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Also traded in: Germany

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 0.82
BOFI's Cash to Debt is ranked lower than
65% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. BOFI: 0.82 )
Ranked among companies with meaningful Cash to Debt only.
BOFI' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.06 Max: N/A
Current: 0.82
Equity to Asset 0.09
BOFI's Equity to Asset is ranked lower than
60% of the 1608 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 Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.13
Current: 0.09
0.06
0.13
Interest Coverage 37.69
BOFI's Interest Coverage is ranked higher than
93% of the 1529 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. BOFI: 37.69 )
Ranked among companies with meaningful Interest Coverage only.
BOFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 1.2 Max: 3.61
Current: 37.69
0.15
3.61
F-Score: 6
M-Score: -2.44
WACC vs ROIC
1.77%
13.24%
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 (%) 61.53
BOFI's Operating margin (%) is ranked higher than
93% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.83 vs. BOFI: 61.53 )
Ranked among companies with meaningful Operating margin (%) only.
BOFI' s Operating margin (%) Range Over the Past 10 Years
Min: 36.14  Med: 52.29 Max: 62.59
Current: 61.53
36.14
62.59
Net-margin (%) 35.77
BOFI's Net-margin (%) is ranked higher than
80% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.44 vs. BOFI: 35.77 )
Ranked among companies with meaningful Net-margin (%) only.
BOFI' s Net-margin (%) Range Over the Past 10 Years
Min: 21.63  Med: 31.05 Max: 36.44
Current: 35.77
21.63
36.44
ROE (%) 18.83
BOFI's ROE (%) is ranked higher than
89% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.54 vs. BOFI: 18.83 )
Ranked among companies with meaningful ROE (%) only.
BOFI' s ROE (%) Range Over the Past 10 Years
Min: 4.21  Med: 16.27 Max: 19.55
Current: 18.83
4.21
19.55
ROA (%) 1.70
BOFI's ROA (%) is ranked higher than
82% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. BOFI: 1.70 )
Ranked among companies with meaningful ROA (%) only.
BOFI' s ROA (%) Range Over the Past 10 Years
Min: 0.39  Med: 1.42 Max: 1.78
Current: 1.7
0.39
1.78
Revenue Growth (3Y)(%) 29.60
BOFI's Revenue Growth (3Y)(%) is ranked higher than
95% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.30 vs. BOFI: 29.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BOFI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.9  Med: 29.6 Max: 152.2
Current: 29.6
-0.9
152.2
EBITDA Growth (3Y)(%) 37.00
BOFI's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. BOFI: 37.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BOFI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.8  Med: 28.1 Max: 60.1
Current: 37
-3.8
60.1
EPS Growth (3Y)(%) 36.80
BOFI's EPS Growth (3Y)(%) is ranked higher than
89% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. BOFI: 36.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BOFI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.8  Med: 29.25 Max: 83.4
Current: 36.8
-2.8
83.4
GuruFocus has detected 4 Warning Signs with BofI Holding Inc $BOFI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BOFI's 10-Y Financials

Financials (Next Earnings Date: 2017-01-30)


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

» Details

Guru Trades

Q4 2015

BOFI Guru Trades in Q4 2015

Paul Tudor Jones 28,100 sh (+181.00%)
Jim Simons 1,242,900 sh (+7.93%)
» More
Q1 2016

BOFI Guru Trades in Q1 2016

Chuck Royce 17,000 sh (New)
Paul Tudor Jones Sold Out
Jim Simons 1,050,800 sh (-15.46%)
» More
Q2 2016

BOFI Guru Trades in Q2 2016

Chuck Royce 258,300 sh (+1419.41%)
Jim Simons 299,000 sh (-71.55%)
» More
Q3 2016

BOFI Guru Trades in Q3 2016

Chuck Royce 415,400 sh (+60.82%)
Jim Simons 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%)

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:NWBI, NYSE:PFS, NYSE:AF, NYSE:FBC, NAS:KRNY, NYSE:BHLB, NAS:CFFN, NAS:EBSB, NAS:CASH, NAS:OCFC, NAS:UBNK, NAS:FFIC, NAS:DCOM, NAS:HMST, NAS:LOB, NAS:HONE, OTCPK:BFCFB, NAS:WSBF, NAS:WAFD, NAS:BKMU » details
Traded in other countries:BB4.Germany,
BofI Holding Inc is a holding company. The Company through its bank holding provides diversified financial services including consumer and business banking products through the branchless distribution channels and affinity partners.

