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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 1.04
NAS:BOFI's Cash-to-Debt is ranked lower than
63% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. NAS:BOFI: 1.04 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:BOFI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.07 Max: N/A
Current: 1.04
Equity-to-Asset 0.09
NAS:BOFI's Equity-to-Asset is ranked lower than
60% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:BOFI: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS: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 15.78
NAS:BOFI's Interest Coverage is ranked higher than
91% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. NAS:BOFI: 15.78 )
Ranked among companies with meaningful Interest Coverage only.
NAS:BOFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 1.2 Max: 15.78
Current: 15.78
0.15
15.78
Beneish M-Score: -2.64
WACC vs ROIC
3.09%
16.26%
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 % 60.75
NAS:BOFI's Operating Margin % is ranked higher than
91% of the 1666 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. NAS:BOFI: 60.75 )
Ranked among companies with meaningful Operating Margin % only.
NAS:BOFI' s Operating Margin % Range Over the Past 10 Years
Min: 36.14  Med: 52.29 Max: 62.59
Current: 60.75
36.14
62.59
Net Margin % 35.13
NAS:BOFI's Net Margin % is ranked higher than
78% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.77 vs. NAS:BOFI: 35.13 )
Ranked among companies with meaningful Net Margin % only.
NAS:BOFI' s Net Margin % Range Over the Past 10 Years
Min: 21.63  Med: 31.05 Max: 36.44
Current: 35.13
21.63
36.44
ROE % 18.21
NAS:BOFI's ROE % is ranked higher than
88% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.51 vs. NAS:BOFI: 18.21 )
Ranked among companies with meaningful ROE % only.
NAS:BOFI' s ROE % Range Over the Past 10 Years
Min: 4.21  Med: 16.27 Max: 19.55
Current: 18.21
4.21
19.55
ROA % 1.65
NAS:BOFI's ROA % is ranked higher than
81% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. NAS:BOFI: 1.65 )
Ranked among companies with meaningful ROA % only.
NAS:BOFI' s ROA % Range Over the Past 10 Years
Min: 0.39  Med: 1.42 Max: 1.78
Current: 1.65
0.39
1.78
3-Year Revenue Growth Rate 29.60
NAS:BOFI's 3-Year Revenue Growth Rate is ranked higher than
95% of the 1400 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. NAS:BOFI: 29.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS: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
NAS:BOFI's 3-Year EBITDA Growth Rate is ranked higher than
93% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. NAS:BOFI: 37.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS: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
NAS:BOFI's 3-Year EPS without NRI Growth Rate is ranked higher than
91% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NAS:BOFI: 36.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS: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 3 Warning Signs with BofI Holding Inc $NAS:BOFI.
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» NAS:BOFI's 30-Y Financials

Financials (Next Earnings Date: 2017-10-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:NWBI, NYSE:PFS, NAS:KRNY, NYSE:FBC, NAS:CFFN, NYSE:AF, NAS:EBSB, NAS:OCFC, NAS:UBNK, NAS:LOB, NAS:CASH, NAS:FFIC, NAS:HMST, NAS:DCOM, NAS:HONE, NAS:WSBF, NAS:FDEF, NAS:EBTC, NAS:BKMU, NAS:UCFC » details
Traded in other countries:BB4.Germany,
Headquarter Location:USA
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 is a bank holding company. The company operates through its bank subsidiary, BofI Federal Bank, a nationwide bank that primarily provides financing for single and multifamily residential properties, small to medium-size businesses in certain sectors, and selected specialty finance receivables. The bank distributed its products through a wide range of retail distribution channels, including only banking brands, affinity groups, and sales teams, among others. The majority of the bank's mortgage exposure is titled toward the state of California, particularly its southern region. Net interest income is a majority of the bank's revenue.

