(AX) Axos Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US05465C1009

Banking, Deposits, Mortgages, Lending, Investments

Regional Banks
Market Cap in USD: 4,950m

IPO / Inception: 2005-03-15
Return 12m vs S&P 500: 14.5%

EPS (Earnings per Share)

EPS CAGR: -41.05%
EPS Trend: 11.7%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 30.09%
Rev. Trend: 91.6%

Last SUE: 0.77
Qual. Beats: 0

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	38.3%
Value at Risk 5%th	53.9%
Relative Tail Risk	-14.41%

Reward TTM
Sharpe Ratio	0.95
Alpha	12.05
CAGR/Max DD	0.89

Character TTM
Hurst Exponent	0.476
Beta	1.099
Beta Downside	1.099

Drawdowns 3y
Max DD	34.92%
Mean DD	13.91%
Median DD	13.93%

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 (432.9m TTM) > 0 and > 6% of Revenue (6% = 114.9m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 0.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1032 % (prev -920.3%; Δ -112.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 538.0m > Net Income 432.9m (YES >=105%, WARN >=100%)

Net Debt (-1.21b) to EBITDA (605.0m) ratio: -2.00 <= 3.0 (WARN <= 3.5)

Current Ratio 0.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (58.2m) change vs 12m ago 0.13% (target <= -2.0% for YES)

Gross Margin 61.92% (prev 58.92%; Δ 3.00pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.51% (prev 7.98%; Δ -0.48pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.90 (EBITDA TTM 605.0m / Interest Expense TTM 670.2m) >= 6 (WARN >= 3)

Altman Z'' -4.13

(A) -0.72 = (Total Current Assets 2.88b - Total Current Liabilities 22.65b) / Total Assets 27.43b

(B) 0.10 = Retained Earnings (Balance) 2.73b / Total Assets 27.43b

(D) 0.11 = Book Value of Equity 2.73b / Total Liabilities 24.64b

Total Rating: -4.13 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 78.92

1. Piotroski 4.0pt

2. FCF Yield 13.36%

3. FCF Margin 25.71%

4. Debt/Equity 0.48

5. Debt/Ebitda -2.00

6. ROIC - WACC (= 3.83)%

7. RoE 16.34%

8. Rev. Trend 91.55%

9. EPS Trend 11.68%

What is the price of AX shares?

As of January 11, 2026, the stock is trading at USD 92.35 with a total of 237,929 shares traded.
Over the past week, the price has changed by +5.69%, over one month by +11.39%, over three months by +10.77% and over the past year by +38.46%.

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.

Strong Buy: 3
Buy: 2
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the AX price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	102.4	10.9%
Analysts Target Price	102.4	10.9%
ValueRay Target Price	112.2	21.5%

AX Fundamental Data Overview January 04, 2026

P/E Trailing = 11.7446
P/E Forward = 9.5511
P/S = 4.1158
P/B = 1.7473
Beta = 1.284
Revenue TTM = 1.91b USD
EBIT TTM = 604.1m USD
EBITDA TTM = 605.0m USD
Long Term Debt = 1.35b USD (from longTermDebt, last quarter)
Short Term Debt = 987.0m USD (from shortTermDebt, last quarter)
Debt = 1.35b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.21b USD (from netDebt column, last quarter)
Enterprise Value = 3.68b USD (4.95b + Debt 1.35b - CCE 2.62b)
Interest Coverage Ratio = 0.90 (Ebit TTM 604.1m / Interest Expense TTM 670.2m)
EV/FCF = 7.48x (Enterprise Value 3.68b / FCF TTM 492.4m)
FCF Yield = 13.36% (FCF TTM 492.4m / Enterprise Value 3.68b)
FCF Margin = 25.71% (FCF TTM 492.4m / Revenue TTM 1.91b)
Net Margin = 22.61% (Net Income TTM 432.9m / Revenue TTM 1.91b)
Gross Margin = 61.92% ((Revenue TTM 1.91b - Cost of Revenue TTM 729.2m) / Revenue TTM)
Gross Margin QoQ = 61.14% (prev 63.03%)
Tobins Q-Ratio = 0.13 (Enterprise Value 3.68b / Total Assets 27.43b)
Interest Expense / Debt = 12.92% (Interest Expense 174.7m / Debt 1.35b)
Taxrate = 25.04% (37.5m / 149.9m)
NOPAT = 452.8m (EBIT 604.1m * (1 - 25.04%))
Current Ratio = 0.13 (Total Current Assets 2.88b / Total Current Liabilities 22.65b)
Debt / Equity = 0.48 (Debt 1.35b / totalStockholderEquity, last quarter 2.79b)
Debt / EBITDA = -2.00 (Net Debt -1.21b / EBITDA 605.0m)
Debt / FCF = -2.45 (Net Debt -1.21b / FCF TTM 492.4m)
Total Stockholder Equity = 2.65b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.70% (Net Income 432.9m / Total Assets 27.43b)
RoE = 16.34% (Net Income TTM 432.9m / Total Stockholder Equity 2.65b)
RoCE = 15.09% (EBIT 604.1m / Capital Employed (Equity 2.65b + L.T.Debt 1.35b))
RoIC = 13.74% (NOPAT 452.8m / Invested Capital 3.30b)
WACC = 9.91% (E(4.95b)/V(6.30b) * Re(9.97%) + D(1.35b)/V(6.30b) * Rd(12.92%) * (1-Tc(0.25)))
Discount Rate = 9.97% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.49%
[DCF Debug] Terminal Value 75.32% ; FCFF base≈416.1m ; Y1≈513.3m ; Y5≈874.1m
Fair Price DCF = 208.9 (EV 10.63b - Net Debt -1.21b = Equity 11.83b / Shares 56.6m; r=9.91% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 11.68 | EPS CAGR: -41.05% | SUE: -4.0 | # QB: 0
Revenue Correlation: 91.55 | Revenue CAGR: 30.09% | SUE: 0.77 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.04 | Chg30d=+0.022 | Revisions Net=+2 | Analysts=6
EPS current Year (2026-06-30): EPS=8.30 | Chg30d=+0.056 | Revisions Net=+2 | Growth EPS=+10.6% | Growth Revenue=+8.7%
EPS next Year (2027-06-30): EPS=9.24 | Chg30d=+0.034 | Revisions Net=+0 | Growth EPS=+11.4% | Growth Revenue=+9.6%

Additional Sources for AX Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle