(AX) Axos Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 4.890m USD | Total Return: 22.7% in 12m
Avg Turnover: 31.9M
EPS Trend: 77.1%
Qual. Beats: -1
Rev. Trend: 91.7%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Axos Financial Inc. (NYSE: AX) is a technology-driven financial services company operating through Banking Business and Securities Business segments. Based in Las Vegas, the firm provides diverse deposit products, commercial and residential lending, and wealth management services including clearing and securities lending. Originally established as BofI Holding, Inc., the company rebranded in 2018 to reflect its evolution beyond its origins as an internet-only bank.
Operating primarily as a digital bank, Axos maintains a lower overhead structure compared to traditional regional banks that rely on extensive physical branch networks. This business model typically allows for higher interest margins and greater scalability in loan processing. Regional banks in the United States are currently navigating a landscape defined by credit quality in commercial real estate and the stabilization of deposit costs.
Investors can evaluate the companys valuation metrics and historical performance trends on ValueRay to gain deeper insights. Axos continues to diversify its revenue streams by expanding its securities business, which provides fee-based income to complement its core interest-earning lending activities.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial and industrial loan portfolio growth drives interest income expansion
- Securities business expansion through clearing and custody services diversification
- Regulatory scrutiny of non-interest income and deposit fee structures
- Asset quality performance within multifamily and commercial real estate loan segments
| Net Income: 476.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.17 > 1.0 |
| NWC/Revenue: -1.06k% < 20% (prev -931.2%; Δ -128.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 447.9m > Net Income 476.1m |
| Net Debt (1.25b) to EBITDA (708.0m): 1.76 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (57.8m) vs 12m ago -0.78% < -2% |
| Gross Margin: 62.42% > 18% (prev 0.60%; Δ 6.18k% > 0.5%) |
| Asset Turnover: 7.89% > 50% (prev 8.05%; Δ -0.16% > 0%) |
| Interest Coverage Ratio: 0.94 > 6 (EBITDA TTM 708.0m / Interest Expense TTM 691.1m) |
| A: -0.76 (Total Current Assets 2.22b - Total Current Liabilities 24.5b) / Total Assets 29.2b |
| B: 0.10 (Retained Earnings 2.98b / Total Assets 29.2b) |
| C: 0.02 (EBIT TTM 646.5m / Avg Total Assets 26.6b) |
| D: 0.11 (Book Value of Equity 2.99b / Total Liabilities 26.2b) |
| Altman-Z'' = -4.38 = D |
| DSRI: 1.09 (Receivables 466.7m/392.8m, Revenue 2.10b/1.93b) |
| GMI: 0.97 (GM 62.42% / 60.34%) |
| AQI: 1.03 (AQ_t 0.92 / AQ_t-1 0.89) |
| SGI: 1.09 (Revenue 2.10b / 1.93b) |
| TATA: 0.00 (NI 476.1m - CFO 447.9m) / TA 29.2b) |
| Beneish M = -2.90 (Cap -4..+1) = A |
As of May 27, 2026, the stock is trading at USD 87.82 with a total of 320,848 shares traded.
Over the past week, the price has changed by +3.97%,
over one month by -10.85%,
over three months by -7.84% and
over the past year by +22.72%.
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
| Analysts Target Price | 110.2 | 25.4% |
P/E Trailing = 10.4714
P/E Forward = 9.5511
P/S = 3.6939
P/B = 1.5522
P/EG = 0.9498
Revenue TTM = 2.10b USD
EBIT TTM = 646.5m USD
EBITDA TTM = 708.0m USD
Long Term Debt = 1.07b USD (from longTermDebt, last quarter)
Short Term Debt = 1.75b USD (from shortTermDebt, last quarter)
Debt = 2.82b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.25b USD (calculated: Debt 2.82b - CCE 1.57b)
Enterprise Value = 6.14b USD (4.89b + Debt 2.82b - CCE 1.57b)
Interest Coverage Ratio = 0.94 (Ebit TTM 646.5m / Interest Expense TTM 691.1m)
EV/FCF = 14.41x (Enterprise Value 6.14b / FCF TTM 426.1m)
FCF Yield = 6.94% (FCF TTM 426.1m / Enterprise Value 6.14b)
FCF Margin = 20.29% (FCF TTM 426.1m / Revenue TTM 2.10b)
Net Margin = 22.67% (Net Income TTM 476.1m / Revenue TTM 2.10b)
Gross Margin = 62.42% ((Revenue TTM 2.10b - Cost of Revenue TTM 789.3m) / Revenue TTM)
Gross Margin QoQ = 62.25% (prev 63.20%)
Tobins Q-Ratio = 0.21 (Enterprise Value 6.14b / Total Assets 29.2b)
Interest Expense / Debt = 24.53% (Interest Expense 691.1m / Debt 2.82b)
Taxrate = 24.57% (40.6m / 165.3m)
NOPAT = 487.6m (EBIT 646.5m * (1 - 24.57%))
Current Ratio = 0.09 (Total Current Assets 2.22b / Total Current Liabilities 24.5b)
Debt / Equity = 0.92 (Debt 2.82b / totalStockholderEquity, last quarter 3.07b)
Debt / EBITDA = 1.76 (Net Debt 1.25b / EBITDA 708.0m)
Debt / FCF = 2.93 (Net Debt 1.25b / FCF TTM 426.1m)
Total Stockholder Equity = 2.87b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.79% (Net Income 476.1m / Total Assets 29.2b)
RoE = 16.60% (Net Income TTM 476.1m / Total Stockholder Equity 2.87b)
RoCE = 16.41% (EBIT 646.5m / Capital Employed (Equity 2.87b + L.T.Debt 1.07b))
RoIC = 7.52% (NOPAT 487.6m / Invested Capital 6.49b)
WACC = 12.87% (E(4.89b)/V(7.71b) * Re(9.63%) + D(2.82b)/V(7.71b) * Rd(24.53%) * (1-Tc(0.25)))
Discount Rate = 9.63% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 34.10 | Cagr: -0.12%
[DCF] Terminal Value 64.78% ; FCFF base≈378.8m ; Y1≈434.2m ; Y5≈639.1m
[DCF] Fair Price = 71.61 (EV 5.32b - Net Debt 1.25b = Equity 4.07b / Shares 56.9m; r=12.87% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 77.08 | EPS CAGR: 13.92% | SUE: -3.57 | # QB: -1
Revenue Correlation: 91.71 | Revenue CAGR: 17.19% | SUE: 0.88 | # QB: 2
EPS next Quarter (2026-09-30): EPS=2.25 | Chg30d=-4.26% | Revisions=-40% | Analysts=6
EPS current Year (2026-06-30): EPS=8.39 | Chg30d=-3.41% | Revisions=-56% | GrowthEPS=+11.8% | GrowthRev=+16.2%
EPS next Year (2027-06-30): EPS=9.67 | Chg30d=-1.87% | Revisions=-25% | GrowthEPS=+15.3% | GrowthRev=+10.7%
[Analyst] Revisions Ratio: -56%