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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 0.29
BOFI's Cash to Debt is ranked lower than
76% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. BOFI: 0.29 )
Ranked among companies with meaningful Cash to Debt only.
BOFI' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.03 Max: N/A
Current: 0.29
Equity to Asset 0.09
BOFI's Equity to Asset is ranked lower than
57% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. BOFI: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
BOFI' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.11
Current: 0.09
0.07
0.11
Interest Coverage 3.10
BOFI's Interest Coverage is ranked higher than
68% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. BOFI: 3.10 )
Ranked among companies with meaningful Interest Coverage only.
BOFI' s 10-Year Interest Coverage Range
Min: 0.15  Med: 0.39 Max: 3.1
Current: 3.1
0.15
3.1
F-Score: 6
WACC vs ROIC
4.97%
8.63%
WACC
ROIC
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 : 9/10

vs
industry
vs
history
Operating margin (%) 61.37
BOFI's Operating margin (%) is ranked higher than
93% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. BOFI: 61.37 )
Ranked among companies with meaningful Operating margin (%) only.
BOFI' s 10-Year Operating margin (%) Range
Min: -551.02  Med: 48.21 Max: 61.37
Current: 61.37
-551.02
61.37
Net-margin (%) 36.02
BOFI's Net-margin (%) is ranked higher than
83% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. BOFI: 36.02 )
Ranked among companies with meaningful Net-margin (%) only.
BOFI' s 10-Year Net-margin (%) Range
Min: -298.9  Med: 29.05 Max: 207.32
Current: 36.02
-298.9
207.32
ROE (%) 18.20
BOFI's ROE (%) is ranked higher than
87% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. BOFI: 18.20 )
Ranked among companies with meaningful ROE (%) only.
BOFI' s 10-Year ROE (%) Range
Min: 4.18  Med: 7.83 Max: 18.76
Current: 18.2
4.18
18.76
ROA (%) 1.60
BOFI's ROA (%) is ranked higher than
82% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. BOFI: 1.60 )
Ranked among companies with meaningful ROA (%) only.
BOFI' s 10-Year ROA (%) Range
Min: 0.39  Med: 0.67 Max: 1.62
Current: 1.6
0.39
1.62
Revenue Growth (3Y)(%) 25.00
BOFI's Revenue Growth (3Y)(%) is ranked higher than
93% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. BOFI: 25.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BOFI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.9  Med: 28.40 Max: 152
Current: 25
-0.9
152
EBITDA Growth (3Y)(%) 32.10
BOFI's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. BOFI: 32.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BOFI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -4  Med: 21.50 Max: 59.9
Current: 32.1
-4
59.9
EPS Growth (3Y)(%) 33.40
BOFI's EPS Growth (3Y)(%) is ranked higher than
85% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. BOFI: 33.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BOFI' s 10-Year EPS Growth (3Y)(%) Range
Min: -2.6  Med: 27.20 Max: 82.3
Current: 33.4
-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 2014

BOFI Guru Trades in Q3 2014

Jim Simons 546,000 sh (-25.08%)
» More
Q4 2014

BOFI Guru Trades in Q4 2014

Jim Simons 309,200 sh (unchged)
Jim Simons 309,200 sh (-43.37%)
» More
Q1 2015

BOFI Guru Trades in Q1 2015

Jim Simons 231,100 sh (-25.26%)
» More
Q2 2015

BOFI Guru Trades in Q2 2015

Jim Simons 175,000 sh (-24.28%)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.91
BOFI's P/E(ttm) is ranked lower than
82% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. BOFI: 20.91 )
Ranked among companies with meaningful P/E(ttm) only.
BOFI' s 10-Year P/E(ttm) Range
Min: 5.06  Med: 17.66 Max: 54.76
Current: 20.91
5.06
54.76
Forward P/E 15.63
BOFI's Forward P/E is ranked lower than
88% of the 714 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.85 vs. BOFI: 15.63 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.90
BOFI's PE(NRI) is ranked lower than
83% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. BOFI: 21.90 )
Ranked among companies with meaningful PE(NRI) only.
BOFI' s 10-Year PE(NRI) Range
Min: 5.18  Med: 17.68 Max: 54.76
Current: 21.9
5.18
54.76
P/B 3.26
BOFI's P/B is ranked lower than
97% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. BOFI: 3.26 )
Ranked among companies with meaningful P/B only.
BOFI' s 10-Year P/B Range
Min: 0.45  Med: 1.11 Max: 4.49
Current: 3.26
0.45
4.49
P/S 7.51
BOFI's P/S is ranked lower than
93% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. BOFI: 7.51 )
Ranked among companies with meaningful P/S only.
BOFI' s 10-Year P/S Range
Min: 1.59  Med: 4.56 Max: 15.33
Current: 7.51
1.59
15.33
PFCF 15.44
BOFI's PFCF is ranked lower than
72% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. BOFI: 15.44 )
Ranked among companies with meaningful PFCF only.
BOFI' s 10-Year PFCF Range
Min: 1.89  Med: 17.56 Max: 125.83
Current: 15.44
1.89
125.83
POCF 14.74
BOFI's POCF is ranked lower than
78% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. BOFI: 14.74 )
Ranked among companies with meaningful POCF only.
BOFI' s 10-Year POCF Range
Min: 1.8  Med: 17.00 Max: 73.9
Current: 14.74
1.8
73.9
EV-to-EBIT 14.43
BOFI's EV-to-EBIT is ranked lower than
57% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. BOFI: 14.43 )
Ranked among companies with meaningful EV-to-EBIT only.
BOFI' s 10-Year EV-to-EBIT Range
Min: 8.6  Med: 19.35 Max: 172.6
Current: 14.43
8.6
172.6
PEG 1.00
BOFI's PEG is ranked higher than
50% of the 619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. BOFI: 1.00 )
Ranked among companies with meaningful PEG only.
BOFI' s 10-Year PEG Range
Min: 0.12  Med: 0.26 Max: 1.45
Current: 1
0.12
1.45
Shiller P/E 35.20
BOFI's Shiller P/E is ranked lower than
89% of the 786 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.81 vs. BOFI: 35.20 )
Ranked among companies with meaningful Shiller P/E only.
BOFI' s 10-Year Shiller P/E Range
Min: 11.25  Med: 19.81 Max: 46.7
Current: 35.2
11.25
46.7
Days Sales Outstanding 32.23
BOFI's Days Sales Outstanding is ranked higher than
52% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. BOFI: 32.23 )
Ranked among companies with meaningful Days Sales Outstanding only.
BOFI' s 10-Year Days Sales Outstanding Range
Min: 27.55  Med: 62.77 Max: 182.47
Current: 32.23
27.55
182.47

