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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.22
DRL's Cash to Debt is ranked higher than
56% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. DRL: 0.22 )
DRL' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.52
Current: 0.22

0.02
0.52
Equity to Asset 0.09
DRL's Equity to Asset is ranked higher than
68% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. DRL: 0.09 )
DRL' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.15
Current: 0.09

0.07
0.15
F-Score: 4
Z-Score: -0.08
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 : 4/10

vs
industry
vs
history
Operating margin (%) -29.44
DRL's Operating margin (%) is ranked lower than
53% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. DRL: -29.44 )
DRL' s 10-Year Operating margin (%) Range
Min: -322.95   Max: 70.05
Current: -29.44

-322.95
70.05
Net-margin (%) -29.62
DRL's Net-margin (%) is ranked lower than
53% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. DRL: -29.62 )
DRL' s 10-Year Net-margin (%) Range
Min: -199.21   Max: 68.36
Current: -29.62

-199.21
68.36
ROE (%) -11.05
DRL's ROE (%) is ranked lower than
52% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. DRL: -11.05 )
DRL' s 10-Year ROE (%) Range
Min: -33.6   Max: 27.47
Current: -11.05

-33.6
27.47
ROA (%) -1.04
DRL's ROA (%) is ranked lower than
52% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. DRL: -1.04 )
DRL' s 10-Year ROA (%) Range
Min: -3.27   Max: 3.84
Current: -1.04

-3.27
3.84
ROC (Joel Greenblatt) (%) -95.10
DRL's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. DRL: -95.10 )
DRL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -247.03   Max: 673.85
Current: -95.1

-247.03
673.85
Revenue Growth (%) 12.60
DRL's Revenue Growth (%) is ranked higher than
93% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. DRL: 12.60 )
DRL' s 10-Year Revenue Growth (%) Range
Min: -70.2   Max: 37.8
Current: 12.6

-70.2
37.8
EBITDA Growth (%) -41.30
DRL's EBITDA Growth (%) is ranked higher than
53% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. DRL: -41.30 )
DRL' s 10-Year EBITDA Growth (%) Range
Min: -84.1   Max: 53
Current: -41.3

-84.1
53
EPS Growth (%) -36.90
DRL's EPS Growth (%) is ranked higher than
54% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. DRL: -36.90 )
DRL' s 10-Year EPS Growth (%) Range
Min: -74.3   Max: 41.6
Current: -36.9

-74.3
41.6
» DRL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

DRL Guru Trades in Q4 2013

Chuck Royce Sold Out
Arnold Schneider Sold Out
Jim Simons 27,270 sh (-66.72%)
» More
Q1 2014

DRL Guru Trades in Q1 2014

Jim Simons 67,769 sh (+148.51%)
» More
Q2 2014

DRL Guru Trades in Q2 2014

George Soros 28,900 sh (New)
Jim Simons Sold Out
» More
Q3 2014

DRL Guru Trades in Q3 2014

George Soros Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with DRL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2014-09-30 Sold Out $4.7 - $8.39 $ 5.3-18%0
George Soros 2014-06-30 New Buy$1.9 - $10.81 $ 5.3-8%28900
Arnold Schneider 2013-12-31 Sold Out 0.05%$15.49 - $19.59 $ 5.3-69%0
Arnold Schneider 2013-09-30 Reduce -77.02%0.14%$16.11 - $24.76 $ 5.3-76%25963
Arnold Schneider 2013-06-30 Reduce -29.4%0.06%$14.02 - $23.2 $ 5.3-70%2259720
Arnold Schneider 2012-12-31 Add 782.23%0.17%$11.4 - $20.4 $ 5.3-67%2827445
Arnold Schneider 2012-09-30 New Buy0.03%$18.8 - $31 $ 5.3-79%320490
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Doral Financial Corp

SymbolPriceYieldDescription
DORLO8.000.00Preferred Shares Series -B-
DORLN8.003.207 1/4 % Monthly Income Preferred Secs 2002-Without Fixed Maturity Series -C-
DORLP16.000.00Preferred Shares Series -A-

Ratios

vs
industry
vs
history
P/B 0.09
DRL's P/B is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. DRL: 0.09 )
DRL' s 10-Year P/B Range
Min: 0.04   Max: 6.75
Current: 0.09

0.04
6.75
P/S 0.12
DRL's P/S is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. DRL: 0.12 )
DRL' s 10-Year P/S Range
Min: 0.06   Max: 8.44
Current: 0.12

0.06
8.44
PFCF 0.19
DRL's PFCF is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. DRL: 0.19 )
DRL' s 10-Year PFCF Range
Min: 0.04   Max: 12.87
Current: 0.19

0.04
12.87
EV-to-EBIT -26.14
DRL's EV-to-EBIT is ranked higher than
50% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. DRL: -26.14 )
DRL' s 10-Year EV-to-EBIT Range
Min: -253.2   Max: 877.5
Current: -26.14

-253.2
877.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.09
DRL's Price/Tangible Book is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. DRL: 0.09 )
DRL' s 10-Year Price/Tangible Book Range
Min: 0.19   Max: 3.8
Current: 0.09

