(AX) Axos Financial - Overview
Stock: Banking, Deposits, Mortgages, Lending, Investments
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 36.2% |
| Relative Tail Risk | -13.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.03 |
| Alpha | 18.86 |
| Character TTM | |
|---|---|
| Beta | 1.082 |
| Beta Downside | 1.139 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.92% |
| CAGR/Max DD | 0.75 |
Description: AX Axos Financial January 08, 2026
Axos Financial Inc. (NYSE: AX) is a U.S.-based bank that serves both consumers and businesses through two operating segments: Banking Business and Securities Business. Its banking arm offers a full suite of deposit products-checking, savings, and time-deposit accounts for individuals and firms-as well as a variety of loan solutions, including residential mortgages, multifamily and commercial real-estate financing, commercial-industrial loans, and auto/consumer loans. The securities segment provides investment-related services such as clearing, record-keeping, trade reporting, margin financing, securities lending, and corporate reorganization assistance.
Key recent metrics that shape Axos’s outlook include: (1) a net interest margin (NIM) of roughly 3.2% in Q4 2023, reflecting the benefit of a higher-for-longer Federal Funds rate environment; (2) loan growth of 9% year-over-year, driven primarily by residential mortgage originations, which remain sensitive to housing-market inventory constraints; and (3) a deposit base that expanded 7% YoY, outpacing the average growth rate of the Regional Bank sub-industry, suggesting strong customer acquisition in a low-interest-rate-savings environment. Macro-level drivers such as the Fed’s policy stance, housing affordability, and commercial-real-estate vacancy trends are therefore critical to Axos’s earnings volatility.
For a deeper dive into how these factors translate into valuation signals, you may find ValueRay’s analytical dashboards useful for uncovering hidden upside or downside risks.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 456.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.02 > 1.0 |
| NWC/Revenue: -1108 % < 20% (prev -891.1%; Δ -216.6% < -1%) |
| CFO/TA 0.02 > 3% & CFO 479.6m > Net Income 456.6m |
| Net Debt (106.3m) to EBITDA (675.4m): 0.16 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (58.2m) vs 12m ago 0.03% < -2% |
| Gross Margin: 62.56% > 18% (prev 0.60%; Δ 6196 % > 0.5%) |
| Asset Turnover: 7.70% > 50% (prev 8.19%; Δ -0.49% > 0%) |
| Interest Coverage Ratio: 0.93 > 6 (EBITDA TTM 675.4m / Interest Expense TTM 676.3m) |
Altman Z'' -4.54
| A: -0.78 (Total Current Assets 1.46b - Total Current Liabilities 23.59b) / Total Assets 28.20b |
| B: 0.10 (Retained Earnings 2.86b / Total Assets 28.20b) |
| C: 0.02 (EBIT TTM 629.3m / Avg Total Assets 25.96b) |
| D: 0.11 (Book Value of Equity 2.86b / Total Liabilities 25.27b) |
| Altman-Z'' Score: -4.54 = D |
Beneish M -3.07
| DSRI: 0.91 (Receivables 386.4m/413.6m, Revenue 2.00b/1.94b) |
| GMI: 0.95 (GM 62.56% / 59.72%) |
| AQI: 1.09 (AQ_t 0.94 / AQ_t-1 0.87) |
| SGI: 1.03 (Revenue 2.00b / 1.94b) |
| TATA: -0.00 (NI 456.6m - CFO 479.6m) / TA 28.20b) |
| Beneish M-Score: -3.07 (Cap -4..+1) = AA |
What is the price of AX shares?
Over the past week, the price has changed by +0.73%, over one month by +7.35%, over three months by +20.99% and over the past year by +38.12%.
Is AX a buy, sell or hold?
- StrongBuy: 3
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the AX price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 110.4 | 11.4% |
| Analysts Target Price | 110.4 | 11.4% |
| ValueRay Target Price | 118.8 | 19.8% |
AX Fundamental Data Overview February 09, 2026
P/E Forward = 9.5511
P/S = 4.5186
P/B = 1.9539
Revenue TTM = 2.00b USD
EBIT TTM = 629.3m USD
EBITDA TTM = 675.4m USD
Long Term Debt = 1.12b USD (from longTermDebt, last quarter)
Short Term Debt = 987.0m USD (from shortTermDebt, two quarters ago)
Debt = 1.12b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 106.3m USD (from netDebt column, last quarter)
Enterprise Value = 5.77b USD (5.73b + Debt 1.12b - CCE 1.07b)
Interest Coverage Ratio = 0.93 (Ebit TTM 629.3m / Interest Expense TTM 676.3m)
EV/FCF = 13.69x (Enterprise Value 5.77b / FCF TTM 421.4m)
FCF Yield = 7.30% (FCF TTM 421.4m / Enterprise Value 5.77b)
FCF Margin = 21.09% (FCF TTM 421.4m / Revenue TTM 2.00b)
Net Margin = 22.85% (Net Income TTM 456.6m / Revenue TTM 2.00b)
Gross Margin = 62.56% ((Revenue TTM 2.00b - Cost of Revenue TTM 748.1m) / Revenue TTM)
Gross Margin QoQ = 63.20% (prev 61.14%)
Tobins Q-Ratio = 0.20 (Enterprise Value 5.77b / Total Assets 28.20b)
Interest Expense / Debt = 16.32% (Interest Expense 182.1m / Debt 1.12b)
Taxrate = 26.84% (47.1m / 175.5m)
NOPAT = 460.3m (EBIT 629.3m * (1 - 26.84%))
Current Ratio = 0.06 (Total Current Assets 1.46b / Total Current Liabilities 23.59b)
Debt / Equity = 0.38 (Debt 1.12b / totalStockholderEquity, last quarter 2.93b)
Debt / EBITDA = 0.16 (Net Debt 106.3m / EBITDA 675.4m)
Debt / FCF = 0.25 (Net Debt 106.3m / FCF TTM 421.4m)
Total Stockholder Equity = 2.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.76% (Net Income 456.6m / Total Assets 28.20b)
RoE = 16.59% (Net Income TTM 456.6m / Total Stockholder Equity 2.75b)
RoCE = 16.27% (EBIT 629.3m / Capital Employed (Equity 2.75b + L.T.Debt 1.12b))
RoIC = 12.89% (NOPAT 460.3m / Invested Capital 3.57b)
WACC = 10.23% (E(5.73b)/V(6.84b) * Re(9.90%) + D(1.12b)/V(6.84b) * Rd(16.32%) * (1-Tc(0.27)))
Discount Rate = 9.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.27%
[DCF Debug] Terminal Value 74.36% ; FCFF base≈392.8m ; Y1≈484.6m ; Y5≈825.3m
Fair Price DCF = 167.0 (EV 9.57b - Net Debt 106.3m = Equity 9.46b / Shares 56.7m; r=10.23% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 83.50 | EPS CAGR: 23.49% | SUE: 0.45 | # QB: 0
Revenue Correlation: 90.19 | Revenue CAGR: 34.47% | SUE: 0.96 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.12 | Chg30d=+0.072 | Revisions Net=+5 | Analysts=4
EPS current Year (2026-06-30): EPS=8.73 | Chg30d=+0.438 | Revisions Net=+5 | Growth EPS=+16.4% | Growth Revenue=+16.0%
EPS next Year (2027-06-30): EPS=9.78 | Chg30d=+0.542 | Revisions Net=+5 | Growth EPS=+12.0% | Growth Revenue=+10.2%