0001157523-23-000611.txt : 20230426 0001157523-23-000611.hdr.sgml : 20230426 20230426070031 ACCESSION NUMBER: 0001157523-23-000611 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20230426 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230426 DATE AS OF CHANGE: 20230426 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: 23846743 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 a53387794.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):  April 26, 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, TX 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

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 April 26, 2023, Mr. Cooper Group Inc. (the “Company”) issued a press release announcing its financial results for the first quarter ended March 31, 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 first quarter ended March 31, 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
     
 
  
       

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:  April 26, 2023
 
 
 
 
 By:
 
 /s/ Kurt Johnson
 
 
 
 Kurt Johnson
      Executive Vice President & Chief Financial Officer

EX-99.1 2 a53387794_ex991.htm EXHIBIT 99.1
Exhibit 99.1

Mr. Cooper Group Reports First Quarter 2023 Results

  • Reported total net income of $37 million including other mark-to-market of $63 million, equivalent to ROCE of 3.7%
  • Book value per share and tangible book value per share stayed consistent at $58.57 and $56.72
  • Servicing UPB grew 7% y/y to $853 billion
  • Repurchased 2.1 million shares of common stock for $89 million

DALLAS--(BUSINESS WIRE)--April 26, 2023--Mr. Cooper Group Inc. (NASDAQ: COOP) (the “Company”), which principally operates under the Mr. Cooper® and Xome® brands, reported a first quarter net income of $37 million or $0.52 per diluted share. Net income included other mark-to-market of $63 million, which excludes fair value of excess spread accretion of $2 million. Excluding other mark-to-market and other items, the Company reported pretax operating income of $110 million. Other items included $1 million charge due to severance and $10 million loss associated with equity investments, and $1 million in intangible amortization.

Chairman and CEO Jay Bray commented, “Thanks to our balanced business model we produced strong operating results and another quarter of rising returns. Additionally, we ended the quarter with robust capital, record levels of liquidity, strong asset quality, and a significantly enhanced hedge on our MSR portfolio, positioning the company to navigate a volatile environment and deploy capital into accretive growth opportunities.”

Chris Marshall, Vice Chairman and President added, “Servicing continued to produce consistent stable predictable results, while originations outperformed on strong DTC execution. We continue to see exciting opportunities to grow our customer base, while our focus on positive operating leverage will help us generate higher returns.”

Servicing

The Servicing segment is focused on providing a best-in-class home loan experience for our 4.1 million customers while simultaneously strengthening asset performance for investors. In the first quarter, Servicing recorded pretax income of $94 million, including other mark-to-market of $63 million. The servicing portfolio ended the quarter at $853 billion in UPB. Servicing generated pretax operating income, excluding other mark-to-market, of $157 million. At quarter end, the carrying value of the MSR was $6,566 million equivalent to 159 bps of MSR UPB.

 


Quarter Ended

($ in millions)


Q1'23

 

Q4'22

 


$

 

BPS

 

$

 

BPS

Operational revenue


$

407

 

 

 

18.9

 

 

$

394

 

 

 

18.2

 

Amortization, net of accretion


 

(115

)

 

 

(5.4

)

 

 

(123

)

 

 

(5.7

)

Mark-to-market


 

(61

)

 

 

(2.8

)

 

 

(56

)

 

 

(2.6

)

Total revenues


 

231

 

 

 

10.7

 

 

 

215

 

 

 

9.9

 

Total expenses


 

(153

)

 

 

(7.1

)

 

 

(147

)

 

 

(6.8

)

Total other expenses, net


 

16

 

 

 

0.8

 

 

 

30

 

 

 

1.4

 

Income before taxes


 

94

 

 

 

4.4

 

 

 

98

 

 

 

4.5

 

Other mark-to-market


 

63

 

 

 

2.9

 

 

 

58

 

 

 

2.7

 

Accounting items


 

—

 

 

 

—

 

 

 

3

 

 

 

0.1

 

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


$

157

 

 

 

7.3

 

 

$

159

 

 

 

7.3

 

 


 

 

 

 

 

 

 

 


Quarter Ended

 


Q1'23

 

Q4'22

MSRs UPB($B)


$

413

 

 

$

411

 

Subservicing and Other UPB ($B)


 

440

 

 

 

459

 

Ending UPB ($B)


$

853

 

 

$

870

 

Average UPB ($B)


$

861

 

 

$

868

 

60+ day delinquency rate at period end


 

2.4

%

 

 

2.6

%

Annualized CPR


 

4.1

%

 

 

4.9

%

Modifications and workouts


 

16,353

 

 

 

14,966

 

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 $23 million.

The Company funded 10,177 loans in the first quarter, totaling approximately $2.7 billion UPB, which was comprised of $1.4 billion in direct-to-consumer and $1.3 billion in correspondent. Funded volume decreased 14% quarter-over-quarter, while pull through adjusted volume increased 9% quarter-over-quarter to $3.0 billion.

