Mr Cooper Group Inc

Latest Results (18.11.2025):

Mr. Cooper Group Inc’s Second Quarter 2025 earnings report showcases a solid performance in a challenging market environment, highlighted by consistent operating metrics and robust segment results. The company delivered an operating ROTCE of 17.2%, generated significant pretax income from its servicing and originations segments, and maintained a strong balance sheet with a healthy capital ratio and liquidity. This performance comes as Mr. Cooper Group leverages its scale, technology, and operational excellence to navigate persistent high mortgage rates and evolving market conditions.

Operating Performance

The company achieved an operating ROTCE of 17.2% for Q2 2025, up from 16.8% last quarter, placing it firmly within its guidance range. This improvement underscores a consistent and predictable performance despite market headwinds.

Segment Results

In Q2 2025, the servicing segment generated $332 million in pretax income, up 15% year-over-year, while the originations segment produced $64 million in pretax income on $9.4 billion in fundings, reflecting strong execution across the business.

Balance Sheet & Liquidity

Mr. Cooper Group Inc’s balance sheet remained robust with a super-strong capital ratio of 26.6% and liquidity of $3.8 billion, along with declining delinquencies to 1.0%, highlighting solid asset quality.

Innovation & Strategic Initiatives

The company is advancing its technology platform with investments in AI, such as the rollout of its AgentiQ application, and has successfully launched its maiden MSR Fund with $200 million in initial commitments, setting the stage for further growth and enhanced operational efficiency.

Market Environment & Future Outlook

Despite a challenging environment marked by high mortgage rates and subdued home sales, Mr. Cooper Group Inc has demonstrated resilience through its balanced business model, positioning itself for continued success and future opportunities as it prepares for integration with Rocket.