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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 0.31
BOFI's Cash to Debt is ranked higher than
61% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. BOFI: 0.31 )
BOFI' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.31

Equity to Asset 0.09
BOFI's Equity to Asset is ranked higher than
64% of the 2022 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. BOFI: 0.09 )
BOFI' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.09

0.06
0.13
Interest Coverage 2.63
BOFI's Interest Coverage is ranked higher than
80% of the 1874 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 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: 5
Z-Score: 0.36
WACC vs ROIC
4.07%
6.70%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 60.35
BOFI's Operating margin (%) is ranked higher than
97% of the 2058 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.81 vs. BOFI: 60.35 )
BOFI' s 10-Year Operating margin (%) Range
Min: -551.02   Max: 60.88
Current: 60.35

-551.02
60.88
Net-margin (%) 35.51
BOFI's Net-margin (%) is ranked higher than
92% of the 2058 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.95 vs. BOFI: 35.51 )
BOFI' s 10-Year Net-margin (%) Range
Min: -298.9   Max: 207.32
Current: 35.51

-298.9
207.32
ROE (%) 18.00
BOFI's ROE (%) is ranked higher than
96% of the 2060 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. BOFI: 18.00 )
BOFI' s 10-Year ROE (%) Range
Min: 4.64   Max: 19.32
Current: 18

4.64
19.32
ROA (%) 1.55
BOFI's ROA (%) is ranked higher than
93% of the 2064 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. BOFI: 1.55 )
BOFI' s 10-Year ROA (%) Range
Min: 0.39   Max: 1.55
Current: 1.55

0.39
1.55
ROC (Joel Greenblatt) (%) 1938.13
BOFI's ROC (Joel Greenblatt) (%) is ranked higher than
99% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.79 vs. BOFI: 1938.13 )
BOFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 44.55   Max: 6788.46
Current: 1938.13

44.55
6788.46
Revenue Growth (3Y)(%) 21.70
BOFI's Revenue Growth (3Y)(%) is ranked higher than
97% of the 1734 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. BOFI: 21.70 )
BOFI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.9   Max: 152
Current: 21.7

-0.9
152
EBITDA Growth (3Y)(%) 28.10
BOFI's EBITDA Growth (3Y)(%) is ranked higher than
93% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. BOFI: 28.10 )
BOFI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -4   Max: 59.9
Current: 28.1

-4
59.9
EPS Growth (3Y)(%) 27.20
BOFI's EPS Growth (3Y)(%) is ranked higher than
91% of the 1572 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 vs. BOFI: 27.20 )
BOFI' s 10-Year EPS Growth (3Y)(%) 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

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
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 (-43.37%)
» 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) 19.70
BOFI's P/E(ttm) is ranked higher than
72% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. BOFI: 19.70 )
BOFI' s 10-Year P/E(ttm) Range
Min: 5.06   Max: 54.76
Current: 19.7

5.06
54.76
Forward P/E 13.61
BOFI's Forward P/E is ranked higher than
81% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.42 vs. BOFI: 13.61 )
N/A
PE(NRI) 19.70
BOFI's PE(NRI) is ranked higher than
72% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. BOFI: 19.70 )
BOFI' s 10-Year PE(NRI) Range
Min: 5.18   Max: 54.76
Current: 19.7

5.18
54.76
P/B 3.02
BOFI's P/B is ranked higher than
61% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. BOFI: 3.02 )
BOFI' s 10-Year P/B Range
Min: 0.45   Max: 4.49
Current: 3.02

0.45
4.49
P/S 6.96
BOFI's P/S is ranked higher than
63% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.63 vs. BOFI: 6.96 )
BOFI' s 10-Year P/S Range
Min: 1.59   Max: 15.33
Current: 6.96

1.59
15.33
PFCF 31.10
BOFI's PFCF is ranked higher than
76% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BOFI: 31.10 )
BOFI' s 10-Year PFCF Range
Min: 1.89   Max: 125.83
Current: 31.1

1.89
125.83
POCF 28.44
BOFI's POCF is ranked higher than
73% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.89 vs. BOFI: 28.44 )
BOFI' s 10-Year POCF Range
Min: 1.8   Max: 73.9
Current: 28.44

1.8
73.9
EV-to-EBIT 15.26
BOFI's EV-to-EBIT is ranked higher than
76% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.45 vs. BOFI: 15.26 )
BOFI' s 10-Year EV-to-EBIT Range
Min: 8.6   Max: 172.6
Current: 15.26

8.6
172.6
PEG 0.67
BOFI's PEG is ranked higher than
95% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BOFI: 0.67 )
BOFI' s 10-Year PEG Range
Min: 0.13   Max: 1.45
Current: 0.67

0.13
1.45
Shiller P/E 32.35
BOFI's Shiller P/E is ranked higher than
80% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BOFI: 32.35 )
BOFI' s 10-Year Shiller P/E Range
Min: 11.25   Max: 46.7
Current: 32.35

11.25
46.7
Days Sales Outstanding 26.93
BOFI's Days Sales Outstanding is ranked higher than
91% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BOFI: 26.93 )
BOFI' s 10-Year Days Sales Outstanding Range
Min: 27.55   Max: 182.47
Current: 26.93

27.55
182.47

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.03
BOFI's Price/Tangible Book is ranked higher than
62% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.51 vs. BOFI: 3.03 )
BOFI' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 3.65
Current: 3.03

0.55
3.65
Price/DCF (Projected) 3.43
BOFI's Price/DCF (Projected) is ranked higher than
74% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.55 vs. BOFI: 3.43 )
BOFI' s 10-Year Price/DCF (Projected) Range
Min: 0.69   Max: 23.98
Current: 3.43

0.69
23.98
Price/Median PS Value 1.74
BOFI's Price/Median PS Value is ranked higher than
64% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. BOFI: 1.74 )
BOFI' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 3.75
Current: 1.74

0.45
3.75
Price/Peter Lynch Fair Value 1.06
BOFI's Price/Peter Lynch Fair Value is ranked higher than
93% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BOFI: 1.06 )
BOFI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.21   Max: 1.18
Current: 1.06

0.21
1.18
Price/Graham Number 1.62
BOFI's Price/Graham Number is ranked higher than
67% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. BOFI: 1.62 )
BOFI' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 1.95
Current: 1.62

0.41
1.95
Earnings Yield (Greenblatt) 6.60
BOFI's Earnings Yield (Greenblatt) is ranked higher than
72% of the 2048 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. BOFI: 6.60 )
BOFI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 11.6
Current: 6.6

0.6
11.6
Forward Rate of Return (Yacktman) 19.05
BOFI's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 1311 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.44 vs. BOFI: 19.05 )
BOFI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 16   Max: 55.9
Current: 19.05

16
55.9

Analyst Estimate

Jun15 Jun16
Revenue(Mil) 227 304
EPS($) 5.13 6.58
EPS without NRI($) 5.13 6.58

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 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 
REMINDER: BofI Holding, Inc. to Announce First Quarter Fiscal 2015 Results on November 4, 2014 Oct 28 2014 
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 

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