 

 

Quarter Ended

($ in millions)

 

Q1'23

 

Q4'22

Income (loss) before taxes

 

$

                                23

 

 

$

                              (14

)

Accounting items / other

 

 

                                   —

 

 

 

                                   12

 

Pretax operating income (loss) excluding accounting items and other

 

$

                                23

 

 

$

                                 (2

)


   

 

 

Quarter Ended

($ in millions)

 

Q1'23

 

Q4'22

Total pull through adjusted volume

 

$

                       3,045

 

 

$

                       2,797

 

Funded volume

 

$

                       2,739

 

 

$

                       3,169

 

Refinance recapture percentage

 

 

76

%

 

 

77

%

Recapture percentage

 

 

24

%

 

 

24

%

Purchase volume as a percentage of funded volume

 

 

52

%

 

 

44

%

Conference Call Webcast and Investor Presentation

The Company will host a conference call on April 26, 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.

MR. COOPER GROUP INC. AND SUBSIDIARIES

UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

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





 

 


Three Months Ended
March 31, 2023

 

Three Months Ended
December 31, 2022

Revenues:


 

 

 

Service related, net


$

261

 

 

$

255

 

Net gain on mortgage loans held for sale


 

69

 

 

 

48

 

Total revenues


 

330

 

 

 

303

 

Total expenses:


 

261

 

 

 

292

 

Other income (expense), net:


 

 

 

Interest income


 

85

 

 

 

92

 

Interest expense


 

(110

)

 

 

(103

)

Other expense, net


 

(9

)

 

 

(10

)

Total other expense, net


 

(34

)

 

 

(21

)

Income (loss) before income tax benefit


 

35

 

 

 

(10

)

Income tax benefit


 

(2

)

 

 

(11

)

Net income


$

37

 

 

$

1

 

 


 

 

 

Earnings per share:


 

 

 

Basic


$

0.54

 

 

$

0.01

 

Diluted


$

0.52

 

 

$

0.01

 

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


 

 

 

Basic


 

69.0

 

 

 

69.9

 

Diluted


 

70.5

 

 

 

71.6

 

MR. COOPER GROUP INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED BALANCE SHEETS

(millions of dollars)





 

 


Unaudited

 

 

 


March 31, 2023

 

December 31, 2022

Assets


 

 

 

Cash and cash equivalents


$

534

 

$

527

Restricted cash


 

133

 

 

175

Mortgage servicing rights at fair value


 

6,566

 

 

6,654

Advances and other receivables, net


 

933

 

 

1,019

Mortgage loans held for sale at fair value


 

937

 

 

893

Property and equipment, net


 

64

 

 

65

Deferred tax assets, net


 

707

 

 

703

Other assets


 

2,783

 

 

2,740

Total assets


$

12,657

 

$

12,776

 


 

 

 

Liabilities and Stockholders' Equity


 

 

 

Unsecured senior notes, net


$

2,675

 

$

2,673

Advance and warehouse facilities, net


 

2,934

 

 

2,885

Payables and other liabilities


 

2,550

 

 

2,633

MSR related liabilities - nonrecourse at fair value


 

512

 

 

528

Total liabilities


 

8,671

 

 

8,719

Total stockholders' equity


 

3,986

 

 

4,057

Total liabilities and stockholders' equity


$

12,657

 

$

12,776

UNAUDITED SEGMENT STATEMENT OF

OPERATIONS & EARNINGS RECONCILIATION

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



 

 


Three Months Ended March 31, 2023

 


Servicing

 

Originations

 

Corporate/ Other

 

Consolidated

 


 

 

 

 

 

 

 

Service related, net


$

231

 

 

$

11

 

 

$

19

 

 

$

261

 

Net gain on mortgage loans held for sale


 

—

 

 

 

69

 

 

 

—

 

 

 

69

 

Total revenues


 

231

 

 

 

80

 

 

 

19

 

 

 

330

 

Total expenses


 

153

 

 

 

56

 

 

 

52

 

 

 

261

 

Other (expense) income, net:


 

 

 

 

 

 

 

Interest income


 

79

 

 

 

6

 

 

 

—

 

 

 

85

 

Interest expense


 

(63

)

 

 

(7

)

 

 

(40

)

 

 

(110

)

Other expense, net


 

—

 

 

 

—

 

 

 

(9

)

 

 

(9

)

Total other (expense) income, net


 

16

 

 

 

(1

)

 

 

(49

)

 

 

(34

)

Pretax income (loss)


$

94

 

 

$

23

 

 

$

(82

)

 

$

35

 

Income tax benefit


 

 

 

 

 

 

 

(2

)

Net income


 

 

 

 

 

 

$

37

 

Earnings per share


 

 

 

 

 

 

 

Basic


 

 

 

 

 

 

$

0.54

 

Diluted


 

 

 

 

 

 

$

0.52

 

 


 

 

 

 

 

 

 

Non-GAAP Reconciliation:


 

 

 

 

 

 

 

Pretax income (loss)


$

94

 

 

$

23

 

 

$

(82

)

 

$

35

 

Other mark-to-market


 

63

 

 

 

—

 

 

 

—

 

 

 

63

 

Accounting items / other


 

—

 

 

 

—

 

 

 

11

 

 

 

11

 

Intangible amortization


 

—

 

 

 

—

 

 

 

1

 

 

 

1

 

Pretax operating income (loss)


$

157

 

 

$

23

 

 

$

(70

)

 

$

110

 

Income tax expense(1)


 

 

 

 

 

 

 

(27

)

Operating income


 

 

 

 

 

 

$

83

 

ROTCE(2)


 

 

 

 

 

 

 

8.6

%

Average tangible book value (TBV)(3)


 

 

 

 

 

 

$

3,895

 

(1)  

Assumes tax-rate of 24.2%.

