Overview Dividends

(AX) Axos Financial - Ratings and Ratios

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

Banking, Deposits, Mortgages, Lending, Investments

AX EPS (Earnings per Share)

EPS Growth (3Y CAGR): 16.82%
EPS Trend (3Y Correlation): 62.3%

AX Revenue

Revenue Growth (3Y CAGR): 27.05%
Revenue Trend (3Y Correlation): 89.1%

Description: AX Axos Financial July 28, 2025

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	4,489m
Sub-Industry	Regional Banks
IPO / Inception	2005-03-15

AX Stock Ratings

Growth Rating	70.9%
Fundamental	78.8%
Dividend Rating	-
Return 12m vs S&P 500	0.28%
Analyst Rating	4.33 of 5

AX Dividends

Currently no dividends paid

AX Growth Ratios

Growth Correlation 3m	-68.2%
Growth Correlation 12m	49%
Growth Correlation 5y	63%
CAGR 5y	26.80%
CAGR/Max DD 3y (Calmar Ratio)	0.77
CAGR/Mean DD 3y (Pain Ratio)	1.93
Sharpe Ratio 12m	-0.91
Alpha	-4.33
Beta	1.297
Volatility	41.62%
Current Volume	315.8k
Average Volume 20d	280.1k
Stop Loss	76.9 (-3.1%)
Signal	0.92

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (432.9m TTM) > 0 and > 6% of Revenue (6% = 115.8m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 0.55pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -981.0% (prev -980.4%; Δ -0.61pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 490.3m > Net Income 432.9m (YES >=105%, WARN >=100%)

Net Debt (-1.56b) to EBITDA (613.4m) ratio: -2.55 <= 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 8.10% (prev 7.73%; Δ 0.37pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.89 (EBITDA TTM 613.4m / Interest Expense TTM 687.7m) >= 6 (WARN >= 3)

Altman Z'' -4.37

(A) -0.76 = (Total Current Assets 2.25b - Total Current Liabilities 21.18b) / Total Assets 24.78b

(B) 0.11 = Retained Earnings (Balance) 2.62b / Total Assets 24.78b

(D) 0.12 = Book Value of Equity 2.62b / Total Liabilities 22.10b

Total Rating: -4.37 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 78.83

1. Piotroski 4.0pt = -1.0

2. FCF Yield 15.24% = 5.0

3. FCF Margin 22.60% = 5.65

4. Debt/Equity 0.14 = 2.49

5. Debt/Ebitda -2.55 = 2.50

6. ROIC - WACC (= 2.38)% = 2.98

7. RoE 16.96% = 1.41

8. Rev. Trend 89.14% = 6.69

9. EPS Trend 62.30% = 3.12

What is the price of AX shares?

As of November 05, 2025, the stock is trading at USD 79.38 with a total of 315,814 shares traded.
Over the past week, the price has changed by -0.91%, over one month by -6.80%, over three months by -7.19% and over the past year by +21.73%.

Is Axos Financial a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Axos Financial (NYSE:AX) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 78.83 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AX is around 75.63 USD . This means that AX is currently overvalued and has a potential downside of -4.72%.

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	103.5	30.4%
Analysts Target Price	103.5	30.4%
ValueRay Target Price	87.2	9.9%

AX Fundamental Data Overview November 01, 2025

Market Cap USD = 4.49b (4.49b USD * 1.0 USD.USD)
P/E Trailing = 10.6756
P/E Forward = 9.5511
P/S = 3.7313
P/B = 1.7779
Beta = 1.297
Revenue TTM = 1.93b USD
EBIT TTM = 613.4m USD
EBITDA TTM = 613.4m USD
Long Term Debt = 372.7m USD (from longTermDebt, last quarter)
Short Term Debt = 111.1m USD (from shortTermDebt, two quarters ago)
Debt = 372.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.56b USD (from netDebt column, last quarter)
Enterprise Value = 2.86b USD (4.49b + Debt 372.7m - CCE 2.00b)
Interest Coverage Ratio = 0.89 (Ebit TTM 613.4m / Interest Expense TTM 687.7m)
FCF Yield = 15.24% (FCF TTM 436.1m / Enterprise Value 2.86b)
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)
Gross Margin QoQ = 63.03% (prev 62.82%)
Tobins Q-Ratio = 0.12 (Enterprise Value 2.86b / Total Assets 24.78b)
Interest Expense / Debt = 43.54% (Interest Expense 162.3m / Debt 372.7m)
Taxrate = 28.96% (45.1m / 155.8m)
NOPAT = 435.7m (EBIT 613.4m * (1 - 28.96%))
Current Ratio = 0.11 (Total Current Assets 2.25b / Total Current Liabilities 21.18b)
Debt / Equity = 0.14 (Debt 372.7m / totalStockholderEquity, last quarter 2.68b)
Debt / EBITDA = -2.55 (Net Debt -1.56b / EBITDA 613.4m)
Debt / FCF = -3.58 (Net Debt -1.56b / FCF TTM 436.1m)
Total Stockholder Equity = 2.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.75% (Net Income 432.9m / Total Assets 24.78b)
RoE = 16.96% (Net Income TTM 432.9m / Total Stockholder Equity 2.55b)
RoCE = 20.97% (EBIT 613.4m / Capital Employed (Equity 2.55b + L.T.Debt 372.7m))
RoIC = 14.72% (NOPAT 435.7m / Invested Capital 2.96b)
WACC = 12.33% (E(4.49b)/V(4.86b) * Re(10.79%) + D(372.7m)/V(4.86b) * Rd(43.54%) * (1-Tc(0.29)))
Discount Rate = 10.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.32%
[DCF Debug] Terminal Value 73.04% ; FCFE base≈372.2m ; Y1≈459.2m ; Y5≈783.4m
Fair Price DCF = 150.1 (DCF Value 8.50b / Shares Outstanding 56.6m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 62.30 | EPS CAGR: 16.82% | SUE: 0.37 | # QB: 0
Revenue Correlation: 89.14 | Revenue CAGR: 27.05% | SUE: 3.93 | # QB: 13

Additional Sources for AX Stock

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