Top Ranked Articles about BofI Holding Inc

DEADLINE ALERT: Brower Piven Reminds Investors Of The Upcoming Deadline In Class Action Lawsuit And Encourages Investors With Losses In Excess of $100,000 From Investment In BofI Holding, Inc. (Nasdaq: BOFI) To Contact The Firm
DEADLINE ALERT - Bronstein, Gewirtz & Grossman, LLC Reminds Investors of Class Action Against BofI Holding, Inc. (BOFI) & Lead Plaintiff Deadline: June 2, 2017
The Klein Law Firm Reminds Investors of a Class Action Filed on Behalf of BofI Holding, Inc. Shareholders and a Lead Plaintiff Deadline of June 2, 2017
BOFI INVESTOR ALERT: The Law Offices of Vincent Wong Reminds Investors of a Class Action Involving BofI Holding, Inc. and a Lead Plaintiff Deadline of June 2, 2017
Lifshitz & Miller LLP Announces Investigation of Bingo Nation Inc., BofI Holding, Inc., Corbus Pharmaceuticals Holdings, Inc., Lion Biotechnologies, Inc., NewLink Genetics Corporation, Power Solutions International, Inc., Walter Investment Management Corp
EQUITY ALERT: Rosen Law Firm Announces Filing of Securities Class Action Lawsuit Against BofI Holding, Inc. – BOFI
EQUITY ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against BofI Holding, Inc. and Encourages Investors with Losses to Contact the Firm
SHAREHOLDER ALERT: Brower Piven Encourages Investors Who Have Losses In Excess Of $100,000 From Investment In BofI Holding, Inc. (Nasdaq: BOFI) To Contact Brower Piven Before The Lead Plaintiff Deadline In Class Action Lawsuit
IMPORTANT SHAREHOLDER ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against BofI Holding, Inc. and Reminds Investors with Losses to Contact the Firm
SHAREHOLDER ALERT: Bronstein, Gewirtz & Grossman, LLC Reminds Investors of Class Action Against BofI Holding, Inc. (BOFI) & Lead Plaintiff Deadline – June 2, 2017

Ratios

vs
industry
vs
history
PE Ratio 11.65
NAS:BOFI's PE Ratio is ranked higher than
67% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. NAS:BOFI: 11.65 )
Ranked among companies with meaningful PE Ratio only.
NAS:BOFI' s PE Ratio Range Over the Past 10 Years
Min: 5.01  Med: 13.09 Max: 46.11
Current: 11.65
5.01
46.11
Forward PE Ratio 9.89
NAS:BOFI's Forward PE Ratio is ranked higher than
88% of the 384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.67 vs. NAS:BOFI: 9.89 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 11.65
NAS:BOFI's PE Ratio without NRI is ranked higher than
67% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. NAS:BOFI: 11.65 )
Ranked among companies with meaningful PE Ratio without NRI only.
NAS:BOFI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.12  Med: 12.85 Max: 41.5
Current: 11.65
5.12
41.5
Price-to-Owner-Earnings 16.38
NAS:BOFI's Price-to-Owner-Earnings is ranked lower than
58% of the 906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.97 vs. NAS:BOFI: 16.38 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NAS:BOFI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.08  Med: 14.55 Max: 830
Current: 16.38
0.08
830
PB Ratio 1.91
NAS:BOFI's PB Ratio is ranked lower than
81% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. NAS:BOFI: 1.91 )
Ranked among companies with meaningful PB Ratio only.
NAS:BOFI' s PB Ratio Range Over the Past 10 Years
Min: 0.45  Med: 1.2 Max: 4.49
Current: 1.91
0.45
4.49
PS Ratio 4.11
NAS:BOFI's PS Ratio is ranked lower than
61% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.37 vs. NAS:BOFI: 4.11 )
Ranked among companies with meaningful PS Ratio only.
NAS:BOFI' s PS Ratio Range Over the Past 10 Years
Min: 1.58  Med: 3.99 Max: 10.1
Current: 4.11
1.58
10.1
Price-to-Free-Cash-Flow 5.75
NAS:BOFI's Price-to-Free-Cash-Flow is ranked higher than
70% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. NAS:BOFI: 5.75 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NAS:BOFI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.89  Med: 15.59 Max: 114.55
Current: 5.75
1.89
114.55
Price-to-Operating-Cash-Flow 5.55
NAS:BOFI's Price-to-Operating-Cash-Flow is ranked higher than
68% of the 959 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.18 vs. NAS:BOFI: 5.55 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NAS:BOFI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.8  Med: 15.12 Max: 70
Current: 5.55
1.8
70
EV-to-EBIT 6.47
NAS:BOFI's EV-to-EBIT is ranked higher than
74% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. NAS:BOFI: 6.47 )
Ranked among companies with meaningful EV-to-EBIT only.
NAS:BOFI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.8  Med: 15.45 Max: 172.6
Current: 6.47
5.8
172.6
EV-to-EBITDA 6.31
NAS:BOFI's EV-to-EBITDA is ranked higher than
73% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.93 vs. NAS:BOFI: 6.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAS:BOFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.7  Med: 15.1 Max: 246.2
Current: 6.31
5.7
246.2
PEG Ratio 0.35
NAS:BOFI's PEG Ratio is ranked higher than
89% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. NAS:BOFI: 0.35 )
Ranked among companies with meaningful PEG Ratio only.
NAS:BOFI' s PEG Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.31 Max: 1.16
Current: 0.35
0.13
1.16
Shiller PE Ratio 26.98
NAS:BOFI's Shiller PE Ratio is ranked lower than
67% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.16 vs. NAS:BOFI: 26.98 )
Ranked among companies with meaningful Shiller PE Ratio only.
NAS:BOFI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 22.81  Med: 35.9 Max: 61.98
Current: 26.98
22.81
61.98

