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Upturn AI SWOT - About
COOP 
Mr. Cooper Group Inc (COOP)
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Upturn Advisory Summary
10/02/2025: COOP (4-star) is a STRONG-BUY. BUY since 128 days. Simulated Profits (70.13%). 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 $156.33
1 Year Target Price $156.33
| 3 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 140.19% | Avg. Invested days 75 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.49B USD | Price to earnings Ratio 23.63 | 1Y Target Price 156.33 |
Price to earnings Ratio 23.63 | 1Y Target Price 156.33 | ||
Volume (30-day avg) 9 | Beta 1.08 | 52 Weeks Range 83.88 - 232.52 | Updated Date 10/13/2025 |
52 Weeks Range 83.88 - 232.52 | Updated Date 10/13/2025 | ||
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 2025-10-22 | When - | Estimate 3.2 | 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 23.63 | Forward PE 14.01 | Enterprise Value 23769141172 | Price to Sales(TTM) 6.01 |
Enterprise Value 23769141172 | Price to Sales(TTM) 6.01 | ||
Enterprise Value to Revenue 7.68 | Enterprise Value to EBITDA 28.26 | Shares Outstanding 63993269 | Shares Floating 63028251 |
Shares Outstanding 63993269 | Shares Floating 63028251 | ||
Percent Insiders 1.94 | Percent Institutions 96.11 |
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. Initially focused on mortgage servicing, it has grown through acquisitions and organic growth, becoming a major non-bank servicer and originator. Significant milestones include rebranding as Mr. Cooper in 2017 and expanding its origination platform.
Core Business Areas
- Servicing: Mr. Cooper is one of the largest home loan servicers in the U.S., collecting and remitting payments, managing escrow accounts, and working with borrowers experiencing financial difficulties.
- Originations: The company originates mortgages through its direct-to-consumer channel and its partnerships with real estate agents and builders, offering a variety of mortgage products including purchase and refinance loans.
Leadership and Structure
Jay Bray serves as the Chairman and CEO. The company has a typical corporate structure with executive leadership overseeing various functional areas like servicing, originations, finance, and technology.
Top Products and Market Share
Key Offerings
- Mortgage Servicing: Mr. Cooper manages mortgage portfolios for investors and homeowners, collecting payments and handling related tasks. Market share is significant, placing them among the top non-bank servicers. Competitors include PennyMac Financial Services (PFSI), Rocket Companies (RKT), and Lakeview Loan Servicing.
- Mortgage Origination: Mr. Cooper originates mortgages directly to consumers and through partnerships. Market share is smaller compared to servicing, but growing. Competitors include Rocket Companies (RKT), United Wholesale Mortgage (UWMC), and other major lenders.
Market Dynamics
Industry Overview
The mortgage servicing and origination industry is highly competitive and sensitive to interest rate fluctuations, economic conditions, and regulatory changes. Technological innovation and customer service are increasingly important.
Positioning
Mr. Cooper Group Inc. is a leading non-bank mortgage servicer and originator. Its competitive advantages include its scale, technology platform, and brand recognition.
Total Addressable Market (TAM)
The mortgage servicing TAM is estimated to be trillions of dollars, representing the total value of outstanding mortgage balances. The origination TAM fluctuates significantly based on interest rates, purchase market value and refinance activities. Mr. Cooper is well positioned within its market.
Upturn SWOT Analysis
Strengths
- Large Servicing Portfolio
- Technological Innovation
- Strong Brand Recognition
- Direct to Consumer Origination Model
Weaknesses
- Sensitivity to Interest Rate Changes
- Regulatory Scrutiny
- High Operational Costs
- Dependence on Macroeconomic Factors
Opportunities
- Expansion of Origination Channels
- Increased Investment in Technology
- Strategic Acquisitions
- Growth in the Housing Market
Threats
- Rising Interest Rates
- Increased Competition
- Economic Downturn
- Regulatory Changes
Competitors and Market Share
Key Competitors
- PFSI
- RKT
- UWMC
- LPS
Competitive Landscape
Mr. Cooper Group Inc. competes with other large non-bank servicers and originators, as well as traditional banks and credit unions. The company's advantages include its scale and technology platform, while its disadvantages include its sensitivity to interest rate changes.
Major Acquisitions
Seterus, Inc.
- Year: 2019
- Acquisition Price (USD millions): 1250
- Strategic Rationale: Acquired Seterus to expand its servicing portfolio and increase its market share in the mortgage servicing industry.
Growth Trajectory and Initiatives
Historical Growth: Mr. Cooper has demonstrated significant growth over the past several years, driven by acquisitions and organic growth in servicing and originations.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by expansion in the mortgage market and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology, expansion of origination channels, and strategic acquisitions to enhance market position.
Summary
Mr. Cooper Group Inc. is a key player in the mortgage servicing and origination sector, showing consistent growth. Its strong servicing portfolio and technology investments are positives. However, the company needs to manage its sensitivity to interest rate changes and the impact of regulatory scrutiny carefully to ensure long-term financial health.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a financial professional. Market share data is based on estimates and may vary.
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. As of October 1, 2025, Mr. Cooper Group Inc. operates as subsidiary of Rocket Companies, Inc.
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