(2)  

Computed by dividing annualized earnings by average TBV.

(3)  

Average of beginning TBV of $3,929 and ending TBV of $3,860.

UNAUDITED SEGMENT STATEMENT OF

OPERATIONS & EARNINGS RECONCILIATION

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



 

 

 

Three Months Ended December 31, 2022

 

 

Servicing

 

Originations

 

Corporate/ Other

 

Consolidated

 

 

 

 

 

 

 

 

 

Service related, net

 

$

223

 

 

$

12

 

 

$

20

 

 

$

255

 

Net gain on mortgage loans held for sale

 

 

(8

)

 

 

56

 

 

 

—

 

 

 

48

 

Total revenues

 

 

215

 

 

 

68

 

 

 

20

 

 

 

303

 

Total expenses

 

 

147

 

 

 

81

 

 

 

64

 

 

 

292

 

Other (expense) income, net:

 

 

 

 

 

 

 

 

Interest income

 

 

83

 

 

 

9

 

 

 

—

 

 

 

92

 

Interest expense

 

 

(53

)

 

 

(10

)

 

 

(40

)

 

 

(103

)

Other expense, net

 

 

—

 

 

 

—

 

 

 

(10

)

 

 

(10

)

Total other income (expense), net

 

 

30

 

 

 

(1

)

 

 

(50

)

 

 

(21

)

Pretax income (loss)

 

$

98

 

 

$

(14

)

 

$

(94

)

 

$

(10

)

Income tax benefit

 

 

 

 

 

 

 

 

(11

)

Net income

 

 

 

 

 

 

 

$

1

 

Earnings per share

 

 

 

 

 

 

 

 

Basic

 

 

 

 

 

 

 

$

0.01

 

Diluted

 

 

 

 

 

 

 

$

0.01

 

 

 

 

 

 

 

 

 

 

Non-GAAP Reconciliation:

 

 

 

 

 

 

 

 

Pretax income (loss)

 

$

98

 

 

$

(14

)

 

$

(94

)

 

$

(10

)

Other mark-to-market

 

 

58

 

 

 

—

 

 

 

—

 

 

 

58

 

Accounting items / other

 

 

3

 

 

 

12

 

 

 

18

 

 

 

33

 

Intangible amortization

 

 

—

 

 

 

—

 

 

 

1

 

 

 

1

 

Pretax operating income (loss)

 

$

159

 

 

$

(2

)

 

$

(75

)

 

$

82

 

Income tax expense

 

 

 

 

 

 

 

 

(20

)

Operating income(1)

 

 

 

 

 

 

 

$

62

 

ROTCE(2)

 

 

 

 

 

 

 

 

6.3

%

Average tangible book value (TBV)(3)

 

 

 

 

 

 

 

$

3,953

 

(1)  

Assumes tax-rate of 24.2%.

(2)  

Computed by dividing annualized earnings by average TBV.

(3)  

Average of beginning TBV of $3,976 and ending TBV of $3,929.

Non-GAAP Reconciliation:  

Quarter Ended

($ in millions except value per share data)

 

Q1'23

 

Q4'22

Stockholders' equity (BV)

 

$

3,986

 

 

$

4,057

 

Goodwill

 

 

(120

)

 

 

(120

)

Intangible assets

 

 

(6

)

 

 

(8

)

Tangible book value (TBV)

 

$

3,860

 

 

$

3,929

 

Ending shares of common stock outstanding (in millions)

 

 

68.1

 

 

 

69.3

 

 

 

 

 

 

BV/share

 

$

58.57

 

 

$

58.57

 

TBV/share

 

$

56.72

 

 

$

56.72

 

 

 

 

 

 

Net income

 

$

37

 

 

$

1

 

ROCE(1)

 

 

3.7

%

 

 

0.1

%

 

 

 

 

 

Beginning stockholders’ equity

 

$

4,057

 

 

$

4,105

 

Ending stockholders’ equity

 

$

3,986

 

 

$

4,057

 

Average stockholders’ equity (BV)

 

$

4,022

 

 

$

4,081


(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
Apr. 26, 2023
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Apr. 26, 2023
Entity Registrant Name Mr. Cooper Group Inc.
Entity Incorporation, State or Country Code DE
Entity File Number 001-14667
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
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0000933136
Title of 12(b) Security Common Stock, $0.01 par value per share
Trading Symbol COOP
Security Exchange Name NASDAQ
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