocket Companies Inc
UWMC
UWM Holdings Corp
UWMC
UWM Holdings Corp
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Financial News Sources
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is dynamic and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Mr. Cooper Group Inc
Exchange NASDAQ | Headquaters Coppell, TX, United States | ||
IPO Launch date 2012-03-28 | Executive VP & CEO of Xome Mr. Michael R. Rawls | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 7900 | Website https://www.mrcoopergroup.com |
Full time employees 7900 | Website https://www.mrcoopergroup.com | ||
Mr. Cooper Group Inc., together with its subsidiaries, operates as a non-bank servicer of residential mortgage loans in the United States. It operates through two segments, Servicing and Originations. The Servicing segment performs activities on behalf of investors or owners of the underlying mortgages and mortgage servicing rights, including collecting and disbursing borrower payments, investor reporting, customer service, modifying loans, performing collections, foreclosures, and the sale of real estate owned. The Originations segment originates residential mortgage loans through its direct-to-consumer and correspondent channels. The company provides its services under the Mr. Cooper, Xome, and Rushmore Servicing 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 founded in 1994 and is based in Coppell, Texas.
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