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.17
BOFI's Price/Tangible Book is ranked lower than
97% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. BOFI: 3.17 )
Ranked among companies with meaningful Price/Tangible Book only.
BOFI' s 10-Year Price/Tangible Book Range
Min: 0.62  Med: 1.15 Max: 3.08
Current: 3.17
0.62
3.08
Price/Projected FCF 2.87
BOFI's Price/Projected FCF is ranked lower than
96% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. BOFI: 2.87 )
Ranked among companies with meaningful Price/Projected FCF only.
BOFI' s 10-Year Price/Projected FCF Range
Min: 1.49  Med: 3.95 Max: 5.68
Current: 2.87
1.49
5.68
Price/DCF (Earnings Based) 0.77
BOFI's Price/DCF (Earnings Based) is ranked lower than
60% of the 57 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. BOFI: 0.77 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.60
BOFI's Price/Median PS Value is ranked lower than
93% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. BOFI: 1.60 )
Ranked among companies with meaningful Price/Median PS Value only.
BOFI' s 10-Year Price/Median PS Value Range
Min: 0.4  Med: 1.07 Max: 1.87
Current: 1.6
0.4
1.87
Price/Peter Lynch Fair Value 0.81
BOFI's Price/Peter Lynch Fair Value is ranked higher than
54% of the 371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. BOFI: 0.81 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BOFI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26  Med: 0.50 Max: 1.13
Current: 0.81
0.26
1.13
Price/Graham Number 1.68
BOFI's Price/Graham Number is ranked lower than
95% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. BOFI: 1.68 )
Ranked among companies with meaningful Price/Graham Number only.
BOFI' s 10-Year Price/Graham Number Range
Min: 0.41  Med: 0.81 Max: 1.63
Current: 1.68
0.41
1.63
Earnings Yield (Greenblatt) (%) 6.90
BOFI's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. BOFI: 6.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BOFI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 5.20 Max: 11.6
Current: 6.9
0.6
11.6
Forward Rate of Return (Yacktman) (%) 25.96
BOFI's Forward Rate of Return (Yacktman) (%) is ranked higher than
70% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. BOFI: 25.96 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BOFI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 11.4  Med: 37.30 Max: 59.7
Current: 25.96
11.4
59.7

Analyst Estimate

Jun16 Jun17
Revenue(Mil) 310 374
EPS($) 6.97 8.07
EPS without NRI($) 6.97 8.07

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. It provides consumer and business banking products. It has deposit and loan customers nationwide including consumer and business checking, savings and time deposit accounts and financing for single family and multifamily residential properties, small-to-medium size businesses in target sectors, and selected specialty finance receivables. The Bank generates fee income from consumer and business products including fees from loans originated for sale and transaction fees earned from processing payment activity. It distributes its deposit products through a retail distributions channels, and its deposits consist of demand, savings and time deposits accounts. It distributes its loan products through its retail, correspondent and wholesale channels, and the loans it retain are primarily first mortgages secured by single family real property and by multifamily real property. Its mortgage-backed securities consist primarily 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. Its retail distribution channels for deposit and lending products include: Multiple national online banking brands with tailored products targeted to specific consumer segments; Affinity groups where we gain access to the affinity group's members, and our exclusive relationships with financial advisory firms; A business banking division focused on providing deposit products and loans to specific nationwide industry verticals (e.g., Homeowners Associations) and small and medium size businesses; A commission-based lending sales force that operates from home offices focusing primarily on the origination of single family and multifamily mortgage loans; A commission-based lending sales force that operates from the corporate office focusing on commercial and industrial loans to businesses; and A call center that closes loans from self-generated internet leads, third-party purchase leads, and from our retention and cross-sell of our existing customer base. It is regulated as a savings and loan holding company by the Board of Governors of the Federal Reserve System.
» More Articles for BOFI

Headlines

Articles On GuruFocus.com
BofI Federal Bank Completes Deposit Transaction With H&R Block Sep 01 2015 
BofI Holding, Inc. to Announce Fourth Quarter and Year-End Results on July 30, 2015 Jul 06 2015 
26% port Jun 23 2015 
26% port Jun 23 2015 
26% port Jun 23 2015 
So what exactly do you get with Bank of the Internet stock? Apr 08 2015 
BofI Holding, Inc. Announces the Election of Uzair Dada to Its Board of Directors Jan 27 2015 
REMINDER: BofI Holding, Inc. to Announce Second Quarter Fiscal 2015 Results on January 29, 2015 Jan 22 2015 
BofI Holding, Inc. to Announce Second Quarter Fiscal 2015 Results on January 29, 2015 Jan 08 2015 
BofI Federal Bank Announces Agreement to Acquire Deposits of Union Federal Savings Bank Dec 23 2014 

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