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -4.80
NAS:BOFI's 3-Year Average Share Buyback Ratio is ranked lower than
63% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. NAS:BOFI: -4.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NAS: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 1.91
NAS:BOFI's Price-to-Tangible-Book is ranked lower than
74% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. NAS:BOFI: 1.91 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NAS:BOFI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.55  Med: 1.17 Max: 3.65
Current: 1.91
0.55
3.65
Price-to-Intrinsic-Value-Projected-FCF 0.90
NAS:BOFI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
59% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. NAS:BOFI: 0.90 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NAS:BOFI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.7  Med: 2.1 Max: 23.97
Current: 0.9
0.7
23.97
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.41
NAS:BOFI's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
84% of the 145 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. NAS:BOFI: 0.41 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.03
NAS:BOFI's Price-to-Median-PS-Value is ranked higher than
66% of the 1561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. NAS:BOFI: 1.03 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NAS:BOFI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.45  Med: 1.13 Max: 3.75
Current: 1.03
0.45
3.75
Price-to-Peter-Lynch-Fair-Value 0.47
NAS:BOFI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
89% of the 464 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. NAS:BOFI: 0.47 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
NAS:BOFI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.21  Med: 0.47 Max: 0.97
Current: 0.47
0.21
0.97
Price-to-Graham-Number 1.00
NAS:BOFI's Price-to-Graham-Number is ranked lower than
51% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. NAS:BOFI: 1.00 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NAS:BOFI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 0.9 Max: 1.99
Current: 1
0.47
1.99
Earnings Yield (Greenblatt) % 15.46
NAS:BOFI's Earnings Yield (Greenblatt) % is ranked higher than
80% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.85 vs. NAS:BOFI: 15.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NAS:BOFI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 6.5 Max: 17.2
Current: 15.46
0.6
17.2
Forward Rate of Return (Yacktman) % 38.89
NAS:BOFI's Forward Rate of Return (Yacktman) % is ranked higher than
88% of the 955 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.14 vs. NAS:BOFI: 38.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
NAS:BOFI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 1  Med: 35.05 Max: 55.3
Current: 38.89
1
55.3

More Statistics

Revenue (TTM) (Mil) $375.47
EPS (TTM) $ 2.04
Beta0.05
Short Percentage of Float42.99%
52-Week Range $15.29 - 32.57
Shares Outstanding (Mil)63.39

Analyst Estimate

Jun17 Jun18 Jun19
Revenue (Mil $) 386 440
EPS ($) 2.10 2.42 2.86
EPS without NRI ($) 2.10 2.42 2.86
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)

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