Overview Dividends

(AX) Axos Financial - Ratings and Ratios

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

Deposits, Mortgages, Investment, Loans, Wealth

EPS (Earnings per Share)

EPS Growth (3y CAGR): 16.82%
EPS Trend (3y Corr): 62.3%

Last SUE: 0.37σ
Qual. Beats: 0

Revenue

Revenue Growth (3y CAGR): 19.27%
Revenue Trend (3y Corr): 87.5%

Last SUE: 0.77σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	42.1%
Value at Risk 5%th	59.1%
Relative Tail Risk	-14.69%

Reward TTM
Sharpe Ratio	-0.16
Alpha	-21.72

Character TTM
Hurst Exponent	0.329
Beta	1.152
Beta Downside	1.138

Drawdowns 3y
Max DD	34.92%
Mean DD	13.75%
Median DD	13.75%

Description: AX Axos Financial November 05, 2025

Axos Financial Inc. (NYSE: AX) is a Nevada-based bank that serves both consumer and business customers through two primary segments: Banking Business and Securities Business. Its banking arm offers a full suite of deposit products (checking, savings, time deposits) and a diversified loan portfolio that includes residential mortgages, multifamily and commercial real-estate loans, as well as auto and consumer financing. The securities segment provides wealth-management services such as clearing, recordkeeping, trade reporting, margin lending, and securities-lending, positioning Axos as a hybrid bank-broker model.

Key recent metrics highlight the company’s growth trajectory: as of Q4 2023, net interest margin (NIM) expanded to 3.45% from 3.31% a year earlier, driven by higher loan yields in a rising-rate environment; total loan balances grew 9% YoY to $13.2 bn, while deposits increased 7% to $17.5 bn, supporting a solid CET1 ratio of 13.2%. Macro-level drivers include the Federal Reserve’s policy stance-higher rates boost NIM but can pressure credit quality-and accelerating consumer adoption of digital-only banking platforms, a segment where Axos has a competitive edge due to its low-cost operating model.

For a deeper, data-rich assessment of Axos’s valuation dynamics, you may find the analytics on ValueRay worth exploring.

AX Stock Overview

Market Cap in USD	4,523m
Sub-Industry	Regional Banks
IPO / Inception	2005-03-15
Return 12m vs S&P 500	-17.5%
Analyst Rating	4.33 of 5

AX Dividends

Currently no dividends paid

AX Growth Ratios

Metric	Value
CAGR 3y	24.05%
CAGR/Max DD Calmar Ratio	0.69
CAGR/Mean DD Pain Ratio	1.75
Current Volume	353.7k
Average Volume	275.4k

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 -969.4% (prev -920.3%; Δ -49.06pp) (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 (-2.56b) to EBITDA (605.0m) ratio: -4.23 <= 3.0 (WARN <= 3.5)

Current Ratio 0.12 (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'' -3.84

(A) -0.68 = (Total Current Assets 2.62b - Total Current Liabilities 21.18b) / 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: -3.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 81.26

1. Piotroski 4.0pt = -1.0

2. FCF Yield 14.22% = 5.0

3. FCF Margin 25.71% = 6.43

4. Debt/Equity 0.56 = 2.35

5. Debt/Ebitda -4.23 = 2.50

6. ROIC - WACC (= 3.96)% = 4.94

7. RoE 16.34% = 1.36

8. Rev. Trend 87.52% = 6.56

9. EPS Trend 62.30% = 3.12

What is the price of AX shares?

As of November 19, 2025, the stock is trading at USD 75.60 with a total of 353,708 shares traded.
Over the past week, the price has changed by -7.74%, over one month by -1.18%, over three months by -13.33% and over the past year by -5.43%.

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	100.5	32.9%
Analysts Target Price	100.5	32.9%
ValueRay Target Price	78.6	4%

AX Fundamental Data Overview November 17, 2025

Market Cap USD = 4.52b (4.52b USD * 1.0 USD.USD)
P/E Trailing = 10.6344
P/E Forward = 9.5511
P/S = 3.7611
P/B = 1.6045
Beta = 1.288
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 = 1.56b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.56b USD (from netDebt column, last quarter)
Enterprise Value = 3.46b USD (4.52b + Debt 1.56b - CCE 2.62b)
Interest Coverage Ratio = 0.90 (Ebit TTM 604.1m / Interest Expense TTM 670.2m)
FCF Yield = 14.22% (FCF TTM 492.4m / Enterprise Value 3.46b)
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 3.46b / Total Assets 27.43b)
Interest Expense / Debt = 11.22% (Interest Expense 174.7m / Debt 1.56b)
Taxrate = 25.04% (37.5m / 149.9m)
NOPAT = 452.8m (EBIT 604.1m * (1 - 25.04%))
Current Ratio = 0.12 (Total Current Assets 2.62b / Total Current Liabilities 21.18b)
Debt / Equity = 0.56 (Debt 1.56b / totalStockholderEquity, last quarter 2.79b)
Debt / EBITDA = -4.23 (Net Debt -2.56b / EBITDA 605.0m)
Debt / FCF = -5.20 (Net Debt -2.56b / FCF TTM 492.4m)
Total Stockholder Equity = 2.65b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.58% (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 = 9.79% (E(4.52b)/V(6.08b) * Re(10.26%) + D(1.56b)/V(6.08b) * Rd(11.22%) * (1-Tc(0.25)))
Discount Rate = 10.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.27%
[DCF Debug] Terminal Value 74.58% ; FCFE base≈416.1m ; Y1≈513.3m ; Y5≈875.8m
Fair Price DCF = 180.5 (DCF Value 10.22b / 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: 87.52 | Revenue CAGR: 19.27% | SUE: 0.77 | # QB: 0

Additional Sources for AX Stock

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