BofI Holding Cash Flow - Annual (NASDAQ:BOFI)

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$21.48 $0.26 (1.2%) BOFI stock closing price Oct 26, 2016 (Closing)

The financial analysis of BOFI requires an investor to check the cash flows for BofI Holding. While its important to look at the BofI Holding debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as BofI Holding revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. The cash flow statement is essetial while conducting the BofI Holding cash flow analysis and can be used to measure the operating performance of BofI Holding compared to various industry peers like COLB stock and CVBF stock. BofI Holding has a positive cash and cash equivalents change of $263.85M. View details of BofI Holding cash flows for latest & last ten financial years.

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Fiscal year is Jul - Jun. 2016 2015 2014 2013 2012 2011 2010 2009 2008
BofI Holding Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow0.47M-2.27M-8.11M-9.22M-11.81M-19.9M-27.65M-15.45M0.3M
Net Increase (Decrease) in Assets Liabilities78.89M30.19M-30.78M-20.85M-86.06M-4.87M-4.79M-13.89M5.03M
Cash From (used in) Discontinued Operations---------
Other Adjustments Net11.97M5.49M4.26M5.54M12.12M8.31M-3.68M12.06M-0.14M
BofI Holding Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment-10.23M-5.11M-3.16M-3.91M-2.57M-3.15M-0.42M-0.21M-0.28M
Acquisition Disposition of Subsidiaires---------
Increase (Decrease) in Investments-57.26M56.12M-9.96M4.27M34.82M58.81M88.57M-106M-270.44M
Other Cash Inflow (Outflow) from Investment Activities-1.52B-1.43B-1.31B-511.93M-362.2M-566.85M-160.07M7.28M-
BofI Holding Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares21.27M76.76M42.07M25.56M33.55M0.92M16.88M0.01M3.84M
Issuance (Repayment) of Debt Securities-26M-157M319.58M168.41M117M122M-240M24M171.6M
Increase (Decrease) in Bank & Other Borrowings51M-------40M
Payment of Dividends & Other Cash Distributions-0.3M-0.3M-0.3M-1.13M-0.96M-0.3M-0.61M-0.59M-0.31M
Other Cash from (used by) Financing Activities
BofI Holding Net Cash from (used by) Financing Activities
Effect of Exchange Rate Changes on Cash---------
BofI Holding Net Change in Cash & Cash Equivalents
Cash & Equivalents at Beginning of Year222.87M155.58M201.69M35.42M9.05M18.2M8.4M16.26M39.7M
Cash & Equivalents at Year End486.72M222.87M155.58M201.69M35.42M9.05M18.2M8.4M16.26M
All figures in USD. M: Millions of USD, B: Billions of USD.

While BofI Holding stock price history provides the price history of a stock, BofI Holding stock comparison chart shows the same in comparison to peers, and cash flow statements provide cash position of the company. Common terms used in the statement of cash flows are:
  • BofI Holding has cash of $486.72M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the BofI Holding stock price.
  • BofI Holding increased its cash from operating activities to $94.54M in 2016. Operating activities include production of goods or creating a product or providing a service, and collecting payment for the same from customers. The cash generated from these activities is refered to as cash flow from operating activities.
  • Cash from investing stood at a negative value of $-1.59B for BOFI stock. A company with surplus cash usually thinks of re-investing it in the form of buying fixed assests, or purchasing plant/ machinery which will help grow the business further. By looking at cash flow from investment activities one can check where the company is putting its cash.
  • Cash Flow from financing activities: Financing activities include the cash that comes into a company in the form of loans or interest earned or shareholders money, as well as the cash that goes out. BofI Holding earned $315.26M from financing activities,in the form of repayment of loans or interest paid, dividend pay-out to shareholders etc.

Key Financial Ratios For BofI Holding Cash Flow

FCF margin