BofI Holding Inc is a holding company incorporated in the State of Delaware on July 6, 1999 for the purpose of organizing and launching an Internet-based savings bank. The Company through its bank holding provides diversified financial services including consumer and business banking products through the branchless distribution channels and affinity partners. The Company's deposit products are demand accounts, savings accounts and time deposits marketed to consumers and businesses located in all 50 states. The Company's lending products are residential single family and multifamily mortgage loans. The Company distributes its deposit products through retail distribution channels and distributes its loan products through retail, correspondent and wholesale channels, and the loans it retains are first mortgages secured by single family real property and by multifamily real property. The Company's 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's retail distribution channels for deposit and lending products include multiple national online banking brands with tailored products targeted to specific consumer segments, affinity groups, business banking division focused on providing deposit products and loans to specific nationwide industry verticals and small and medium size businesses, commission-based lending sales force that operates from home offices focusing on the origination of single family and multifamily mortgage loans, commission-based lending sales force that operates from the corporate office focusing on commercial and industrial loans to businesses, and inside sales teams that originate loans and deposits from self-generated internet leads, third-party purchase leads, and from retention and cross-sell of existing customer base. The Comp-any faces competition from traditional real estate lenders, including large and small savings banks, commercial banks, mortgage bankers and mortgage brokers. The Company's business is concentrated in the state of California and is subject to the general economic conditions of that state. It is regulated as a savings and loan holding company by the Board of Governors of the Federal Reserve System.

Top Ranked Articles about BofI Holding Inc

CFO of BofI Holding Buys 1,000 Shares Company reports net income increase of 45%
Andrew Micheletti (Insider Trades), executive vice president and CFO of BofI Holding Inc. (BOFI), bought 1,000 shares of the company on Feb. 11. The average price per share was $13.69 for a total transaction cost of $13,690. BofI Holding Inc. is the holding company of BofI Federal bank, which provides financing for single and multifamily residential properties, small-to medium size businesses and specialty finance receivables. BofI Holding has a market cap of $917.12 million and a P/S ratio of 3.26. Read more...
Why Investors Are Wrong to Short Bofl Holding Internet banking company is battling a series of baseless lawsuits
Shares of BofI Holding (NASDAQ:BOFI) are currently trading at multi-year lows after a period that saw them plunge from a high of $36 to about $17 per share. The company’s stock is currently experiencing a short ratio to float of more than 40%, while recent insider transactions indicate increased activity from buyers. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 14.21
BOFI's P/E(ttm) is ranked lower than
54% of the 1490 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.41 vs. BOFI: 14.21 )
Ranked among companies with meaningful P/E(ttm) only.
BOFI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.01  Med: 13.79 Max: 46.11
Current: 14.21
5.01
46.11
Forward P/E 12.71
BOFI's Forward P/E is ranked higher than
63% of the 360 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.55 vs. BOFI: 12.71 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.21
BOFI's PE(NRI) is ranked lower than
54% of the 1487 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.49 vs. BOFI: 14.21 )
Ranked among companies with meaningful PE(NRI) only.
BOFI' s PE(NRI) Range Over the Past 10 Years
Min: 5.12  Med: 13.52 Max: 41.5
Current: 14.21
5.12
41.5
Price/Owner Earnings (ttm) 24.76
BOFI's Price/Owner Earnings (ttm) is ranked lower than
83% of the 876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.83 vs. BOFI: 24.76 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BOFI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.08  Med: 12.28 Max: 1245
Current: 24.76
0.08
1245
P/B 2.40
BOFI's P/B is ranked lower than
91% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. BOFI: 2.40 )
Ranked among companies with meaningful P/B only.
BOFI' s P/B Range Over the Past 10 Years
Min: 0.45  Med: 1.15 Max: 4.49
Current: 2.4
0.45
4.49
P/S 5.10
BOFI's P/S is ranked lower than
80% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. BOFI: 5.10 )
Ranked among companies with meaningful P/S only.
BOFI' s P/S Range Over the Past 10 Years
Min: 1.59  Med: 3.97 Max: 10.02
Current: 5.1
1.59
10.02
PFCF 7.83
BOFI's PFCF is ranked higher than
64% of the 797 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. BOFI: 7.83 )
Ranked among companies with meaningful PFCF only.
BOFI' s PFCF Range Over the Past 10 Years
Min: 1.91  Med: 16.41 Max: 236.25
Current: 7.83
1.91
236.25
POCF 7.45
BOFI's POCF is ranked higher than
62% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.98 vs. BOFI: 7.45 )
Ranked among companies with meaningful POCF only.
BOFI' s POCF Range Over the Past 10 Years
Min: 1.81  Med: 15.99 Max: 66.07
Current: 7.45
1.81
66.07
EV-to-EBIT 8.58
BOFI's EV-to-EBIT is ranked higher than
63% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. BOFI: 8.58 )
Ranked among companies with meaningful EV-to-EBIT only.
BOFI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.8  Med: 16.2 Max: 172.6
Current: 8.58
5.8
172.6
EV-to-EBITDA 8.38
BOFI's EV-to-EBITDA is ranked higher than
61% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.34 vs. BOFI: 8.38 )
Ranked among companies with meaningful EV-to-EBITDA only.
BOFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.7  Med: 15.8 Max: 246.2
Current: 8.38
5.7
246.2
PEG 0.44
BOFI's PEG is ranked higher than
83% of the 754 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. BOFI: 0.44 )
Ranked among companies with meaningful PEG only.
BOFI' s PEG Range Over the Past 10 Years
Min: 0.13  Med: 0.32 Max: 1.15
Current: 0.44
0.13
1.15
Shiller P/E 35.65
BOFI's Shiller P/E is ranked lower than
85% of the 483 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. BOFI: 35.65 )
Ranked among companies with meaningful Shiller P/E only.
BOFI' s Shiller P/E Range Over the Past 10 Years
Min: 22.81  Med: 42.95 Max: 65.98
Current: 35.65
22.81
65.98

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -4.80
BOFI's 3-Year Average Share Buyback Ratio is ranked lower than
61% of the 1039 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 vs. BOFI: -4.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BOFI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -19.6  Med: -10.5 Max: 1.2
Current: -4.8
-19.6
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.41
BOFI's Price/Tangible Book is ranked lower than
88% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. BOFI: 2.41 )
Ranked among companies with meaningful Price/Tangible Book only.
BOFI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.55  Med: 1.17 Max: 3.65
Current: 2.41
0.55
3.65
Price/Projected FCF 1.20
BOFI's Price/Projected FCF is ranked lower than
81% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. BOFI: 1.20 )
Ranked among companies with meaningful Price/Projected FCF only.
BOFI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.7  Med: 2.77 Max: 23.97
Current: 1.2
0.7
23.97
Price/DCF (Earnings Based) 0.50
BOFI's Price/DCF (Earnings Based) is ranked higher than
68% of the 111 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. BOFI: 0.50 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.28
BOFI's Price/Median PS Value is ranked lower than
70% of the 1458 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. BOFI: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
BOFI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.45  Med: 1.11 Max: 3.75
Current: 1.28
0.45
3.75
Price/Peter Lynch Fair Value 0.57
BOFI's Price/Peter Lynch Fair Value is ranked higher than
85% of the 399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. BOFI: 0.57 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BOFI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.21  Med: 0.46 Max: 0.98
Current: 0.57
0.21
0.98
Price/Graham Number 1.24
BOFI's Price/Graham Number is ranked lower than
74% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. BOFI: 1.24 )
Ranked among companies with meaningful Price/Graham Number only.
BOFI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.47  Med: 0.89 Max: 1.99
Current: 1.24
0.47
1.99
Earnings Yield (Greenblatt) (%) 11.70
BOFI's Earnings Yield (Greenblatt) (%) is ranked higher than
72% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. BOFI: 11.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BOFI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 6.2 Max: 17.2
Current: 11.7
0.6
17.2
Forward Rate of Return (Yacktman) (%) 36.65
BOFI's Forward Rate of Return (Yacktman) (%) is ranked higher than
88% of the 867 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.21 vs. BOFI: 36.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BOFI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1  Med: 34.1 Max: 56.1
Current: 36.65
1
56.1

More Statistics

Revenue (TTM) (Mil) $342.9
EPS (TTM) $ 1.91
Beta0.02
Short Percentage of Float33.97%
52-Week Range $13.47 - 30.27
Shares Outstanding (Mil)63.30

Analyst Estimate

Jun17 Jun18
Revenue (Mil $) 384 451
EPS ($) 2.14 2.39
EPS w/o NRI ($) 2.14 2.39
EPS Growth Rate
(3Y to 5Y Estimate)
10.00%
Dividends Per Share ($)
» More Articles for NAS:BOFI

Headlines

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Wide Margin of Safety for Fossil and NeuStar May 18 2016 
Growing EPS for Undervalued Stocks May 17 2016 
CFO of BofI Holding Buys 1,000 Shares Feb 15 2016 
Why Investors Are Wrong to Short Bofl Holding Jan 25 2016 
The Hedged Portfolio Method Oct 12 2015 
So what exactly do you get with Bank of the Internet stock? Apr 08 2015 
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 

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