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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 0.95
BOFI's Cash to Debt is ranked lower than
64% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.14 vs. BOFI: 0.95 )
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: 0.95
Equity to Asset 0.09
BOFI's Equity to Asset is ranked lower than
59% of the 1614 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 20.25
BOFI's Interest Coverage is ranked higher than
92% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. BOFI: 20.25 )
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: 20.25
Current: 20.25
0.15
20.25
F-Score: 5
M-Score: -2.34
WACC vs ROIC
3.36%
14.45%
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 (%) 61.17
BOFI's Operating margin (%) is ranked higher than
93% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.10 vs. BOFI: 61.17 )
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: 61.17
36.14
62.59
Net-margin (%) 35.57
BOFI's Net-margin (%) is ranked higher than
80% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.46 vs. BOFI: 35.57 )
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: 35.57
21.63
36.44
ROE (%) 18.47
BOFI's ROE (%) is ranked higher than
89% of the 1623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.50 vs. BOFI: 18.47 )
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: 18.47
4.21
19.55
ROA (%) 1.67
BOFI's ROA (%) is ranked higher than
82% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. BOFI: 1.67 )
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: 1.67
0.39
1.78
Revenue Growth (3Y)(%) 29.60
BOFI's Revenue Growth (3Y)(%) is ranked higher than
95% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 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
92% of the 1264 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 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
90% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 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


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

» Details

Guru Trades

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
Q4 2016

BOFI Guru Trades in Q4 2016

David Dreman 18,606 sh (New)
Chuck Royce 447,900 sh (+7.82%)
» 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:NYSE:AF, NAS:NWBI, NYSE:PFS, NAS:CFFN, NYSE:FBC, NAS:KRNY, NYSE:BHLB, NAS:EBSB, NAS:OCFC, NAS:UBNK, NAS:LOB, NAS:FFIC, NAS:DCOM, NAS:CASH, NAS:HMST, NAS:WAFD, OTCPK:BBXTB, NAS:HONE, NAS:WSBF, 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.

Ratios

vs
industry
vs
history
P/E(ttm) 15.03
BOFI's P/E(ttm) is ranked lower than
54% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. BOFI: 15.03 )
Ranked among companies with meaningful P/E(ttm) only.
BOFI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.01  Med: 13.88 Max: 46.11
Current: 15.03
5.01
46.11
Forward P/E 14.04
BOFI's Forward P/E is ranked higher than
63% of the 390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.21 vs. BOFI: 14.04 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.03
BOFI's PE(NRI) is ranked lower than
52% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.53 vs. BOFI: 15.03 )
Ranked among companies with meaningful PE(NRI) only.
BOFI' s PE(NRI) Range Over the Past 10 Years
Min: 5.12  Med: 13.79 Max: 41.5
Current: 15.03
5.12
41.5
Price/Owner Earnings (ttm) 22.67
BOFI's Price/Owner Earnings (ttm) is ranked lower than
76% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.84 vs. BOFI: 22.67 )
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: 13.28 Max: 830
Current: 22.67
0.08
830
P/B 2.51
BOFI's P/B is ranked lower than
91% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. BOFI: 2.51 )
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: 2.51
0.45
4.49
P/S 5.35
BOFI's P/S is ranked lower than
80% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. BOFI: 5.35 )
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: 5.35
1.59
10.02
PFCF 8.91
BOFI's PFCF is ranked higher than
64% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. BOFI: 8.91 )
Ranked among companies with meaningful PFCF only.
BOFI' s PFCF Range Over the Past 10 Years
Min: 1.91  Med: 16.91 Max: 236.25
Current: 8.91
1.91
236.25
POCF 8.51
BOFI's POCF is ranked higher than
61% of the 933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. BOFI: 8.51 )
Ranked among companies with meaningful POCF only.
BOFI' s POCF Range Over the Past 10 Years
Min: 1.81  Med: 16.63 Max: 66.07
Current: 8.51
1.81
66.07
EV-to-EBIT 8.80
BOFI's EV-to-EBIT is ranked higher than
66% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. BOFI: 8.80 )
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: 8.8
5.8
172.6
EV-to-EBITDA 8.58
BOFI's EV-to-EBITDA is ranked higher than
64% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.35 vs. BOFI: 8.58 )
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: 8.58
5.7
246.2
PEG 0.47
BOFI's PEG is ranked higher than
84% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.44 vs. BOFI: 0.47 )
Ranked among companies with meaningful PEG only.
BOFI' s PEG Range Over the Past 10 Years
Min: 0.13  Med: 0.31 Max: 1.15
Current: 0.47
0.13
1.15
Shiller P/E 36.59
BOFI's Shiller P/E is ranked lower than
83% of the 489 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.50 vs. BOFI: 36.59 )
Ranked among companies with meaningful Shiller P/E only.
BOFI' s Shiller P/E Range Over the Past 10 Years
Min: 22.81  Med: 40.84 Max: 61.88
Current: 36.59
22.81
61.88

