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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.17
BOFI's Cash to Debt is ranked higher than
54% of the 1365 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. BOFI: 0.17 )
BOFI' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.17

Equity to Asset 0.08
BOFI's Equity to Asset is ranked higher than
63% of the 1753 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. BOFI: 0.08 )
BOFI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.08

0.07
0.11
Interest Coverage 2.63
BOFI's Interest Coverage is ranked higher than
81% of the 1622 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. BOFI: 2.63 )
BOFI' s 10-Year Interest Coverage Range
Min: 0.15   Max: 2.63
Current: 2.63

0.15
2.63
F-Score: 3
Z-Score: 0.34
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 59.08
BOFI's Operating margin (%) is ranked higher than
97% of the 1776 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.81 vs. BOFI: 59.08 )
BOFI' s 10-Year Operating margin (%) Range
Min: -551.02   Max: 60.88
Current: 59.08

-551.02
60.88
Net-margin (%) 35.07
BOFI's Net-margin (%) is ranked higher than
91% of the 1783 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.59 vs. BOFI: 35.07 )
BOFI' s 10-Year Net-margin (%) Range
Min: -298.9   Max: 207.32
Current: 35.07

-298.9
207.32
ROE (%) 17.80
BOFI's ROE (%) is ranked higher than
95% of the 1790 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.54 vs. BOFI: 17.80 )
BOFI' s 10-Year ROE (%) Range
Min: 4.64   Max: 19.32
Current: 17.8

4.64
19.32
ROA (%) 1.54
BOFI's ROA (%) is ranked higher than
94% of the 1790 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. BOFI: 1.54 )
BOFI' s 10-Year ROA (%) Range
Min: 0.39   Max: 1.55
Current: 1.54

0.39
1.55
ROC (Joel Greenblatt) (%) 1921.97
BOFI's ROC (Joel Greenblatt) (%) is ranked higher than
99% of the 1757 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 72.81 vs. BOFI: 1921.97 )
BOFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 44.55   Max: 6788.46
Current: 1921.97

44.55
6788.46
Revenue Growth (%) 21.70
BOFI's Revenue Growth (%) is ranked higher than
97% of the 1555 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. BOFI: 21.70 )
BOFI' s 10-Year Revenue Growth (%) Range
Min: -0.9   Max: 152
Current: 21.7

-0.9
152
EBITDA Growth (%) 28.10
BOFI's EBITDA Growth (%) is ranked higher than
92% of the 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. BOFI: 28.10 )
BOFI' s 10-Year EBITDA Growth (%) Range
Min: -4   Max: 59.9
Current: 28.1

-4
59.9
EPS Growth (%) 27.20
BOFI's EPS Growth (%) is ranked higher than
90% of the 1407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. BOFI: 27.20 )
BOFI' s 10-Year EPS Growth (%) Range
Min: -2.6   Max: 82.3
Current: 27.2

-2.6
82.3
» BOFI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

BOFI Guru Trades in Q3 2013

Jim Simons 761,100 sh (+25.95%)
Chuck Royce 152,200 sh (-58.11%)
» More
Q4 2013

BOFI Guru Trades in Q4 2013

Paul Tudor Jones 3,695 sh (New)
Jim Simons 744,500 sh (-2.18%)
Chuck Royce 36,262 sh (-76.17%)
» More
Q1 2014

BOFI Guru Trades in Q1 2014

Steven Cohen 8,847 sh (New)
Chuck Royce Sold Out
Jim Simons 715,600 sh (-3.88%)
Paul Tudor Jones 2,463 sh (-33.34%)
» More
Q2 2014

BOFI Guru Trades in Q2 2014

Jim Simons 728,800 sh (+1.84%)
Paul Tudor Jones Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with BOFI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.30
BOFI's P/E(ttm) is ranked higher than
67% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.50 vs. BOFI: 18.30 )
BOFI' s 10-Year P/E(ttm) Range
Min: 5.06   Max: 54.76
Current: 18.3

5.06
54.76
P/B 2.70
BOFI's P/B is ranked higher than
54% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. BOFI: 2.70 )
BOFI' s 10-Year P/B Range
Min: 0.45   Max: 4.49
Current: 2.7

0.45
4.49
P/S 6.40
BOFI's P/S is ranked higher than
55% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.97 vs. BOFI: 6.40 )
BOFI' s 10-Year P/S Range
Min: 1.59   Max: 15.33
Current: 6.4

1.59
15.33
PFCF 52.50
BOFI's PFCF is ranked higher than
70% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.89 vs. BOFI: 52.50 )
BOFI' s 10-Year PFCF Range
Min: 1.89   Max: 125.83
Current: 52.5

