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Upturn AI SWOT - About
COOP 
Mr. Cooper Group Inc (COOP)
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Upturn Advisory Summary
09/12/2025: COOP (4-star) is a STRONG-BUY. BUY since 114 days. Simulated Profits (76.17%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $172.5
1 Year Target Price $172.5
| 3 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 148.69% | Avg. Invested days 73 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.10B USD | Price to earnings Ratio 24.7 | 1Y Target Price 172.5 |
Price to earnings Ratio 24.7 | 1Y Target Price 172.5 | ||
Volume (30-day avg) 9 | Beta 0.98 | 52 Weeks Range 84.68 - 234.73 | Updated Date 09/12/2025 |
52 Weeks Range 84.68 - 234.73 | Updated Date 09/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 8.92 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.38% | Operating Margin (TTM) 48.19% |
Management Effectiveness
Return on Assets (TTM) 3.02% | Return on Equity (TTM) 11.76% |
Valuation
Trailing PE 24.7 | Forward PE 14.64 | Enterprise Value 24380916824 | Price to Sales(TTM) 6.28 |
Enterprise Value 24380916824 | Price to Sales(TTM) 6.28 | ||
Enterprise Value to Revenue 7.88 | Enterprise Value to EBITDA 28.99 | Shares Outstanding 63993300 | Shares Floating 63028251 |
Shares Outstanding 63993300 | Shares Floating 63028251 | ||
Percent Insiders 1.94 | Percent Institutions 96.23 |
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 significantly through acquisitions and organic growth, evolving into a leading non-bank mortgage servicer and originator.
Core Business Areas
- Servicing: Mr. Cooper Group is one of the largest mortgage servicers in the U.S., managing loan portfolios for investors and homeowners. This includes collecting payments, managing escrow accounts, and handling loss mitigation.
- Originations: The company originates mortgages through direct-to-consumer and correspondent lending channels, providing refinancing and purchase loans.
- Xome: Xome provides technology and data-enhanced solutions to the real estate market, including auction services.
Leadership and Structure
Jay Bray is the Chairman and CEO. The company has a typical corporate structure with various executive vice presidents overseeing different business segments and functions.
Top Products and Market Share
Key Offerings
- Mortgage Servicing: The core product is mortgage servicing, managing over $800 billion in unpaid principal balance. Market share is approximately 4% of the US market. Competitors include PennyMac Financial Services, Rocket Mortgage, and Wells Fargo.
- Mortgage Originations: Offers mortgage origination services including refinancing and home purchase loans. The market is highly competitive. Competitors include Rocket Mortgage, United Wholesale Mortgage, and various banks.
- Xome Auction: Online real estate auction and services platform. Market share is smaller in comparison to the core business. Competitors include Auction.com and other online real estate platforms.
Market Dynamics
Industry Overview
The mortgage servicing industry is characterized by regulatory oversight, technological advancements, and sensitivity to interest rate fluctuations. Originations are affected by macroeconomic conditions like interest rates and housing demand.
Positioning
Mr. Cooper is positioned as a leading non-bank mortgage servicer and originator, leveraging technology and scale to compete with larger players. It benefits from the shift away from bank servicing.
Total Addressable Market (TAM)
The mortgage servicing TAM is estimated to be in the trillions of dollars. Mr. Cooper is positioned to capture a share of this market through its servicing platform and origination channels.
Upturn SWOT Analysis
Strengths
- Large servicing portfolio
- Established brand recognition
- Technological platform for servicing
- Diversified origination channels
- Experienced management team
Weaknesses
- Sensitivity to interest rate fluctuations
- Regulatory compliance costs
- High leverage relative to book value
- Dependence on GSEs (Government Sponsored Enterprises)
Opportunities
- Growing servicing portfolio through acquisitions
- Expanding origination volume
- Technological innovation
- Partnerships with other financial institutions
- Favorable regulatory changes
Threats
- Increased competition
- Rising interest rates
- Economic downturn
- Regulatory changes
- Credit risk
Competitors and Market Share
Key Competitors
- PFSI
- UWMC
- LDI
Competitive Landscape
Mr. Cooper's advantages include its scale in servicing and technology platform. Disadvantages include its reliance on GSEs and sensitivity to interest rate changes.
Major Acquisitions
Homepoint Capital Inc.'s servicing portfolio
- Year: 2023
- Acquisition Price (USD millions): 324
- Strategic Rationale: This acquisition grew Mr. Cooper's servicing portfolio substantially and enhanced its scale.
Growth Trajectory and Initiatives
Historical Growth: Mr. Cooper has grown through acquisitions and organic growth in its servicing and origination businesses.
Future Projections: Analyst estimates suggest continued growth in servicing and origination volumes, driven by market conditions and strategic initiatives.
Recent Initiatives: Recent initiatives include strategic acquisitions, technology investments, and expansion of origination channels.
Summary
Mr. Cooper Group is a leading non-bank mortgage servicer and originator. They have shown growth through acquisitions and a strong servicing portfolio. They are exposed to interest rate risks and regulatory compliance. Further diversification would help long-term. They are executing on growing their market share.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Earnings Call Transcripts
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a financial professional. Market share data is approximate and subject to change. This analysis is based on publicly available information and current market conditions.
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 | CEO - | ||
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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