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
62% of the 1063 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 2.53
BOFI's Price/Tangible Book is ranked lower than
87% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. BOFI: 2.53 )
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: 2.53
0.55
3.65
Price/Projected FCF 1.27
BOFI's Price/Projected FCF is ranked lower than
79% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. BOFI: 1.27 )
Ranked among companies with meaningful Price/Projected FCF only.
BOFI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.7  Med: 2.42 Max: 23.97
Current: 1.27
0.7
23.97
Price/DCF (Earnings Based) 0.53
BOFI's Price/DCF (Earnings Based) is ranked higher than
74% of the 126 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. BOFI: 0.53 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.35
BOFI's Price/Median PS Value is ranked lower than
68% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. BOFI: 1.35 )
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: 1.15 Max: 3.75
Current: 1.35
0.45
3.75
Price/Peter Lynch Fair Value 0.60
BOFI's Price/Peter Lynch Fair Value is ranked higher than
83% of the 438 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. BOFI: 0.60 )
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: 0.47 Max: 0.98
Current: 0.6
0.21
0.98
Price/Graham Number 1.30
BOFI's Price/Graham Number is ranked lower than
73% of the 1465 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. BOFI: 1.30 )
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: 1.3
0.47
1.99
Earnings Yield (Greenblatt) (%) 11.34
BOFI's Earnings Yield (Greenblatt) (%) is ranked higher than
74% of the 1696 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. BOFI: 11.34 )
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: 11.34
0.6
17.2
Forward Rate of Return (Yacktman) (%) 35.79
BOFI's Forward Rate of Return (Yacktman) (%) is ranked higher than
88% of the 893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.05 vs. BOFI: 35.79 )
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: 35.79
1
56.1

More Statistics

Revenue (TTM) (Mil) $356.6
EPS (TTM) $ 1.97
Beta0.07
Short Percentage of Float33.78%
52-Week Range $15.29 - 30.73
Shares Outstanding (Mil)63.36

Analyst Estimate

Jun17 Jun18 Jun19
Revenue (Mil $) 384 453
EPS ($) 2.12 2.48 2.91
EPS w/o NRI ($) 2.12 2.48 2.91
EPS Growth Rate
(3Y to 5Y Estimate)
10.00%
Dividends Per Share ($)
» More Articles for NAS:BOFI

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More From Other Websites
BOFI HOLDING, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Feb 16 2017
BOFI Announces New Chairman of its Board of Directors Feb 16 2017
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BofI Holding, Inc. :BOFI-US: Earnings Analysis: Q2, 2017 By the Numbers : February 2, 2017 Feb 02 2017
BOFI HOLDING, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 01 2017
Why The Most Shorted U.S. Bank Might Be A Buy Feb 01 2017
Going Long on the Most Shorted U.S. Bank Feb 01 2017
Edited Transcript of BOFI earnings conference call or presentation 30-Jan-17 10:00pm GMT Jan 30 2017
BOFI HOLDING, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 30 2017
Bofi beats Street 2Q forecasts Jan 30 2017
Bofi beats Street 2Q forecasts Jan 30 2017
BofI Holding, Inc. Announces Second Quarter Net Income, Up 14.7% Jan 30 2017
The Zacks Industry Rank Highlights: Zions Bancorporation, Umpqua Holdings and Bofi Holding Jan 30 2017
Q2 2017 BofI Holding Inc Earnings Release - After Market Close Jan 30 2017
BofI Holding, Inc. Announces First Quarter Net Income, Up 13.3% Oct 27 2016
BofI Federal Bank® Announces Expansion of H&R Block®-Branded Financial Products Oct 26 2016
BofI Holding, Inc. Makes Fortune Inc. Fastest-Growing Company List for 2016 Sep 29 2016
BofI Holding, Inc. to Announce First Quarter 2017 Results on October 27, 2016 Sep 26 2016
U.S. banks want to cut branches, but customers keep coming Aug 22 2016
BofI Holding, Inc. Announces Fourth Quarter Net Income of $29.7 million, Up 21.9% Aug 02 2016
REMINDER: BofI Holding, Inc. to Announce Fourth Quarter 2016 Results on August 2, 2016 Aug 01 2016
BofI Holding, Inc. Ranked in Top-5 by Bank Director for Second Consecutive Year Jul 28 2016
BofI Federal Bank Promotes Financial Education Across San Diego Jul 11 2016
BofI Holding, Inc. to Announce Fourth Quarter 2016 Results on August 2, 2016 Jul 07 2016
BofI Holding, Inc. Ranked a Top Residential Real Estate Lender by Bank Director Magazine Jun 01 2016
BofI Holding, Inc. Named Best Public Thrift for 2015 May 05 2016
BofI Holding, Inc. Announces Record Third Quarter Net Income, Up 70.4% Apr 28 2016
BofI Holding, Inc. Issues Statement Regarding Share Price Volatility Apr 18 2016
BofI Holding, Inc. to Announce Third Quarter 2016 Results on April 28, 2016 Apr 04 2016
BofI Holding, Inc. Announces Acquisition of Equipment Leases and Operations of Pacific Western... Apr 04 2016
BofI Holding, Inc. Announces Exercise of Underwriters' Over-Allotment Option Mar 24 2016
BofI Holding, Inc. Announces New $100 Million Common Stock Repurchase Program Mar 21 2016

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