0.19
3.8
Price/DCF (Projected) 0.01
DRL's Price/DCF (Projected) is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. DRL: 0.01 )
DRL' s 10-Year Price/DCF (Projected) Range
Min: 0.02   Max: 0.42
Current: 0.01

0.02
0.42
Price/Median PS Value 0.13
DRL's Price/Median PS Value is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. DRL: 0.13 )
DRL' s 10-Year Price/Median PS Value Range
Min: 0.33   Max: 8.29
Current: 0.13

0.33
8.29
Earnings Yield (Greenblatt) -3.80
DRL's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. DRL: -3.80 )
DRL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 7.6
Current: -3.8

0.1
7.6
Forward Rate of Return (Yacktman) 903.93
DRL's Forward Rate of Return (Yacktman) is ranked higher than
100% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. DRL: 903.93 )
DRL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -191.4   Max: 16671.8
Current: 903.93

-191.4
16671.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:HKXCY, WU, ASXFY, CIT, KFN » details
Traded in other countries:DORLO.USA, DORLN.USA, DORLP.USA, DF1B.Germany
Doral Financial Corp was organized in 1972 under the laws of the Commonwealth of Puerto Rico and operates as a bank holding company. Doral Financial's principal operations are conducted in Puerto Rico, with growing operations in the United States, specifically in the New York City metropolitan area, a well as in northwest and south Florida. The Company operates in five reportable segments, which are: Puerto Rico Growth, United States, Recovery, Treasury and Corporate. United States segment is the Company's principal source of growth and future focus in the current economic environment. It includes retail banking in the United States through Doral Bank U.S. operations ("Doral Bank US"), a division of Doral Bank, with 8 branches in New York and Florida, and Doral Money, which engages in commercial and construction lending in the New York City metropolitan area. This segment also includes the Company's middle market syndicated lending unit that is engaged in purchasing assigned interests in senior credit facilities in the U.S. syndicated leverage loan market. Approximately 44.9% of the United States segment loan portfolio is secured by real estate. Puerto Rico Growth segment is the Company's principal market. Through its banking subsidiary, Doral Bank, Doral Financial accepts deposits from the general public and institutions, originates and invests in loans (primarily residential real estate mortgage loans), and offers traditional banking services on the island of Puerto Rico. Approximately 98.6% of the Puerto Rico Growth segment loan portfolio is secured by real estate. Residential mortgage loans are originated through Doral Mortgage, which is primarily engaged in the origination of mortgage loans on behalf of Doral Bank's Puerto Rico Growth operations. Residential mortgage loan originations are also supplemented by wholesale loan purchases from third parties. The renamed Recovery segment (formerly Liquidating Operations segment) now holds certain distressed and non-performing assets related to borrowers on the island of Puerto Rico, such as residential loans and foreclosed real estate. The Recovery's segment strategy now involves maximizing the benefit of the assets it holds to the Company either by modifying its loans or liquidating its assets. Approximately 93.8% of the Recovery segment loan portfolio is secured by real estate. The Company's Treasury function administers the investment securities portfolio, interest rate risk management and liquidity position. It also serves as a source of funding for the Company's other lines of business. The Corporate segment includes expenses and assets assigned to the Company's areas that provide support to the other business segments described above, which include finance, risk, human resources, regulatory affairs, legal and information technology. The Company faces competition not only from local commercial banks and credit unions, but also from banking affiliates of banks headquartered in
» More Articles for DRL

Headlines

Articles On GuruFocus.com
George Soros Had A Mixed Day On The Market Oct 30 2014 
Doral Financial Corporation Provides Update on Status of Its Capital Plan Oct 15 2014 
Doral Financial Corp (DRL) Skyrockets with Unusual Market Activity, RadNet Inc (RDNT) Soars on Resul May 12 2014 
Weekly CEO Buys Highlight: CKH, UTHR, DRL, VAC, DENN Dec 23 2011 
DORAL FINANCIAL CORP. Reports Operating Results (10-K) Mar 09 2011 
DORAL FINANCIAL CORP. Reports Operating Results (10-Q) Aug 09 2010 

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Why Doral Financial (DRL) Stock Is Soaring Today Oct 13 2014
Doral shares soar on favorable court ruling on tax dispute with Puerto Rico Oct 13 2014
Judge rules for Doral in tax dispute with Puerto Rico Oct 10 2014
Doral Financial shares jump after Puerto Rico ruling Oct 10 2014
Puerto Rico court rules for bank in $230M tax case Oct 10 2014
Puerto Rico court rules for bank in $230M tax case Oct 10 2014
Doral Wins Order for $229 Million Puerto Rico Tax Refund Oct 10 2014
Judge rules for Doral in $229 mln tax dispute with Puerto Rico Treasury Dept Oct 10 2014
Doral CFO Hooston Placed on Leave as Reinhard Takes Over Post Oct 07 2014
DORAL FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Oct 07 2014
DORAL FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Completion of... Oct 03 2014
[$$] Small Bank Aims Big Guns at Puerto Rico Oct 01 2014
DORAL FINANCIAL CORP Files SEC form 8-K, Other Events Oct 01 2014
Doral ruling in $229 mln dispute not expected before Oct. 8-judge Oct 01 2014
Doral Bank Called ‘Significantly Undercapitalized’ by FDIC Oct 01 2014

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