Tearsheet

Mr. Cooper (COOP)


Market Price (10/31/2025): $213.0 | Market Cap: $13.6 Bil
Sector: Financials | Industry: Commercial & Residential Mortgage Finance

Mr. Cooper (COOP)


Market Price (10/31/2025): $213.0
Market Cap: $13.6 Bil
Sector: Financials
Industry: Commercial & Residential Mortgage Finance

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow


0   Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 76%
1   Not cash flow generative
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -2.0%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -28%
2   Valuation getting more expensive
P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 52%
0 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 76%
1 Not cash flow generative
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -2.0%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -28%
2 Valuation getting more expensive
P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 52%

Market Valuation & Key Metrics

COOP Stock


Return vs. Risk


Price Returns Compared

 202020212022202320242025Total [1]
Returns
COOP Return148%34%-4%62%47%122%-100%
Peers Return65%26%-19%47%20%23%265%
S&P 500 Return16%27%-19%24%23%16%110%

Monthly Win Rates [3]
COOP Win Rate75%67%25%67%58%- 
Peers Win Rate68%68%35%58%57%36% 
S&P 500 Win Rate58%75%42%67%75%67% 

Max Drawdowns [4]
COOP Max Drawdown-57%-12%-12%-4%-5%- 
Peers Max Drawdown-53%-10%-31%-9%-12%-15% 
S&P 500 Max Drawdown-31%-1%-25%-1%-2%-15% 


[1] Cumulative total returns since the beginning of 2020
[2] Peers: ESNT, WD, SNFCA, COOP, PFSI.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 10/30/2025 (YTD)

How Low Can It Go

Unique KeyEventCOOPS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-29.7%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven42.2%34.1%
2022 Inflation ShockTime to BreakevenTime to Breakeven372 days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-62.8%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven168.8%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven118 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-65.6%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven190.7%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven459 days120 days

Compare to ESNT, WD, SNFCA, COOP, PFSI


In The Past

Mr. Cooper's stock fell -29.7% during the 2022 Inflation Shock from a high on 2/16/2022. A -29.7% loss requires a 42.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Mr. Cooper (COOP)

Better Bets than Mr. Cooper (COOP)

Latest Trefis Analyses

Trade Ideas

Select past ideas related to COOP. For more, see Trefis Trade Ideas.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
-14.4%-14.4%-14.4%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin
5.9%5.9%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
0.3%0.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
-7.7%-7.7%-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run
15.0%15.0%0.0%
Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
-14.4%-14.4%-14.4%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin
5.9%5.9%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
0.3%0.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
-7.7%-7.7%-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run
15.0%15.0%0.0%

Recent Active Movers

Recent Active Movers

More From Trefis

Peer Comparisons for Mr. Cooper

Financials

COOPESNTWDSNFCAPFSIMedian
NameMr. Coop.Essent Walker &.Security.PennyMac. 
Mkt Price-60.6880.048.02125.3070.36
Mkt Cap13.56.12.70.26.56.1
Rev LTM3,0951,3061,1903413,5821,306
Op Inc LTM784-124-549549
FCF LTM-870855-20348-1,947-203
FCF 3Y Avg-9207859847-1,83047
CFO LTM-63867-19151-1,911-63
CFO 3Y Avg62779411349-1,796113

Growth & Margins

COOPESNTWDSNFCAPFSIMedian
NameMr. Coop.Essent Walker &.Security.PennyMac. 
Rev Chg LTM10.6%5.6%14.3%5.6%50.7%10.6%
Rev Chg 3Y Avg3.3%8.0%-4.5%-7.0%17.6%3.3%
Rev Chg Q6.9%2.3%17.9%4.2%40.3%6.9%
QoQ Delta Rev Chg LTM1.7%0.6%4.3%1.1%7.6%1.7%
Op Mgn LTM25.3%-10.4%-15.3%15.3%
Op Mgn 3Y Avg26.0%-11.7%-15.2%15.2%
QoQ Delta Op Mgn LTM-0.7%-1.1%-3.1%1.1%
CFO/Rev LTM-2.0%66.4%-16.0%15.0%-53.4%-2.0%
CFO/Rev 3Y Avg28.8%66.8%11.9%14.5%-67.8%14.5%
FCF/Rev LTM-28.1%65.5%-17.0%14.1%-54.4%-17.0%
FCF/Rev 3Y Avg-31.7%66.1%10.5%13.9%-69.1%10.5%

Valuation

COOPESNTWDSNFCAPFSIMedian
NameMr. Coop.Essent Walker &.Security.PennyMac. 
Mkt Cap13.56.12.70.26.56.1
P/S4.44.62.20.61.82.2
P/EBIT17.26.921.55.911.811.8
P/E23.78.524.28.813.013.0
P/CFO-214.17.0-14.03.9-3.4-3.4
Total Yield4.2%13.8%4.1%11.4%8.7%8.7%
Dividend Yield0.0%2.0%0.0%0.0%1.0%0.0%
FCF Yield 3Y Avg-14.9%13.9%1.7%21.6%-37.1%1.7%
D/E0.80.10.70.63.00.7
Net D/E0.8-0.90.70.02.90.7

Returns

COOPESNTWDSNFCAPFSIMedian
NameMr. Coop.Essent Walker &.Security.PennyMac. 
1M Rtn--4.5%-4.3%-7.5%1.1%-4.4%
3M Rtn-8.9%7.6%-5.4%34.9%8.2%
6M Rtn-7.5%10.0%-17.3%29.9%8.7%
12M Rtn-1.6%-26.2%-16.0%25.9%-7.2%
3Y Rtn-63.2%-1.3%48.5%144.3%55.9%
1M Excs Rtn--4.1%-7.0%-7.7%-2.1%-5.5%
3M Excs Rtn--1.5%-1.0%-14.0%21.7%-1.2%
6M Excs Rtn--14.3%-11.8%-39.0%8.2%-13.0%
12M Excs Rtn--15.7%-43.4%-31.4%6.8%-23.6%
3Y Excs Rtn--6.4%-75.1%-28.5%90.8%-17.4%

Financials

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Servicing1,3791,6581,27363532
Originations3327301,8592,1931,043
Corporate/Other837618643310
Xome    422
Total1,7942,4643,3182,6892,007


Assets by Segment
$ Mil20242023202220212020
Servicing11,74010,1528,73316,17311,743
Corporate/Other1,6741,8752,3282,5452,110
Originations7827493,1435,4474,313
Xome    139
Total14,19612,77614,20424,16518,305


Price Behavior

Earnings Returns History

Expand for More

 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/23/20250.1%-5.6%9.7%
4/23/2025-1.1%6.7%12.0%
2/12/2025-0.6%1.3%-7.9%
10/23/2024-4.1%0.1%6.6%
7/25/20246.8%3.7%4.6%
4/24/20242.8%-2.9%5.0%
2/9/20245.4%9.7%6.4%
10/25/20233.6%5.2%11.1%
...
SUMMARY STATS   
# Positive151616
# Negative766
Median Positive4.4%5.3%9.0%
Median Negative-1.8%-2.6%-6.3%
Max Positive19.2%28.7%23.9%
Max Negative-11.4%-11.9%-55.3%

SEC Filings

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Report DateFiling DateFiling
6302025723202510-Q 6/30/2025
3312025423202510-Q 3/31/2025
12312024220202510-K 12/31/2024
93020241023202410-Q 9/30/2024
6302024726202410-Q 6/30/2024
3312024424202410-Q 3/31/2024
12312023228202410-K 12/31/2023
93020231025202310-Q 9/30/2023
6302023726202310-Q 6/30/2023
3312023426202310-Q 3/31/2023
12312022216202310-K 12/31/2022
93020221026202210-Q 9/30/2022
6302022727202210-Q 6/30/2022
3312022428202210-Q 3/31/2022
12312021217202210-K 12/31/2021
93020211028202110-Q 9/30/2021

Insider Activity

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 OwnerTitleFiling DateActionPriceSharesTransacted
Value
Value of
Held Shares
Form
0Bray Jesse KChief Executive Officer9042025Sell182.4330,0005,472,900115,512,304Form
1Bray Jesse KChief Executive Officer8042025Sell174.7230,0005,241,600115,872,033Form
2Bray Jesse KChief Executive Officer7022025Sell152.1430,0004,564,200105,461,470Form
3Bray Jesse KChief Executive Officer6032025Sell126.8130,0003,804,30092,239,945Form
4Bray Jesse KChief Executive Officer5052025Sell120.1430,0003,604,20090,992,474Form