(AX) Axos Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US05465C1009
Stock: Banking, Loans, Investments, Securities
Total Rating 41
Risk 31
Buy Signal -0.58
| Risk 5d forecast | |
|---|---|
| Volatility | 34.8% |
| Relative Tail Risk | -17.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.97 |
| Alpha | 14.97 |
| Character TTM | |
|---|---|
| Beta | 1.184 |
| Beta Downside | 1.582 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.92% |
| CAGR/Max DD | 0.84 |
EPS (Earnings per Share)
Revenue
Description: AX Axos Financial March 05, 2026
Axos Financial, Inc. (AX) is a U.S. financial services company operating through Banking and Securities segments. Regional banks typically focus on localized markets, offering a range of financial products to consumers and businesses within their operational footprint.
The company provides various deposit products, including checking, savings, and time deposits. Its lending activities encompass residential, multifamily, and commercial mortgages, as well as commercial real estate, industrial, auto, and consumer loans. This diversified loan portfolio is characteristic of a full-service banking model.
Axos Financial also offers investment and wealth management services. These services, such as clearing, recordkeeping, and trade reporting, are common offerings in the broader financial services sector, aiming to provide comprehensive financial solutions to clients.
For more detailed financial analysis, consider exploring ValueRay.
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?
As of March 07, 2026, the stock is trading at USD 88.28 with a total of 274,523 shares traded.
Over the past week, the price has changed by -7.36%, over one month by -10.16%, over three months by +4.24% and over the past year by +37.02%.
Over the past week, the price has changed by -7.36%, over one month by -10.16%, over three months by +4.24% and over the past year by +37.02%.
Is AX a buy, sell or hold?
Axos Financial has received a consensus analysts rating of 4.33.
Therefore, it is recommended to buy AX.
- 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 | 112 | 26.9% |
| Analysts Target Price | 112 | 26.9% |
AX Fundamental Data Overview March 05, 2026
P/E Trailing = 11.4175
P/E Forward = 9.5511
P/S = 4.0247
P/B = 1.7307
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 = 5.14b USD (5.10b + Debt 1.12b - CCE 1.07b)
Interest Coverage Ratio = 0.93 (Ebit TTM 629.3m / Interest Expense TTM 676.3m)
EV/FCF = 12.21x (Enterprise Value 5.14b / FCF TTM 421.4m)
FCF Yield = 8.19% (FCF TTM 421.4m / Enterprise Value 5.14b)
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 = 0.18 (Enterprise Value 5.14b / 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 = 10.36% (E(5.10b)/V(6.22b) * Re(10.01%) + D(1.12b)/V(6.22b) * Rd(16.32%) * (1-Tc(0.27)))
Discount Rate = 10.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.27%
[DCF] Terminal Value 74.00% ; FCFF base≈392.8m ; Y1≈484.6m ; Y5≈825.3m
[DCF] Fair Price = 164.1 (EV 9.40b - Net Debt 106.3m = Equity 9.30b / Shares 56.7m; r=10.36% [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 current Year (2026-06-30): EPS=8.73 | Chg7d=+0.000 | Chg30d=+0.438 | Revisions Net=+5 | Growth EPS=+16.4% | Growth Revenue=+16.1%
EPS next Year (2027-06-30): EPS=9.90 | Chg7d=+0.120 | Chg30d=+0.662 | Revisions Net=+5 | Growth EPS=+13.4% | Growth Revenue=+11.0%
[Analyst] Revisions Ratio: +1.00 (5 Up / 0 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 1.3% (Discount Rate 10.0% - Earnings Yield 8.8%)
[Growth] Growth Spread = +9.7% (Analyst 11.0% - Implied 1.3%)
P/E Forward = 9.5511
P/S = 4.0247
P/B = 1.7307
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 = 5.14b USD (5.10b + Debt 1.12b - CCE 1.07b)
Interest Coverage Ratio = 0.93 (Ebit TTM 629.3m / Interest Expense TTM 676.3m)
EV/FCF = 12.21x (Enterprise Value 5.14b / FCF TTM 421.4m)
FCF Yield = 8.19% (FCF TTM 421.4m / Enterprise Value 5.14b)
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 = 0.18 (Enterprise Value 5.14b / 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 = 10.36% (E(5.10b)/V(6.22b) * Re(10.01%) + D(1.12b)/V(6.22b) * Rd(16.32%) * (1-Tc(0.27)))
Discount Rate = 10.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.27%
[DCF] Terminal Value 74.00% ; FCFF base≈392.8m ; Y1≈484.6m ; Y5≈825.3m
[DCF] Fair Price = 164.1 (EV 9.40b - Net Debt 106.3m = Equity 9.30b / Shares 56.7m; r=10.36% [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 current Year (2026-06-30): EPS=8.73 | Chg7d=+0.000 | Chg30d=+0.438 | Revisions Net=+5 | Growth EPS=+16.4% | Growth Revenue=+16.1%
EPS next Year (2027-06-30): EPS=9.90 | Chg7d=+0.120 | Chg30d=+0.662 | Revisions Net=+5 | Growth EPS=+13.4% | Growth Revenue=+11.0%
[Analyst] Revisions Ratio: +1.00 (5 Up / 0 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 1.3% (Discount Rate 10.0% - Earnings Yield 8.8%)
[Growth] Growth Spread = +9.7% (Analyst 11.0% - Implied 1.3%)