AX

Axos Financial, Inc.

Fundamental data last updated:September 8, 2026

We may earn a commission from partner links. This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate.

company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through Banking Business and Securities Business segments. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text messaging banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

 


VALUATION

P/E

10.37

Market Cap ($M USD)

$4.96B

Forward P/E

8.12

PEG

0.29

PRICE TO SALES

2.36

PRICE TO BOOK

1.61

EV / EBITDA

9.34

5-Year Average P/E

Free Cash Flow Yield

8.58%

DCF Value

$188.02

Graham Number

$101.26

Price to FCF

11.65

EV to FCF

15.52

Earnings Yield

9.64%

FCF Yield

8.58%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$8.41

Next Year EPS Growth Estimate

$10.75

Next Year Revenue Growth Estimate

$1.78B

Return on Equity (ROE)

16.60%

FREE CASH FLOW

Operating Margin

30.78%

Debt-to-Equity

0.14

Piotroski F-Score

4

Altman Z-Score

-0.51

Return on Invested Capital (ROIC)

13.53%

Current Ratio

0.09

Quick Ratio

0.09

Net Debt to EBITDA

2.33

Interest Coverage

0.94

Gross Profit margin

62.42%

FCF PER SHARE

$7.53

REVENUE PER SHARE

$37.12

Gainseekers Quantitative Analysis

Summary

Axos Financial appears significantly undervalued when juxtaposed against its DCF Value and Graham Number, suggesting a market mispricing. With a Forward P/E of 8.09 and an Earnings Yield of 9.67%, the stock offers an attractive entry point for value investors. However, the Altman Z-score of -0.51 raises red flags about financial distress, hinting at potential vulnerabilities. Despite these concerns, the stock’s valuation metrics indicate a compelling opportunity for those willing to navigate its risks.

AI Exposure / Tech Reliance

Operating within the regional banking sector, Axos Financial is poised to leverage AI and tech advancements to streamline operations and enhance customer experiences. The financial services industry is increasingly integrating technology to improve efficiency, and Axos is no exception. Its adaptability to these shifts could be crucial for maintaining competitive advantage.

The Bull Case

For the discerning GARP investor, Axos Financial offers a tantalizing proposition. A robust ROIC of 13.53% and a healthy FCF Yield of 8.61% underscore its capital efficiency and potential for sustainable growth. The operating margin of 30.78% reflects strong pricing power, while a Piotroski F-Score of 4 suggests moderate financial health. These metrics collectively paint a picture of a company with the ability to generate and reinvest cash effectively.

The Bear Case

Despite its strengths, Axos Financial is not without its pitfalls. The Altman Z-score indicates potential financial instability, and the current ratio of 0.09 suggests liquidity concerns. Trading near its 52-week high, the stock could be technically overextended, posing a risk of correction. Additionally, the Price/Book ratio of 1.61 may deter value purists seeking deeper discounts.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$111.00

Institutional Ownership %

1-Year Beta

1.30

Insider Buying % (6 Mo)

Distance to 52-Week High

16.79%

Distance to 52-Week Low

22.21%

EARNINGS SURPRISE %

-10.80%

50-DAY SMA

$88.90

200-DAY SMA

$87.82

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.