Ratios

		vs industry	vs history
P/B	0.17	DRL's P/B is ranked higher than 99% of the 811 Companies in the Global Specialty Finance industry. ( Industry Median: 0.90 vs. DRL: 0.17 )	DRL' s 10-Year P/B Range Min: 0.08   Max: 3.72 Current: 0.17 0.08 3.72
P/S	0.44	DRL's P/S is ranked higher than 96% of the 811 Companies in the Global Specialty Finance industry. ( Industry Median: 2.20 vs. DRL: 0.44 )	DRL' s 10-Year P/S Range Min: 0.23   Max: 8.44 Current: 0.44 0.23 8.44
PFCF	0.72	DRL's PFCF is ranked higher than 98% of the 811 Companies in the Global Specialty Finance industry. ( Industry Median: 6.70 vs. DRL: 0.72 )	DRL' s 10-Year PFCF Range Min: 0.04   Max: 11.54 Current: 0.72 0.04 11.54
EV-to-EBIT	-28.4	DRL's EV-to-EBIT is ranked lower than 77% of the 811 Companies in the Global Specialty Finance industry. ( Industry Median: 16.90 vs. DRL: -28.4 )	DRL' s 10-Year EV-to-EBIT Range Min: 13.1   Max: 877.5 Current: -28.4 13.1 877.5
Shiller P/E	0.3	DRL's Shiller P/E is ranked higher than 99% of the 811 Companies in the Global Specialty Finance industry. ( Industry Median: 14.60 vs. DRL: 0.3 )	DRL' s 10-Year Shiller P/E Range Min: 0.2   Max: 25.12 Current: 0.3 0.2 25.12

Valuation & Return

		vs industry	vs history
Price/Tangible Book	0.2	DRL's Price/Tangible Book is ranked lower than 73% of the 811 Companies in the Global Specialty Finance industry. ( Industry Median: 1.00 vs. DRL: 0.2 )	DRL' s 10-Year Price/Tangible Book Range Min: 0.1   Max: 2.9 Current: 0.2 0.1 2.9
Price/Median PS Value	0.2	DRL's Price/Median PS Value is ranked lower than 71% of the 811 Companies in the Global Specialty Finance industry. ( Industry Median: 0.80 vs. DRL: 0.2 )	DRL' s 10-Year Price/Median PS Value Range Min: 0.1   Max: 3 Current: 0.2 0.1 3
Earnings Yield (Greenblatt)	0.10	DRL's Earnings Yield (Greenblatt) is ranked lower than 63% of the 811 Companies in the Global Specialty Finance industry. ( Industry Median: 5.80 vs. DRL: 0.10 )	DRL' s 10-Year Earnings Yield (Greenblatt) Range Min: 0.1   Max: 7.7 Current: 0.1 0.1 7.7
Forward Rate of Return (Yacktman)	175	DRL's Forward Rate of Return (Yacktman) is ranked lower than 86% of the 811 Companies in the Global Specialty Finance industry. ( Industry Median: 15.01 vs. DRL: 175 )	DRL' s 10-Year Forward Rate of Return (Yacktman) Range Min: -36.2   Max: 3612.7 Current: 175 -36.2 3612.7

Business Description

Doral Financial Corporation or Doral Financial was organized in 1972 under the laws of the Commonwealth of Puerto Rico and operates as a bank holding company. The Company's operations are mainly conducted in Puerto Rico. Doral Financial manages its business through four operating segments that are organized by legal entity and aggregated by line of business: banking, mortgage banking, insurance agency and institutional securities. Through its main banking subsidiary, Doral Bank, a Puerto Rico commercial bank or Doral Bank PR, Doral Financial accepts deposits from the general public and institutions, obtains borrowings, originates and invests in loans, invests in mortgage-backed securities as well as in other investment securities, and offers traditional banking services. Doral Bank PR operates 35 branch offices in Puerto Rico. Loans are mainly originated through the branch office network and centralized loan departments. Internal mortgage loan originations are also supplemented by wholesale loan purchases from third parties. This segment also includes the operations conducted through Doral Bank PR's subsidiaries, Doral Money, Inc., which engages in commercial and construction lending in the New York City metropolitan area, and CB, LLC, a Puerto Rico limited liability company organized in connection with the receipt, in lieu of foreclosure, of the real property securing an interim construction loan. This segment relates to the business activities of the holding company. Prior to 2007, the holding company and several of its subsidiaries were engaged in mortgage originations, securitization and related activities. As part of its business transformation effort, Doral Financial transferred its mortgage origination and servicing platforms, subject to certain exclusions, to Doral Bank PR. The Company's mortgage origination business is now conducted by Doral Mortgage, a wholly-owned subsidiary of Doral Bank PR, and the Company's mortgage servicing business is operated by Doral Bank PR. Prior to July 2007, the origination of residential mortgage loans and the servicing of these loans was mainly conducted through an operating division of the holding company and a number of mortgage banking subsidiaries of the holding company. Doral Financial through its wholly-owned subsidiary, Doral Insurance Agency, Inc., offers property, casualty, life and title insurance as an insurance agency, mainly to its mortgage loan customers. Doral Bank PR's strategy is to combine service with an improved sales process to capture new clients and cross-sell additional products and provide solutions to existing clients. Doral Bank PR also provides consumer credit and personal secured loans. At December 31, 2009, consumer loans totaled $73.9 million, or 1.4% of its gross loans receivable portfolio. Doral Bank PR offers open-ended leases pursuant to which the lessee is responsible for the residual value of the leased unit. Under current market conditions in Puerto R
Company Website

Industry:	Specialty Finance
Compare:	HKXCY, WU, ASXFY, CIT, KFN
Traded in other countries:	DORLO.USA, DORLN.USA, DORLP.USA, DF1A.Germany

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