Switch to:

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 0.22
BOFI's Cash to Debt is ranked higher than
54% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. BOFI: 0.22 )
BOFI' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.22

Equity to Asset 0.09
BOFI's Equity to Asset is ranked higher than
70% of the 1649 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 2.00
BOFI's Interest Coverage is ranked higher than
76% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. BOFI: 2.00 )
BOFI' s 10-Year Interest Coverage Range
Min: 0.15   Max: 2
Current: 2

0.15
2
F-Score: 5
Z-Score: 0.32
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 (%) 52.73
BOFI's Operating margin (%) is ranked higher than
95% of the 1594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.40 vs. BOFI: 52.73 )
BOFI' s 10-Year Operating margin (%) Range
Min: 36.14   Max: 60.88
Current: 52.73

36.14
60.88
Net-margin (%) 31.15
BOFI's Net-margin (%) is ranked higher than
88% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. BOFI: 31.15 )
BOFI' s 10-Year Net-margin (%) Range
Min: -89.13   Max: 35.85
Current: 31.15

-89.13
35.85
ROE (%) 15.02
BOFI's ROE (%) is ranked higher than
94% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. BOFI: 15.02 )
BOFI' s 10-Year ROE (%) Range
Min: -9.09   Max: 16.28
Current: 15.02

-9.09
16.28
ROA (%) 1.30
BOFI's ROA (%) is ranked higher than
91% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. BOFI: 1.30 )
BOFI' s 10-Year ROA (%) Range
Min: -0.69   Max: 1.49
Current: 1.3

-0.69
1.49
ROC (Joel Greenblatt) (%) 1062.65
BOFI's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.85 vs. BOFI: 1062.65 )
BOFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 22.28   Max: 5777.29
Current: 1062.65

22.28
5777.29
Revenue Growth (%) 14.30
BOFI's Revenue Growth (%) is ranked higher than
94% of the 1443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. BOFI: 14.30 )
BOFI' s 10-Year Revenue Growth (%) Range
Min: -0.9   Max: 64.9
Current: 14.3

-0.9
64.9
EBITDA Growth (%) 9.70
BOFI's EBITDA Growth (%) is ranked higher than
77% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. BOFI: 9.70 )
BOFI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 59.9
Current: 9.7

0
59.9
EPS Growth (%) 9.50
BOFI's EPS Growth (%) is ranked higher than
75% of the 1283 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. BOFI: 9.50 )
BOFI' s 10-Year EPS Growth (%) Range
Min: -2.6   Max: 82.3
Current: 9.5

-2.6
82.3
» BOFI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

BOFI Guru Trades in Q2 2013

Jim Simons 604,300 sh (+15.72%)
Chuck Royce 363,300 sh (-15.88%)
» More
Q3 2013

BOFI Guru Trades in Q3 2013

Jim Simons 761,100 sh (+25.95%)
Chuck Royce 152,200 sh (-58.11%)
» More
Q4 2013

BOFI Guru Trades in Q4 2013

Paul Tudor Jones 3,695 sh (New)
Jim Simons 744,500 sh (-2.18%)
Chuck Royce 36,262 sh (-76.17%)
» More
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
» 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 Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 21.20
BOFI's P/E(ttm) is ranked higher than
63% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. BOFI: 21.20 )
BOFI' s 10-Year P/E(ttm) Range
Min: 5.06   Max: 54.76
Current: 21.2

5.06
54.76
P/B 3.10
BOFI's P/B is ranked higher than
52% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. BOFI: 3.10 )
BOFI' s 10-Year P/B Range
Min: 0.45   Max: 4.49
Current: 3.1

0.45
4.49
P/S 7.20
BOFI's P/S is ranked higher than
50% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. BOFI: 7.20 )
BOFI' s 10-Year P/S Range
Min: 1.59   Max: 15.33
Current: 7.2

1.59
15.33
PFCF 10.80
BOFI's PFCF is ranked higher than
75% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 26.04 vs. BOFI: 10.80 )
BOFI' s 10-Year PFCF Range
Min: 1.89   Max: 125.83
Current: 10.8

1.89
125.83
EV-to-EBIT 17.63
BOFI's EV-to-EBIT is ranked higher than
71% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.36 vs. BOFI: 17.63 )
BOFI' s 10-Year EV-to-EBIT Range
Min: 8.6   Max: 172.6
Current: 17.63

8.6
172.6
PEG 0.70
BOFI's PEG is ranked higher than
90% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. BOFI: 0.70 )
BOFI' s 10-Year PEG Range
Min: 0.12   Max: 1.45
Current: 0.7

0.12
1.45
Shiller P/E 33.00
BOFI's Shiller P/E is ranked higher than
77% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.15 vs. BOFI: 33.00 )
BOFI' s 10-Year Shiller P/E Range
Min: 11.25   Max: 46.7
Current: 33

11.25
46.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.20
BOFI's Price/Tangible Book is ranked higher than
53% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. BOFI: 3.20 )
BOFI' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 3.65
Current: 3.2

0.55
3.65
Price/DCF (Projected) 3.90
BOFI's Price/DCF (Projected) is ranked higher than
68% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. BOFI: 3.90 )
BOFI' s 10-Year Price/DCF (Projected) Range
Min: 0.69   Max: 153.24
Current: 3.9

0.69
153.24
Price/Median PS Value 2.00
BOFI's Price/Median PS Value is ranked higher than
53% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. BOFI: 2.00 )
BOFI' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 4.27
Current: 2

0.51
4.27
Price/Peter Lynch Fair Value 1.00
BOFI's Price/Peter Lynch Fair Value is ranked higher than
91% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. BOFI: 1.00 )
BOFI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.21   Max: 1.18
Current: 1

0.21
1.18
Price/Graham Number 1.70
BOFI's Price/Graham Number is ranked higher than
59% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. BOFI: 1.70 )
BOFI' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 1.95
Current: 1.7

0.41
1.95
Earnings Yield (Greenblatt) 5.70
BOFI's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. BOFI: 5.70 )
BOFI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 11.6
Current: 5.7

0.6
11.6
Forward Rate of Return (Yacktman) 18.90
BOFI's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.98 vs. BOFI: 18.90 )
BOFI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 18.5   Max: 60.8
Current: 18.9

18.5
60.8

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. 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.
» More Articles for BOFI

Headlines

Articles On GuruFocus.com
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 
comment on BOFI Mar 11 2013 
difference in price Mar 11 2013 
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 

More From Other Websites
BOFI HOLDING, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 29 2014
BofI Holding, Inc. Announces the Completion of Its First $50 Million At-the-Market Common Stock... Jul 22 2014
BofI Holding, Inc. Announces the Completion of Its First $50 Million At-the-Market Common Stock... Jul 22 2014
BOFI HOLDING, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Termination of a... Jul 22 2014
BofI Holding files to sell $50M in common stock Jul 22 2014
BOFI HOLDING, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 14 2014
Northeast Midcap Banks on the Prowl to Steal Market Share from Large-Caps: A Wall Street Transcript... Jul 11 2014
BofI Holding, Inc. to Announce Fourth Quarter and Year-End Results on August 7, 2014 Jul 09 2014
BofI Holding, Inc. to Announce Fourth Quarter and Year-End Results on August 7, 2014 Jul 09 2014
Balanced View on Zions Jun 12 2014
Balanced View on Morgan Stanley Jun 12 2014
Updated Research Report on Fifth Third Jun 12 2014

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?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

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