(AX) Axos Financial - Ratings and Ratios
Banking, Deposits, Mortgages, Lending, Investments
AX EPS (Earnings per Share)
AX Revenue
Description: AX Axos Financial
Axos Financial Inc (NYSE:AX) is a US-based regional bank holding company that operates through two main business segments: Banking Business and Securities Business. The company offers a range of consumer and business banking products, including deposit accounts, mortgage loans, commercial real estate loans, and consumer loans. Additionally, it provides investment and wealth management services, including disclosed clearing, recordkeeping, and margin loans.
From a financial perspective, Axos Financial has a market capitalization of approximately $4.78 billion USD, with a price-to-earnings ratio of 11.56 and a forward price-to-earnings ratio of 9.55, indicating a relatively undervalued stock. The companys return on equity (RoE) is 17.39%, suggesting a strong ability to generate profits from shareholder equity.
Key performance indicators (KPIs) to monitor for Axos Financial include its net interest margin (NIM), loan growth rate, and deposit growth rate. A high NIM indicates the companys ability to maintain a healthy spread between interest income and expense. Loan and deposit growth rates are also crucial, as they indicate the companys ability to expand its business and increase revenue. Other important KPIs include the companys efficiency ratio, which measures its ability to manage operating expenses, and its capital adequacy ratio, which assesses its regulatory capital levels.
To further analyze Axos Financials stock, we can examine its support and resistance levels, which currently stand at 79.7, 73.0, 71.2, 69.4, 66.4, and 64.9 for support, and 100.0 for resistance. These levels can provide insight into potential price movements and trading opportunities.
AX Stock Overview
| Market Cap in USD | 5,208m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2005-03-15 |
AX Stock Ratings
| Growth Rating | 74.9% |
| Fundamental | 82.3% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 12.5% |
| Analyst Rating | 4.33 of 5 |
AX Dividends
Currently no dividends paidAX Growth Ratios
| Growth Correlation 3m | 91.4% |
| Growth Correlation 12m | 51.2% |
| Growth Correlation 5y | 63.1% |
| CAGR 5y | 30.47% |
| CAGR/Max DD 3y | 0.87 |
| CAGR/Mean DD 3y | 2.26 |
| Sharpe Ratio 12m | -0.52 |
| Alpha | 0.00 |
| Beta | 0.975 |
| Volatility | 30.16% |
| Current Volume | 413.8k |
| Average Volume 20d | 283.8k |
| Stop Loss | 84.9 (-3.1%) |
| Signal | -0.57 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (432.9m TTM) > 0 and > 6% of Revenue (6% = 115.8m TTM) |
| FCFTA 614.3k (>2.0%) and ΔFCFTA 61.4mpp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -981.0% (prev -980.3%; Δ -0.66pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 690.6k (>3.0%) and CFO 490.3m > Net Income 432.9m (YES >=105%, WARN >=100%) |
| Net Debt (-1.56b) to EBITDA (634.7m) ratio: -2.46 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.11 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (57.6m) change vs 12m ago -1.04% (target <= -2.0% for YES) |
| Gross Margin 61.47% (prev 58.89%; Δ 2.58pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 16.81% (prev 7.70%; Δ 9.11pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.88 (EBITDA TTM 634.7m / Interest Expense TTM 687.7m) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 82.27
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 12.18% = 5.0 |
| 3. FCF Margin 22.60% = 5.65 |
| 4. Debt/Equity 0.14 = 2.49 |
| 5. Debt/Ebitda 0.59 = 2.24 |
| 6. ROIC - WACC (= 3.42)% = 4.27 |
| 7. RoE 16.96% = 1.41 |
| 8. Rev. Trend 89.14% = 6.69 |
| 9. EPS Trend 70.51% = 3.53 |
What is the price of AX shares?
Over the past week, the price has changed by -4.62%, over one month by +0.42%, over three months by +25.54% and over the past year by +33.31%.
Is Axos Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AX is around 91.16 USD . This means that AX is currently overvalued and has a potential downside of 4.06%.
Is AX a buy, sell or hold?
- 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 | 100.2 | 14.3% |
| Analysts Target Price | 100.2 | 14.3% |
| ValueRay Target Price | 104 | 18.7% |
Last update: 2025-09-10 04:32
AX Fundamental Data Overview
CCE Cash And Equivalents = 2.00b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.4092
P/E Forward = 9.5511
P/S = 4.3289
P/B = 1.9129
Beta = 1.331
Revenue TTM = 1.93b USD
EBIT TTM = 605.7m USD
EBITDA TTM = 634.7m USD
Long Term Debt = 372.7m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 372.7m USD (Calculated: Short Term 0.0 + Long Term 372.7m)
Net Debt = -1.56b USD (from netDebt column, last quarter)
Enterprise Value = 3.58b USD (5.21b + Debt 372.7m - CCE 2.00b)
Interest Coverage Ratio = 0.88 (Ebit TTM 605.7m / Interest Expense TTM 687.7m)
FCF Yield = 12.18% (FCF TTM 436.1m / Enterprise Value 3.58b)
FCF Margin = 22.60% (FCF TTM 436.1m / Revenue TTM 1.93b)
Net Margin = 22.44% (Net Income TTM 432.9m / Revenue TTM 1.93b)
Gross Margin = 61.47% ((Revenue TTM 1.93b - Cost of Revenue TTM 743.4m) / Revenue TTM)
Tobins Q-Ratio = 1.37 (Enterprise Value 3.58b / Book Value Of Equity 2.62b)
Interest Expense / Debt = 43.54% (Interest Expense 162.3m / Debt 372.7m)
Taxrate = 29.42% (180.5m / 613.4m)
NOPAT = 427.5m (EBIT 605.7m * (1 - 29.42%))
Current Ratio = 0.11 (Total Current Assets 2.25b / Total Current Liabilities 21.18b)
Debt / Equity = 0.14 (Debt 372.7m / last Quarter total Stockholder Equity 2.68b)
Debt / EBITDA = 0.59 (Net Debt -1.56b / EBITDA 634.7m)
Debt / FCF = 0.85 (Debt 372.7m / FCF TTM 436.1m)
Total Stockholder Equity = 2.55b (last 4 quarters mean)
RoA = 61.0m% (set to none)
RoE = 16.96% (Net Income TTM 432.9m / Total Stockholder Equity 2.55b)
RoCE = 20.70% (Ebit 605.7m / (Equity 2.55b + L.T.Debt 372.7m))
RoIC = 14.44% (NOPAT 427.5m / Invested Capital 2.96b)
WACC = 11.02% (E(5.21b)/V(5.58b) * Re(9.61%)) + (D(372.7m)/V(5.58b) * Rd(43.54%) * (1-Tc(0.29)))
Shares Correlation 3-Years: -44.28 | Cagr: -0.45%
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.52% ; FCFE base≈372.2m ; Y1≈459.2m ; Y5≈783.4m
Fair Price DCF = 178.5 (DCF Value 10.08b / Shares Outstanding 56.5m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 70.51 | EPS CAGR: 28.67% | SUE: 0.32 | # QB: 0
Revenue Correlation: 89.14 | Revenue CAGR: 27.05% | SUE: 0.0 | # QB: 0
Additional Sources for AX Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle