0001157523-23-001535.txt : 20231025 0001157523-23-001535.hdr.sgml : 20231025 20231025070032 ACCESSION NUMBER: 0001157523-23-001535 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20231025 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231025 DATE AS OF CHANGE: 20231025 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Mr. Cooper Group Inc. CENTRAL INDEX KEY: 0000933136 STANDARD INDUSTRIAL CLASSIFICATION: FINANCE SERVICES [6199] IRS NUMBER: 911653725 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-14667 FILM NUMBER: 231343895 BUSINESS ADDRESS: STREET 1: 8950 CYPRESS WATERS BLVD. CITY: COPPELL STATE: TX ZIP: 75019 BUSINESS PHONE: 2146874958 MAIL ADDRESS: STREET 1: 8950 CYPRESS WATERS BLVD. CITY: COPPELL STATE: TX ZIP: 75019 FORMER COMPANY: FORMER CONFORMED NAME: WMIH CORP. DATE OF NAME CHANGE: 20150512 FORMER COMPANY: FORMER CONFORMED NAME: WMI HOLDINGS CORP. DATE OF NAME CHANGE: 20120320 FORMER COMPANY: FORMER CONFORMED NAME: WASHINGTON MUTUAL, INC DATE OF NAME CHANGE: 20061017 8-K 1 a53680289.htm MR. COOPER GROUP INC. 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549 
 
 

FORM 8-K
 
 
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
 
Date of report (Date of earliest event reported):  October 25, 2023
 
 
Mr. Cooper Group Inc.
(Exact Name of Registrant as Specified in Charter) 
 
 

Delaware
 
001-14667
 
91-1653725
(State or Other Jurisdiction
of Incorporation)
 
(Commission
File Number)
 
(I.R.S. Employer
Identification No.)

8950 Cypress Waters Blvd.
Coppell, Texas 75019
(Address of Principal Executive Offices, and Zip Code)

469-549-2000
Registrant’s Telephone Number, Including Area Code
 
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
 
 
☐
Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐
Pre-commencement communication pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐
Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, $0.01 par value per share
COOP
The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).
Emerging growth company ☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐


Item 2.02
Results of Operations and Financial Condition.
 
On October 25, 2023, Mr. Cooper Group Inc. (the “Company”) issued a press release announcing its financial results for the third quarter ended September 30, 2023. A copy of the press release is attached as Exhibit 99.1 and will be published in the Investors section on the Company’s website at www.mrcoopergroup.com. In connection with the release and the related conference call, the Company posted a presentation relating to its third quarter ended September 30, 2023 financial results in the Investors section on the Company’s website.
 
The press release and presentation include certain non-generally accepted accounting principles financial measures. Reconciliations to the most directly comparable generally accepted accounting principles financial measures are included in the press release and the presentation.
 
The information furnished pursuant to this Item 2.02 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01
Financial Statements and Exhibits.

 (d) Exhibits

 
Exhibit
Number
 
Exhibit
 
 
 
 
 
 99.1
 
 Press release of Mr. Cooper Group Inc., dated October 25, 2023


 
SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


 
 Mr. Cooper Group Inc.
 
 
 
Date:  October 25, 2023
 
 
 
 By:
 /s/ Kurt Johnson
 
 
 Kurt Johnson
 
 
 Executive Vice President & Chief Financial Officer
 
 EX-99.1 2 a53680289_ex991.htm EXHIBIT 99.1
Exhibit 99.1

Mr. Cooper Group Reports Third Quarter 2023 Results

  • Reported total net income of $275 million, equivalent to ROCE of 26.2%
  • Book value per share and tangible book value per share increased to $65.38 and $62.78
  • Servicing UPB grew 10% y/y to $937 billion, establishing Mr. Cooper as the nation’s largest servicer
  • Repurchased 1.0 million shares of common stock for $58 million
  • Closed acquisitions of Home Point Capital and Roosevelt Management Company

DALLAS--(BUSINESS WIRE)--October 25, 2023--Mr. Cooper Group Inc. (NASDAQ: COOP) (the “Company”) reported third quarter net income of $275 million. Excluding other mark-to-market and certain other items, pretax operating income was $249 million, which benefitted from a $67 million gain from the collapse of a securitization trust. Excluding that gain, operating return on equity was 13.8% in the quarter. Other mark to market adjustment was $61 million, and other items included a $96 million preliminary bargain purchase gain related to the Home Point Capital Acquisition, a $39 million loss associated with equity investments primarily related to the sale of our Title business in 2021, and other items as is reconciled below.

Chairman and CEO Jay Bray commented, “Our impressive performance, highlighted by rising return on equity, strong book value per share growth, robust capital, and record liquidity, reflects the strength of our balanced business model. With our servicing portfolio now at $937 billion, Mr. Cooper’s consistent track record of growth has propelled us to the nation’s leading servicer, one step closer to achieving our $1 trillion target.”

Chris Marshall, Vice Chairman and President added, “I am very pleased with the outstanding performance of our operations, led by record servicing results and solid earnings in originations despite headwinds from rising rates. This drove our operating returns back into our 12-20% target range, distinguishing us from our competitors. Our focus on operational excellence and strategic initiatives positions us to continue to drive higher returns and sustained growth into the future.”

Additionally, the Company disclosed that Mr. Marshall has informed it of his plans to retire by the end of 2024. The Company has initiated a search process to identify his successor.

Servicing

The Servicing segment is focused on providing a best-in-class home loan experience for our 4.3 million customers while simultaneously strengthening asset performance for investors. In the third quarter, Servicing recorded pretax income of $361 million, including other mark-to-market of $61 million. The servicing portfolio ended the quarter at $937 billion in UPB. Servicing generated pretax operating income, excluding other mark-to-market, of $301 million. At quarter end, the carrying value of the MSR was $8,504 million equivalent to 161 bps of MSR UPB.

 

Quarter Ended

($ in millions)

Q3'23

 

Q2'23

 

$

 

BPS

 

$

 

BPS

Operational revenue

$

561

 

 

 

25.0

 

 

$

442

 

 

 

20.9

 

Amortization, net of accretion

 

(160

)

 

 

(7.1

)

 

 

(137

)

 

 

(6.5

)

Mark-to-market

 

63

 

 

 

2.8

 

 

 

63

 

 

 

3.0

 

Total revenues

 

464

 

 

 

20.7

 

 

 

368

 

 

 

17.4

 

Total expenses

 

(172

)

 

 

(7.6

)

 

 

(159

)

 

 

(7.5

)

Total other expenses, net

 

69

 

 

 

3.0

 

 

 

34

 

 

 

1.6

 

Income before taxes

 

361

 

 

 

16.1

 

 

 

243

 

 

 

11.5

 

Other mark-to-market

 

(61

)

 

 

(2.7

)

 

 

(61

)

 

 

(2.9

)

Accounting items

 

1

 

 

 

—

 

 

 

—

 

 

 

—

 

Pretax operating income excluding other mark-to-market and accounting items

$

301

 

 

 

13.4

 

 

$

182

 

 

 

8.6

 

 

 

 

 

 

 

 

 

 

Quarter Ended

 

Q3'23

 

Q2'23

MSRs UPB ($B)

$

 

 

 

 

528

 

 

$

 

 

 

 

459

 

Subservicing and Other UPB ($B)

 

 

 

 

 

409

 

 

 

 

 

 

 

423

 

Ending UPB ($B)

$

 

 

 

 

937

 

 

$

 

 

 

 

882

 

Average UPB ($B)

$

 

 

 

 

897

 

 

$

 

 

 

 

848

 

60+ day delinquency rate at period end

 

 

 

 

 

1.9

%

 

 

 

 

 

 

2.0

%

Annualized CPR

 

 

 

 

 

5.3

%

 

 

 

 

 

 

5.5

%

Modifications and workouts

 

 

 

 

 

21,459

 

 

 

 

 

 

 

16,851

 

Originations

The Originations segment focuses on creating servicing assets at attractive margins by acquiring loans through the correspondent channel and refinancing existing loans through the direct-to-consumer channel. Originations earned pretax income and pretax operating income of $29 million.

The Company funded 12,468 loans in the third quarter, totaling approximately $3.4 billion UPB, which was comprised of $1.7 billion in direct-to-consumer and $1.7 billion in correspondent. Funded volume decreased 11% quarter-over-quarter, while pull through adjusted volume decreased 13% quarter-over-quarter to $3.3 billion.

 

Quarter Ended

($ in millions)

Q3'23

 

Q2'23

Income before taxes

$





29

 

$





38

Accounting items

 





—

 

 





—

Pretax operating income excluding accounting items and other

$





29

 

$





38

 

Quarter Ended

($ in millions)

Q3'23

 

Q2'23

Total pull through adjusted volume

$





3,308

 

 

$





3,819

 

Funded volume

$





3,412

 

 

$





3,822

 

Refinance recapture percentage

 





83

%

 

 





80

%

Recapture percentage

 





24

%

 

 





24

%

Purchase volume as a percentage of funded volume

 





54

%

 

 





63

%

Conference Call Webcast and Investor Presentation

The Company will host a conference call on October 25, 2023 at 10:00 A.M. Eastern Time. Preregistration for the call is now available in the Investor section of www.mrcoopergroup.com. Participants will receive a toll-free dial-in number and a unique registrant ID to be used for immediate call access. A simultaneous audio webcast of the conference call will be available under the investors section on www.mrcoopergroup.com.

Non-GAAP Financial Measures

The Company utilizes non-GAAP financial measures as the measures provide additional information to assist investors in understanding and assessing the Company’s and our business segments’ ongoing performance and financial results, as well as assessing our prospects for future performance. The adjusted operating financial measures facilitate a meaningful analysis and allow more accurate comparisons of our ongoing business operations because they exclude items that may not be indicative of or are unrelated to the Company’s and our business segments’ core operating performance, and are better measures for assessing trends in our underlying businesses. These notable items are consistent with how management views our businesses. Management uses these non-GAAP financial measures in making financial, operational and planning decisions and evaluating the Company’s and our business segment’s ongoing performance. Pretax operating income (loss) in the servicing segment eliminates the effects of mark-to-market adjustments which primarily reflects unrealized gains or losses based on the changes in fair value measurements of MSRs and their related financing liabilities for which a fair value accounting election was made. These adjustments, which can be highly volatile and material due to changes in credit markets, are not necessarily reflective of the gains and losses that will ultimately be realized by the Company. Pretax operating income (loss) in each segment also eliminates, as applicable, transition and integration costs, gains (losses) on sales of fixed assets, certain settlement costs that are not considered normal operational matters, intangible amortization, change in equity method investments, fair value change in equity investments and other adjustments based on the facts and circumstances that would provide investors a supplemental means for evaluating the Company’s core operating performance. Return on tangible common equity (ROTCE) is computed by dividing net income by average tangible common equity (also known as tangible book value). Tangible common equity equals total stockholders’ equity less goodwill and intangible assets. Management believes that ROTCE is a useful financial measure because it measures the performance of a business consistently and enables investors and others to assess the Company’s use of equity. Tangible book value is defined as stockholders’ equity less goodwill and intangible assets. Our management believes tangible book value is useful to investors because it provides a more accurate measure of the realizable value of shareholder returns, excluding the impact of goodwill and intangible assets.

Forward Looking Statements

Any statements in this release that are not historical or current facts are forward looking statements. Forward looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance, or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements. Results for any specified quarter are not necessarily indicative of the results that may be expected for the full year or any future period. Certain of these risks and uncertainties are described in the “Risk Factors” section of Mr. Cooper Group’s most recent annual reports and other required documents as filed with the SEC which are available at the SEC’s website at http://www.sec.gov. Mr. Cooper undertakes no obligation to publicly update or revise any forward-looking statement or any other financial information contained herein, and the statements made in this press release are current as of the date of this release only.

Financial Tables

MR. COOPER GROUP INC. AND SUBSIDIARIES

UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

(millions of dollars, except for earnings per share data)




 

 

Three Months Ended
September 30, 2023

 

Three Months Ended
June 30, 2023

Revenues:

 

 

 

Service related, net

$

432

 

 

$

402

 

Net gain on mortgage loans held for sale

 

142

 

 

 

84

 

Total revenues

 

574

 

 

 

486

 

Total expenses:

 

301

 

 

 

278

 

Other income (expense), net:

 

 

 

Interest income

 

167

 

 

 

117

 

Interest expense

 

(146

)

 

 

(122

)

Other income (expense), net

 

58

 

 

 

(5

)

Total other income (expense), net

 

79

 

 

 

(10

)

Income before income tax expense

 

352

 

 

 

198

 

Income tax expense

 

77

 

 

 

56

 

Net income

$

275

 

 

$

142

 

 

 

 

 

Earnings per share:

 

 

 

Basic

$

4.14

 

 

$

2.10

 

Diluted

$

4.06

 

 

$

2.07

 

Weighted average shares of common stock outstanding (in millions):

 

 

 

Basic

 

66.4

 

 

 

67.6

 

Diluted

 

67.7

 

 

 

68.6

 

MR. COOPER GROUP INC. AND SUBSIDIARIES

UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS

(millions of dollars)




 

 

September 30, 2023

 

June 30, 2023

Assets

 

 

 

Cash and cash equivalents

$

553

 

$

517

Restricted cash

 

151

 

 

170

Mortgage servicing rights at fair value

 

8,504

 

 

7,149

Advances and other receivables, net

 

758

 

 

802

Mortgage loans held for sale at fair value

 

893

 

 

1,187

Property and equipment, net

 

59

 

 

61

Deferred tax assets, net

 

499

 

 

657

Other assets

 

2,010

 

 

2,601

Total assets

$

13,427

 

$

13,144

 

 

 

 

Liabilities and Stockholders' Equity

 

 

 

Unsecured senior notes, net

$

3,147

 

$

2,676

Advance and warehouse facilities, net

 

3,545

 

 

3,512

Payables and other liabilities

 

1,964

 

 

2,395

MSR related liabilities - nonrecourse at fair value

 

467

 

 

482

Total liabilities

 

9,123

 

 

9,065

Total stockholders' equity

 

4,304

 

 

4,079

Total liabilities and stockholders' equity

$

13,427

 

$

13,144

UNAUDITED SEGMENT STATEMENT OF

OPERATIONS & EARNINGS RECONCILIATION

(millions of dollars, except for earnings per share data)


 

 

Three Months Ended September 30, 2023

 

Servicing

 

Originations

 

Corporate/ Other

 

Consolidated

 

 

 

 

 

 

 

 

Service related, net

$

392

 

 

$

18

 

 

$

22

 

 

$

432

 

Net gain on mortgage loans held for sale

 

72

 

 

 

70

 

 

 

—

 

 

 

142

 

Total revenues

 

464

 

 

 

88

 

 

 

22

 

 

 

574

 

Total expenses

 

172

 

 

 

58

 

 

 

71

 

 

 

301

 

Other income (expense), net:

 

 

 

 

 

 

 

Interest income

 

157

 

 

 

10

 

 

 

—

 

 

 

167

 

Interest expense

 

(88

)

 

 

(11

)

 

 

(47

)

 

 

(146

)

Other income, net

 

—

 

 

 

—

 

 

 

58

 

 

 

58

 

Total other income (expense), net

 

69

 

 

 

(1

)

 

 

11

 

 

 

79

 

Pretax income (loss)

$

361

 

 

$

29

 

 

$

(38

)

 

$

352

 

Income tax expense

 

 

 

 

 

 

 

77

 

Net income

 

 

 

 

 

 

$

275

 

Earnings per share

 

 

 

 

 

 

 

Basic

 

 

 

 

 

 

$

4.14

 

Diluted

 

 

 

 

 

 

$

4.06

 

 

 

 

 

 

 

 

 

Non-GAAP Reconciliation:

 

 

 

 

 

 

 

Pretax income (loss)

$

361

 

 

$

29

 

 

$

(38

)

 

$

352

 

Other mark-to-market

 

(61

)

 

 

—

 

 

 

—

 

 

 

(61

)

Accounting items / other

 

—

 

 

 

—

 

 

 

(44

)

 

 

(44

)

Intangible amortization

 

1

 

 

 

—

 

 

 

1

 

 

 

2

 

Pretax operating income (loss)

$

301

 

 

$

29

 

 

$

(81

)

 

$

249

 

Income tax expense(1)

 

 

 

 

 

 

 

(60

)

Operating income

 

 

 

 

 

 

$

189

 

Operating ROTCE(2)

 

 

 

 

 

 

 

18.7

%

Average tangible book value (TBV)(3)

 

 

 

 

 

 

$

4,032

 

(1)

Assumes tax-rate of 24.2%.

(2)

Computed by dividing annualized earnings by average TBV.

(3)

Average of beginning TBV of $3,931 and ending TBV of $4,133.

UNAUDITED SEGMENT STATEMENT OF

OPERATIONS & EARNINGS RECONCILIATION

(millions of dollars, except for earnings per share data)


 

 

Three Months Ended June 30, 2023

 

Servicing

 

Originations

 

Corporate/ Other

 

Consolidated

 

 

 

 

 

 

 

 

Service related, net

$

365

 

 

$

16

 

 

$

21

 

 

$

402

 

Net gain on mortgage loans held for sale

 

3

 

 

 

81

 

 

 

—

 

 

 

84

 

Total revenues

 

368

 

 

 

97

 

 

 

21

 

 

 

486

 

Total expenses

 

159

 

 

 

59

 

 

 

60

 

 

 

278

 

Other income (expense), net:

 

 

 

 

 

 

 

Interest income

 

107

 

 

 

10

 

 

 

—

 

 

 

117

 

Interest expense

 

(73

)

 

 

(10

)

 

 

(39

)

 

 

(122

)

Other expense, net

 

—

 

 

 

—

 

 

 

(5

)

 

 

(5

)

Total other income (expense), net

 

34

 

 

 

—

 

 

 

(44

)

 

 

(10

)

Pretax income (loss)

$

243

 

 

$

38

 

 

$

(83

)

 

$

198

 

Income tax expense

 

 

 

 

 

 

 

56

 

Net income

 

 

 

 

 

 

$

142

 

Earnings per share

 

 

 

 

 

 

 

Basic

 

 

 

 

 

 

$

2.10

 

Diluted

 

 

 

 

 

 

$

2.07

 

 

 

 

 

 

 

 

 

Non-GAAP Reconciliation:

 

 

 

 

 

 

 

Pretax income (loss)

$

243

 

 

$

38

 

 

$

(83

)

 

$

198

 

Other mark-to-market

 

(61

)

 

 

—

 

 

 

—

 

 

 

(61

)

Accounting items / other

 

—

 

 

 

—

 

 

 

11

 

 

 

11

 

Intangible amortization

 

—

 

 

 

—

 

 

 

2

 

 

 

2

 

Pretax operating income (loss)

$

182

 

 

$

38

 

 

$

(70

)

 

$

150

 

Income tax expense

 

 

 

 

 

 

 

(36

)

Operating income(1)

 

 

 

 

 

 

$

114

 

ROTCE(2)

 

 

 

 

 

 

 

11.7

%

Average tangible book value (TBV)(3)

 

 

 

 

 

 

$

3,896

 

(1)

Assumes tax-rate of 24.2%.

(2)

Computed by dividing annualized earnings by average TBV.

(3)

Average of beginning TBV of $3,860 and ending TBV of $3,931.

Non-GAAP Reconciliation:

Quarter Ended

($ in millions except value per share data)

Q3'23

 

Q2'23

Stockholders' equity (BV)

$

4,304

 

 

$

4,079

 

Goodwill

 

(141

)

 

 

(120

)

Intangible assets

 

(30

)

 

 

(28

)

Tangible book value (TBV)

$

4,133

 

 

$

3,931

 

Ending shares of common stock outstanding (in millions)

 

65.8

 

 

 

66.8

 

 

 

 

 

BV/share

$

65.38

 

 

$

61.02

 

TBV/share

$

62.78

 

 

$

58.81

 

 

 

 

 

Net income

$

275

 

 

$

142

 

ROCE(1)

 

26.2

%

 

 

14.1

%

 

 

 

 

Beginning stockholders’ equity

$

4,079

 

 

$

3,986

 

Ending stockholders’ equity

$

4,304

 

 

$

4,079

 

Average stockholders’ equity (BV)

$

4,192

 

 

$

4,033

 

(1)

Return on Common Equity (ROCE) is computed by dividing annualized earnings by average BV.

 

Contacts

Investor Contact:
Kenneth Posner, SVP Strategic Planning and Investor Relations
(469) 426-3633
Shareholders@mrcooper.com

Media Contact:
Christen Reyenga, VP Corporate Communications
MediaRelations@mrcooper.com

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Document and Entity Information
Oct. 25, 2023
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 25, 2023
Entity File Number 001-14667
Entity Registrant Name Mr. Cooper Group Inc.
Entity Central Index Key 0000933136
Entity Incorporation, State or Country Code DE
Entity Tax Identification Number 91-1653725
Entity Address, Address Line One 8950 Cypress Waters Blvd.
Entity Address, City or Town Coppell
Entity Address, State or Province TX
Entity Address, Postal Zip Code 75019
City Area Code 469
Local Phone Number 549-2000
Title of 12(b) Security Common Stock, $0.01 par value per share
Trading Symbol COOP
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
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