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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.62
NAS:BOFI's Cash to Debt is ranked lower than
69% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.13 vs. NAS:BOFI: 0.62 )
Ranked among companies with meaningful Cash to Debt only.
NAS:BOFI' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.09 Max: N/A
Current: 0.62
Equity to Asset 0.09
NAS:BOFI's Equity to Asset is ranked lower than
60% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:BOFI: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
NAS:BOFI' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.09
0.07
0.11
Interest Coverage N/A
NAS:BOFI's Interest Coverage is ranked higher than
96% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. NAS:BOFI: N/A )
Ranked among companies with meaningful Interest Coverage only.
NAS:BOFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 1.2 Max: N/A
Current: N/A
F-Score: 6
M-Score: -2.17
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 (%) 62.59
NAS:BOFI's Operating margin (%) is ranked higher than
93% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.84 vs. NAS:BOFI: 62.59 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:BOFI' s Operating margin (%) Range Over the Past 10 Years
Min: 36.14  Med: 52.29 Max: 62.59
Current: 62.59
36.14
62.59
Net-margin (%) 36.44
NAS:BOFI's Net-margin (%) is ranked higher than
81% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.27 vs. NAS:BOFI: 36.44 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:BOFI' s Net-margin (%) Range Over the Past 10 Years
Min: 21.63  Med: 31.05 Max: 36.44
Current: 36.44
21.63
36.44
ROE (%) 19.43
NAS:BOFI's ROE (%) is ranked higher than
90% of the 1648 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.34 vs. NAS:BOFI: 19.43 )
Ranked among companies with meaningful ROE (%) only.
NAS:BOFI' s ROE (%) Range Over the Past 10 Years
Min: 4.21  Med: 16.27 Max: 19.55
Current: 19.43
4.21
19.55
ROA (%) 1.75
NAS:BOFI's ROA (%) is ranked higher than
82% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. NAS:BOFI: 1.75 )
Ranked among companies with meaningful ROA (%) only.
NAS:BOFI' s ROA (%) Range Over the Past 10 Years
Min: 0.39  Med: 1.42 Max: 1.78
Current: 1.75
0.39
1.78
Revenue Growth (3Y)(%) 29.60
NAS:BOFI's Revenue Growth (3Y)(%) is ranked higher than
95% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. NAS:BOFI: 29.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS: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
NAS:BOFI's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1237 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.00 vs. NAS:BOFI: 37.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS: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
NAS:BOFI's EPS Growth (3Y)(%) is ranked higher than
89% of the 1213 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. NAS:BOFI: 36.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS: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
» NAS:BOFI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-29)


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

» Details

Guru Trades

Q3 2015

BOFI Guru Trades in Q3 2015

Paul Tudor Jones 2,500 sh (New)
Jim Simons 287,900 sh (+64.51%)
» More
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
» 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
Compare:NYSE:PFS, NYSE:AF, NYSE:FBC, NAS:NWBI, NAS:KRNY, NAS:CFFN, NYSE:BHLB, NAS:EBSB, NAS:UBNK, NAS:FFIC, NAS:DCOM, NAS:HMST, NAS:CASH, NAS:HONE, NAS:OCFC, NAS:WSBF, NAS:LOB, NAS:WAFD, NAS:FDEF, NAS:CSBK » 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.

