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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
63% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.97 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
57% of the 1496 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 1758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 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
Beneish M-Score: -2.34
WACC vs ROIC
3.35%
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 : 7/10

vs
industry
vs
history
Operating Margin % 61.17
BOFI's Operating Margin % is ranked higher than
94% of the 1511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.68 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
83% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.91 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
91% of the 1509 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 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
85% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 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
3-Year Revenue Growth Rate 29.60
BOFI's 3-Year Revenue Growth Rate is ranked higher than
96% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.90 vs. BOFI: 29.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BOFI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -0.9  Med: 29.6 Max: 152.2
Current: 29.6
-0.9
152.2
3-Year EBITDA Growth Rate 37.00
BOFI's 3-Year EBITDA Growth Rate is ranked higher than
91% of the 1228 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. BOFI: 37.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BOFI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -3.8  Med: 28.1 Max: 60.1
Current: 37
-3.8
60.1
3-Year EPS without NRI Growth Rate 36.80
BOFI's 3-Year EPS without NRI Growth Rate is ranked higher than
90% of the 1184 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. BOFI: 36.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BOFI' s 3-Year EPS without NRI Growth Rate 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 2 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: 2017-04-30 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating 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:NAS:NWBI, NYSE:PFS, NYSE:FBC, NAS:CFFN, NYSE:AF, NAS:KRNY, NYSE:BHLB, NAS:EBSB, NAS:OCFC, NAS:UBNK, NAS:CASH, NAS:FFIC, NAS:DCOM, NAS:LOB, NAS:HMST, NAS:WAFD, NAS:HONE, NAS:WSBF, NAS:FDEF, 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
PE Ratio 14.08
BOFI's PE Ratio is ranked lower than
51% of the 1941 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. BOFI: 14.08 )
Ranked among companies with meaningful PE Ratio only.
BOFI' s PE Ratio Range Over the Past 10 Years
Min: 5.01  Med: 13.91 Max: 46.11
Current: 14.08
5.01
46.11
Forward PE Ratio 11.16
BOFI's Forward PE Ratio is ranked higher than
69% of the 526 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.33 vs. BOFI: 11.16 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.08
BOFI's PE Ratio without NRI is ranked higher than
52% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. BOFI: 14.08 )
Ranked among companies with meaningful PE Ratio without NRI only.
BOFI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.12  Med: 13.84 Max: 41.5
Current: 14.08
5.12
41.5
Price-to-Owner-Earnings 21.23
BOFI's Price-to-Owner-Earnings is ranked lower than
76% of the 905 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.04 vs. BOFI: 21.23 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BOFI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.08  Med: 13.6 Max: 830
Current: 21.23
0.08
830
PB Ratio 2.34
BOFI's PB Ratio is ranked lower than
91% of the 1810 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. BOFI: 2.34 )
Ranked among companies with meaningful PB Ratio only.
BOFI' s PB Ratio Range Over the Past 10 Years
Min: 0.45  Med: 1.17 Max: 4.49
Current: 2.34
0.45
4.49
PS Ratio 5.02
BOFI's PS Ratio is ranked lower than
79% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.32 vs. BOFI: 5.02 )
Ranked among companies with meaningful PS Ratio only.
BOFI' s PS Ratio Range Over the Past 10 Years
Min: 1.59  Med: 3.98 Max: 10.02
Current: 5.02
1.59
10.02
Price-to-Free-Cash-Flow 8.36
BOFI's Price-to-Free-Cash-Flow is ranked higher than
63% of the 1008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. BOFI: 8.36 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BOFI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.91  Med: 16.78 Max: 236.25
Current: 8.36
1.91
236.25
Price-to-Operating-Cash-Flow 7.96
BOFI's Price-to-Operating-Cash-Flow is ranked higher than
60% of the 1096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. BOFI: 7.96 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BOFI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.81  Med: 16.15 Max: 66.07
Current: 7.96
1.81
66.07
EV-to-EBIT 8.24
BOFI's EV-to-EBIT is ranked higher than
62% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.64 vs. BOFI: 8.24 )
Ranked among companies with meaningful EV-to-EBIT only.
BOFI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.8  Med: 15.85 Max: 172.6
Current: 8.24
5.8
172.6
EV-to-EBITDA 8.04
BOFI's EV-to-EBITDA is ranked higher than
60% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.00 vs. BOFI: 8.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
BOFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.7  Med: 15.45 Max: 246.2
Current: 8.04
5.7
246.2
PEG Ratio 0.43
BOFI's PEG Ratio is ranked higher than
87% of the 780 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.43 vs. BOFI: 0.43 )
Ranked among companies with meaningful PEG Ratio only.
BOFI' s PEG Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.32 Max: 1.15
Current: 0.43
0.13
1.15
Shiller PE Ratio 34.28
BOFI's Shiller PE Ratio is ranked lower than
81% of the 496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.63 vs. BOFI: 34.28 )
Ranked among companies with meaningful Shiller PE Ratio only.
BOFI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 22.81  Med: 38.18 Max: 61.88
Current: 34.28
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
65% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 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-to-Tangible-Book 2.37
BOFI's Price-to-Tangible-Book is ranked lower than
86% of the 1798 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. BOFI: 2.37 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BOFI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.55  Med: 1.17 Max: 3.65
Current: 2.37
0.55
3.65
Price-to-Intrinsic-Value-Projected-FCF 1.19
BOFI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
75% of the 1104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. BOFI: 1.19 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BOFI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.7  Med: 2.42 Max: 23.97
Current: 1.19
0.7
23.97
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.49
BOFI's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
76% of the 170 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. BOFI: 0.49 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.26
BOFI's Price-to-Median-PS-Value is ranked lower than
61% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. BOFI: 1.26 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BOFI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.45  Med: 1.15 Max: 3.75
Current: 1.26
0.45
3.75
Price-to-Peter-Lynch-Fair-Value 0.56
BOFI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
86% of the 533 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. BOFI: 0.56 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
BOFI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.21  Med: 0.47 Max: 0.98
Current: 0.56
0.21
0.98
Price-to-Graham-Number 1.22
BOFI's Price-to-Graham-Number is ranked lower than
71% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. BOFI: 1.22 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BOFI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 0.89 Max: 1.99
Current: 1.22
0.47
1.99
Earnings Yield (Greenblatt) % 12.10
BOFI's Earnings Yield (Greenblatt) % is ranked higher than
71% of the 2086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.41 vs. BOFI: 12.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BOFI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 6.3 Max: 17.2
Current: 12.1
0.6
17.2
Forward Rate of Return (Yacktman) % 36.02
BOFI's Forward Rate of Return (Yacktman) % is ranked higher than
87% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 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: 34.1 Max: 56.1
Current: 36.02
1
56.1

More Statistics

Revenue (TTM) (Mil) $356.6
EPS (TTM) $ 1.97
Beta0.07
Short Percentage of Float34.18%
52-Week Range $15.29 - 32.57
Shares Outstanding (Mil)63.36

Analyst Estimate

Jun17 Jun18 Jun19
Revenue (Mil $) 384 453
EPS ($) 2.12 2.46 2.91
EPS without NRI ($) 2.12 2.46 2.91
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)
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More From Other Websites
BOFI HOLDING, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Mar 24 2017
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The Zacks Industry Rank Highlights: Zions Bancorporation, Umpqua Holdings and Bofi Holding Mar 02 2017
Landing Bank Values Out West? Feb 28 2017
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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Does BofI Holding Offer a Great Value Buying Opportunity Now? Feb 07 2017
ETFs with exposure to BofI Holding, Inc. : February 6, 2017 Feb 06 2017
BOFI HOLDING, INC. Financials Feb 03 2017
Post Earnings Coverage as New York Community Bancorp Reported Q4 and Full-Year FY16 Results Feb 03 2017
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

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