AX Stock Analysis: Axos Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 5.662m USD | 12M Return: 13.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 37.1M
EPS Trend: 95.4%
Qual. Beats: -1
Rev. Trend: 91.7%
Qual. Beats: 2
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Axos Financial, Inc. is a U.S.-based consumer and business banking provider operating through two segments: Banking Business and Securities Business. Its banking offerings span deposits (checking, savings, time deposits, and commercial accounts) and a diverse loan portfolio that includes residential, multifamily, and commercial mortgages, along with commercial real estate, commercial and industrial, auto, and consumer loans. Its securities segment provides investment and wealth management services such as disclosed clearing, recordkeeping, trade reporting, reorganization assistance, margin lending, and securities lending.
The company was incorporated in 1999 as BofI Holding, Inc. and rebranded as Axos Financial, Inc. in September 2018. It is headquartered in Las Vegas, Nevada, and trades on the NYSE under the ticker AX. Classified within the GICS Financials sector as a Regional Bank, Axos operates as a digital-first institution, relying on online and mobile channels rather than an extensive branch network-a model that has become increasingly common among mid-cap U.S. banks seeking lower-cost deposit gathering and broader geographic reach.
- Net interest margin compresses on Fed rate cuts
- Commercial real estate loan portfolio faces credit quality risk
- Securities clearing segment drives fee revenue growth
| 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 60.34%; Δ 2.08% > 0.5%) |
| Asset Turnover: 7.89% > 50% (prev 8.05%; Δ -0.16% > 0%) |
| Interest Coverage Ratio: 0.94 > 6 (EBIT TTM 646.5m / 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: 0.12 (Book Value of Equity 3.07b / Total Liabilities 26.2b) |
| Altman-Z'' = -4.37 = D |
| DSRI: 1.09 (Receivables 466.7m/392.8m, Revenue 2.10b/1.93b) |
| GMI: 0.97 (GM 60.34% / 62.42%) |
| 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 July 26, 2026, the stock is trading at USD 95.83 with a total of 218,093 shares traded. Over the past week, the price has changed by -3.72%, over one month by +1.57%, over three months by +0.35% and over the past year by +13.37%.
Current recommended Stop Loss: 92.90 (which is 3.1% or 1.2 ATR below the current price).
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 | 110.9 | 15.7% |
P/E Trailing = 12.123
P/E Forward = 9.5511
P/S = 4.2765
P/B = 1.8471
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 = 6.91b USD (5.66b + Debt 2.82b - CCE 1.57b)
Interest Coverage Ratio = 0.94 (Ebit TTM 646.5m / Interest Expense TTM 691.1m)
EV/FCF = 16.22x (Enterprise Value 6.91b / FCF TTM 426.1m)
FCF Yield = 6.17% (FCF TTM 426.1m / Enterprise Value 6.91b)
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 = 0.24 (Enterprise Value 6.91b / Total Assets 29.2b)
Interest Expense / Debt = 24.53% (Interest Expense 691.1m / Debt 2.82b)
Taxrate = 26.36% (170.4m / 646.5m)
NOPAT = 476.1m (EBIT 646.5m * (1 - 26.36%))
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 = 7.42% (NOPAT 476.1m / Invested Capital 6.42b)
WACC = 12.46% (E(5.66b)/V(8.48b) * Re(9.67%) + D(2.82b)/V(8.48b) * Rd(24.53%) * (1-Tc(0.26)))
Discount Rate = 9.67% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -11.37 | Cagr: -0.12%
[DCF] Terminal Value 65.87% ; FCFF base≈378.8m ; Y1≈434.2m ; Y5≈639.1m
[DCF] Fair Price = 75.66 (EV 5.55b - Net Debt 1.25b = Equity 4.30b / Shares 56.9m; r=12.46% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 95.40 | EPS CAGR: 16.10% | SUE: -3.28 | # QB: -1
Revenue Correlation: 91.71 | Revenue CAGR: 17.19% | SUE: 0.88 | # QB: 2
EPS current Quarter (2026-09-30): EPS=2.28 | Chg30d=+1.49% | Revisions=+0% | Analysts=6
EPS current Year (2026-06-30): EPS=8.32 | Chg30d=-0.81% | Revisions=+0% | GrowthEPS=+10.9% | GrowthRev=+16.1%
EPS next Year (2027-06-30): EPS=9.61 | Chg30d=-0.60% | Revisions=+0% | GrowthEPS=+15.6% | GrowthRev=+10.4%
[Analyst] Revisions Ratio: +0% (up=3, down=3)