Ratios

vs
industry
vs
history
P/E(ttm) 12.29
BOFI's P/E(ttm) is ranked higher than
57% of the 1513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.26 vs. BOFI: 12.29 )
Ranked among companies with meaningful P/E(ttm) only.
BOFI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.01  Med: 15.73 Max: 46.11
Current: 12.29
5.01
46.11
Forward P/E 10.06
BOFI's Forward P/E is ranked higher than
71% of the 369 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.63 vs. BOFI: 10.06 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.29
BOFI's PE(NRI) is ranked higher than
57% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.28 vs. BOFI: 12.29 )
Ranked among companies with meaningful PE(NRI) only.
BOFI' s PE(NRI) Range Over the Past 10 Years
Min: 5.12  Med: 14.89 Max: 41.5
Current: 12.29
5.12
41.5
Price/Owner Earnings (ttm) 25.11
BOFI's Price/Owner Earnings (ttm) is ranked lower than
84% of the 859 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.81 vs. BOFI: 25.11 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BOFI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.8  Med: 12.88 Max: 830
Current: 25.11
4.8
830
P/B 2.14
BOFI's P/B is ranked lower than
88% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. BOFI: 2.14 )
Ranked among companies with meaningful P/B only.
BOFI' s P/B Range Over the Past 10 Years
Min: 0.45  Med: 1.13 Max: 4.49
Current: 2.14
0.45
4.49
P/S 4.51
BOFI's P/S is ranked lower than
75% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. BOFI: 4.51 )
Ranked among companies with meaningful P/S only.
BOFI' s P/S Range Over the Past 10 Years
Min: 1.59  Med: 4 Max: 10.02
Current: 4.51
1.59
10.02
PFCF 7.31
BOFI's PFCF is ranked higher than
65% of the 817 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.68 vs. BOFI: 7.31 )
Ranked among companies with meaningful PFCF only.
BOFI' s PFCF Range Over the Past 10 Years
Min: 1.91  Med: 20.61 Max: 236.25
Current: 7.31
1.91
236.25
POCF 7.00
BOFI's POCF is ranked higher than
62% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.22 vs. BOFI: 7.00 )
Ranked among companies with meaningful POCF only.
BOFI' s POCF Range Over the Past 10 Years
Min: 1.81  Med: 19.88 Max: 102.17
Current: 7
1.81
102.17
EV-to-EBIT 8.57
BOFI's EV-to-EBIT is ranked higher than
68% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.80 vs. BOFI: 8.57 )
Ranked among companies with meaningful EV-to-EBIT only.
BOFI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.8  Med: 17.25 Max: 172.6
Current: 8.57
5.8
172.6
EV-to-EBITDA 8.38
BOFI's EV-to-EBITDA is ranked higher than
66% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.39 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: 16.8 Max: 246.2
Current: 8.38
5.7
246.2
PEG 0.37
BOFI's PEG is ranked higher than
87% of the 740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. BOFI: 0.37 )
Ranked among companies with meaningful PEG only.
BOFI' s PEG Range Over the Past 10 Years
Min: 0.13  Med: 0.31 Max: 1.57
Current: 0.37
0.13
1.57
Shiller P/E 31.92
BOFI's Shiller P/E is ranked lower than
85% of the 494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.76 vs. BOFI: 31.92 )
Ranked among companies with meaningful Shiller P/E only.
BOFI' s Shiller P/E Range Over the Past 10 Years
Min: 22.81  Med: 43.45 Max: 61.98
Current: 31.92
22.81
61.98

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 1052 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 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 2.15
BOFI's Price/Tangible Book is ranked lower than
84% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. BOFI: 2.15 )
Ranked among companies with meaningful Price/Tangible Book only.
BOFI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 1.18 Max: 3.12
Current: 2.15
0.62
3.12
Price/Projected FCF 1.18
BOFI's Price/Projected FCF is ranked lower than
84% of the 831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. BOFI: 1.18 )
Ranked among companies with meaningful Price/Projected FCF only.
BOFI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.91  Med: 2.73 Max: 5.51
Current: 1.18
0.91
5.51
Price/DCF (Earnings Based) 0.43
BOFI's Price/DCF (Earnings Based) is ranked higher than
78% of the 104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.73 vs. BOFI: 0.43 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.12
BOFI's Price/Median PS Value is ranked lower than
58% of the 1494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. BOFI: 1.12 )
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: 1.05 Max: 1.9
Current: 1.12
0.45
1.9
Price/Peter Lynch Fair Value 0.49
BOFI's Price/Peter Lynch Fair Value is ranked higher than
87% of the 385 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. BOFI: 0.49 )
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: 0.26  Med: 0.38 Max: 0.9
Current: 0.49
0.26
0.9
Price/Graham Number 1.08
BOFI's Price/Graham Number is ranked lower than
66% of the 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. BOFI: 1.08 )
Ranked among companies with meaningful Price/Graham Number only.
BOFI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.47  Med: 0.87 Max: 1.65
Current: 1.08
0.47
1.65
Earnings Yield (Greenblatt) (%) 11.70
BOFI's Earnings Yield (Greenblatt) (%) is ranked higher than
76% of the 1619 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: 5.8 Max: 17.2
Current: 11.7
0.6
17.2
Forward Rate of Return (Yacktman) (%) 36.02
BOFI's Forward Rate of Return (Yacktman) (%) is ranked higher than
86% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.66 vs. BOFI: 36.02 )
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 Max: 56.1
Current: 36.02
1
56.1

More Statistics

Revenue (TTM) (Mil) $327.4
EPS (TTM) $ 1.86
Beta-0.31
Short Percentage of Float38.08%
52-Week Range $13.47 - 35.98
Shares Outstanding (Mil)63.27

Analyst Estimate

Jun17
Revenue (Mil $)
EPS ($) 2.16
EPS w/o NRI ($) 2.16
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)

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