Hide

FocusBar

FeedbackFeedback
Subscribe to Premium Member
41.64 (1y: +125%)
Market Cap 559.93 M P/E(ttm) 15.20
Enterprise Value 1.05 B P/B 2.93
BOFI- NAS (USA)
BofI Holding Inc
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$41.64
Switch to:

GuruFocus Financial Strength Rank measures how strong a companyย’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 0.048
BOFI's Cash to Debt is ranked lower than
77% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. BOFI: 0.048 )
BOFI' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.05
Equity to Asset 0.087
BOFI's Equity to Asset is ranked lower than
57% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. BOFI: 0.087 )
BOFI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.09
0.07
0.11
Interest Coverage No Debt
BOFI's Interest Coverage is ranked lower than
67% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. BOFI: No Debt )
BOFI' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.4
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 51.80
BOFI's Operating margin (%) is ranked higher than
90% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 24.60 vs. BOFI: 51.80 )
BOFI' s 10-Year Operating margin (%) Range
Min: 36.1   Max: 60.9
Current: 51.8
36.1
60.9
Net-margin (%) 30.8
BOFI's Net-margin (%) is ranked higher than
81% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. BOFI: 30.8 )
BOFI' s 10-Year Net-margin (%) Range
Min: -89.1   Max: 35.8
Current: 30.8
-89.1
35.8
ROE (%) 14.3
BOFI's ROE (%) is ranked higher than
89% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. BOFI: 14.3 )
BOFI' s 10-Year ROE (%) Range
Min: -9.1   Max: 16.3
Current: 14.3
-9.1
16.3
ROA (%) 1.2
BOFI's ROA (%) is ranked higher than
82% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. BOFI: 1.2 )
BOFI' s 10-Year ROA (%) Range
Min: -0.7   Max: 1.5
Current: 1.2
-0.7
1.5
Revenue Growth (%) 22.5
BOFI's Revenue Growth (%) is ranked higher than
97% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BOFI: 22.5 )
BOFI' s 10-Year Revenue Growth (%) Range
Min: -0.7   Max: 45.5
Current: 22.5
-0.7
45.5
EBITDA Growth (%) 30.6
BOFI's EBITDA Growth (%) is ranked higher than
94% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BOFI: 30.6 )
BOFI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 42.2
Current: 30.6
0
42.2
EPS Growth (%) 31.5
BOFI's EPS Growth (%) is ranked higher than
94% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BOFI: 31.5 )
BOFI' s 10-Year EPS Growth (%) Range
Min: -2   Max: 57.6
Current: 31.5
-2
57.6
ยป BOFI's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

BOFI Guru Trades in Q2 2012

Chuck Royce 514,604 sh (+61.06%)
Jim Simons 245,799 sh (+5.49%)
» More
Q3 2012

BOFI Guru Trades in Q3 2012

Jim Simons 310,800 sh (+26.44%)
Chuck Royce 544,604 sh (+5.83%)
» More
Q4 2012

BOFI Guru Trades in Q4 2012

Jim Simons 409,500 sh (+31.76%)
Chuck Royce 517,604 sh (-4.96%)
» More
Q1 2013

BOFI Guru Trades in Q1 2013

Jim Simons 522,200 sh (+27.52%)
Chuck Royce 431,900 sh (-16.56%)
» More
» Details

Insider Trades

Latest Guru Trades with BOFI



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 15.30
BOFI's P/E(ttm) is ranked lower than
61% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. BOFI: 15.30 )
BOFI' s 10-Year P/E(ttm) Range
Min: 4.97   Max: 47.5
Current: 15.3
4.97
47.5
P/B 2.50
BOFI's P/B is ranked lower than
96% of the 876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. BOFI: 2.50 )
BOFI' s 10-Year P/B Range
Min: 0.27   Max: 2.5
Current: 2.5
0.27
2.5
P/S 4.69
BOFI's P/S is ranked lower than
86% of the 894 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.45 vs. BOFI: 4.69 )
BOFI' s 10-Year P/S Range
Min: 1.13   Max: 6.11
Current: 4.69
1.13
6.11
EV-to-EBIT 17.2
BOFI's EV-to-EBIT is ranked lower than
55% of the 745 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.84 vs. BOFI: 17.2 )
BOFI' s 10-Year EV-to-EBIT Range
Min: 8.6   Max: 170.5
Current: 17.2
8.6
170.5
PEG 0.3
BOFI's PEG is ranked higher than
83% of the 286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. BOFI: 0.3 )
BOFI' s 10-Year PEG Range
Min: 0.14   Max: 0.41
Current: 0.3
0.14
0.41
Shiller P/E 24.1
BOFI's Shiller P/E is ranked lower than
100% of the Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: vs. BOFI: 24.1 )
BOFI' s 10-Year Shiller P/E Range
Min: 11.15   Max: 24.1
Current: 24.1
11.15
24.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 2.6
BOFI's Price/Tangible Book is ranked lower than
93% of the 797 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. BOFI: 2.6 )
BOFI' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 1.2
Current: 2.6
0.6
1.2
Price/DCF (Projected) 17.9
BOFI's Price/DCF (Projected) is ranked lower than
100% of the 503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. BOFI: 17.9 )
BOFI' s 10-Year Price/DCF (Projected) Range
Min: 1.6   Max: 5.1
Current: 17.9
1.6
5.1
Price/Median PS Value 1.8
BOFI's Price/Median PS Value is ranked lower than
94% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. BOFI: 1.8 )
BOFI' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 2.2
Current: 1.8
0.7
2.2
Price/Peter Lynch Fair Value 0.6
BOFI's Price/Peter Lynch Fair Value is ranked higher than
69% of the 175 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. BOFI: 0.6 )
BOFI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3   Max: 0.3
Current: 0.6
Price/Graham Number 1.4
BOFI's Price/Graham Number is ranked lower than
90% of the 763 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. BOFI: 1.4 )
BOFI' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1
Current: 1.4
0.4
1
Earnings Yield (Greenblatt) 5.80
BOFI's Earnings Yield (Greenblatt) is ranked higher than
54% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. BOFI: 5.80 )
BOFI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 11.6
Current: 5.8
0.6
11.6
Forward Rate of Return (Yacktman) 34.18
BOFI's Forward Rate of Return (Yacktman) is ranked higher than
89% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.38 vs. BOFI: 34.18 )
BOFI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 29.6   Max: 49.7
Current: 34.18
29.6
49.7

Business Description

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.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG
ยป More Articles for BOFI

Headlines

Articles On GuruFocus.com
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 
BofI Holding Inc. (BOFI) EVP/CFO Andrew J Micheletti sells 13,125 Shares Mar 16 2011 
BofI Holding Inc. (BOFI) President & CEO Gregory Garrabrants sells 6,500 Shares May 12 2010 
BofI Holding Inc. (BOFI) President & CEO Gregory Garrabrants sells 8,500 Shares May 07 2010 
BofI Holding Inc. (BOFI) COO Gary Lewis Evans sells 87,100 Shares May 07 2010 
BofI Holding Inc. (BOFI) COO Gary Lewis Evans sells 25,000 Shares Dec 07 2009 
BofI Holding Inc. (BOFI) COO Gary Lewis Evans sells 34,684 Shares Sep 11 2009 

Personalized Checklist





Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names
Free 7-day Trial