1.89
125.83
EV-to-EBIT 18.93
BOFI's EV-to-EBIT is ranked higher than
71% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.23 vs. BOFI: 18.93 )
BOFI' s 10-Year EV-to-EBIT Range
Min: 8.6   Max: 172.6
Current: 18.93

8.6
172.6
PEG 1.07
BOFI's PEG is ranked higher than
88% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. BOFI: 1.07 )
BOFI' s 10-Year PEG Range
Min: 0.12   Max: 1.45
Current: 1.07

0.12
1.45
Shiller P/E 28.90
BOFI's Shiller P/E is ranked higher than
76% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 27.04 vs. BOFI: 28.90 )
BOFI' s 10-Year Shiller P/E Range
Min: 11.25   Max: 46.5
Current: 28.9

11.25
46.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.80
BOFI's Price/Tangible Book is ranked higher than
57% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. BOFI: 2.80 )
BOFI' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 2.96
Current: 2.8

0.62
2.96
Price/DCF (Projected) 4.90
BOFI's Price/DCF (Projected) is ranked higher than
66% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. BOFI: 4.90 )
BOFI' s 10-Year Price/DCF (Projected) Range
Min: 1.49   Max: 5.68
Current: 4.9

1.49
5.68
Price/Median PS Value 1.80
BOFI's Price/Median PS Value is ranked higher than
57% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. BOFI: 1.80 )
BOFI' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 2.35
Current: 1.8

0.5
2.35
Price/Peter Lynch Fair Value 1.10
BOFI's Price/Peter Lynch Fair Value is ranked higher than
91% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. BOFI: 1.10 )
BOFI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26   Max: 1.15
Current: 1.1

0.26
1.15
Price/Graham Number 1.50
BOFI's Price/Graham Number is ranked higher than
63% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. BOFI: 1.50 )
BOFI' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 1.57
Current: 1.5

0.41
1.57
Earnings Yield (Greenblatt) 5.30
BOFI's Earnings Yield (Greenblatt) is ranked higher than
65% of the 1692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.00 vs. BOFI: 5.30 )
BOFI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 11.6
Current: 5.3

0.6
11.6
Forward Rate of Return (Yacktman) 15.56
BOFI's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.24 vs. BOFI: 15.56 )
BOFI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 15.2   Max: 60.8
Current: 15.56

15.2
60.8

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Traded in other countries:BB4.Germany
BofI Holding, Inc., was incorporated in the State of Delaware on July 6, 1999 for the purpose of organizing and launching an Internet-based savings bank. The Company is the holding company for Bank of Internet USA, a nationwide federally-chartered savings bank operating primarily through the Internet. It provides a variety of consumer and wholesale banking services, focusing on gathering retail deposits over the Internet and originating and purchasing multifamily, single family and home equity mortgage loans and purchasing mortgage-backed securities. The Company attracts and services its customers mainly through the Internet, which affords low operating expenses and allows the Company to pass these savings along to its customers in the form of attractive interest rates and low fees on its products. The Company's deposits consist mainly of interest-bearing checking and savings accounts and time deposits. Its loans are first mortgages secured by multifamily and single family real property. Mortgage-backed securities consist of mortgage pass-through securities issued by government-sponsored entities and non-agency collateralized mortgage obligations and pass-through mortgage-backed securities issued by private sponsors. The Company also provides home equity second mortgages, mainly closed end loans and, to a lesser extent, lines of credit. It markets lending products directly to customers through a variety of channels depending on the product. The Company originates loans through four different origination channels: online retail, online wholesale and direct and indirect. It offers a full line of deposit products over the Internet to customers in all 50 states. Its deposit products consist of demand deposits, savings accounts and time deposits. Its customers access their funds through ATMs, debit cards, Automated Clearing House funds and checks. It also offers the following additional services in connection with its deposit accounts: Online Bill Payment Service, Online Check Imaging, ATM Cards or VISA Check Cards, Overdraft Protection, Electronic Statements. In real estate lending, it competes against traditional real estate lenders, including large and small savings banks, commercial banks, mortgage bankers and mortgage brokers.
» More Articles for BOFI

Headlines

Articles On GuruFocus.com
BofI Federal Bank Updates Expected Timing of H&R Block Transaction Oct 15 2014 
BofI Holding, Inc. to Announce First Quarter Fiscal 2015 Results on November 4, 2014 Oct 15 2014 
Bank Of Internet Holding - The Worst Is Yet To Come Jul 11 2014 
Kerrisdale Capital Full Short Report - B of I Holding Apr 09 2014 
Kerrisdale Capital Presentation - Short Bank of Internet Holdings Apr 07 2014 
comment on BOFI Mar 11 2013 
difference in price Mar 11 2013 
BOFI Holdings Inc: A Conservatively Operated, Low Priced Bank Jan 13 2012 
How to Value a Bank? Jan 11 2012 
Bank Of...Internet? Jan 09 2012 


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