AX Fundamental Analysis - AXOS FINANCIAL INC

Fundamental Rating

Overall AX gets a fundamental rating of 3 out of 10. We evaluated AX against 392 industry peers in the Banks industry. While AX is still in line with the averages on profitability rating, there are concerns on its financial health. AX is not valued too expensively and it also shows a decent growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

AX had positive earnings in the past year.

AX had a positive operating cash flow in the past year.

Each year in the past 5 years AX has been profitable.

AX had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

AX's Return On Assets of 1.78% is amongst the best of the industry. AX outperforms 95.15% of its industry peers.

AX has a better Return On Equity (16.40%) than 95.41% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.78%
ROE	16.4%
ROIC	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

AX has a Profit Margin of 34.77%. This is amongst the best in the industry. AX outperforms 91.33% of its industry peers.

AX's Profit Margin has improved in the last couple of years.

AX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.77%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.98%

PM growth 5Y1.75%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

AX does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for AX. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

The Debt to FCF ratio of AX is 1.59, which is an excellent value as it means it would take AX, only 1.59 years of fcf income to pay off all of its debts.

AX has a Debt to FCF ratio (1.59) which is in line with its industry peers.

A Debt/Equity ratio of 0.19 indicates that AX is not too dependend on debt financing.

AX has a Debt to Equity ratio (0.19) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.59
Altman-Z	N/A

ROIC/WACCN/A

WACC17.23%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

AX shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.24%.

The Earnings Per Share has been growing by 20.06% on average over the past years. This is a very strong growth

The Revenue has been growing slightly by 6.31% in the past year.

AX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.74% yearly.

EPS 1Y (TTM)-3.24%

EPS 3Y23.4%

EPS 5Y20.06%

EPS Q2Q%6.67%

Revenue 1Y (TTM)6.31%

Revenue growth 3Y20.44%

Revenue growth 5Y16.74%

Sales Q2Q%10.49%

3.2 Future

The Earnings Per Share is expected to grow by 9.13% on average over the next years. This is quite good.

Based on estimates for the next years, AX will show a small growth in Revenue. The Revenue will grow by 7.38% on average per year.

EPS Next Y7.87%

EPS Next 2Y9.13%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.58%

Revenue Next 2Y7.38%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.40, which indicates a very decent valuation of AX.

Compared to the rest of the industry, the Price/Earnings ratio of AX is on the same level as its industry peers.

The average S&P500 Price/Earnings ratio is at 26.99. AX is valued rather cheaply when compared to this.

AX is valuated reasonably with a Price/Forward Earnings ratio of 10.57.

AX's Price/Forward Earnings ratio is in line with the industry average.

AX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.36.

		Industry Rank	Sector Rank
PE	11.4
Fwd PE	10.57

4.2 Price Multiples

AX's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AX is more expensive than 62.76% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	15.58
EV/EBITDA	N/A

4.3 Compensation for Growth

AX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.45

PEG (5Y)0.57

EPS Next 2Y9.13%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

No dividends for AX!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

AXOS FINANCIAL INC

NYSE:AX (8/6/2025, 8:09:38 PM)

After market: 85.07 0 (0%)

85.07

-0.83 (-0.97%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-30 2025-07-30/amc

Earnings (Next)10-28 2025-10-28/amc

Inst Owners83.55%

Inst Owner Change-0.29%

Ins Owners9.53%

Ins Owner Change-1.42%

Market Cap4.80B

Analysts84.29

Price Target101.32 (19.1%)

Short Float %4.88%

Short Ratio7.74

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.6%

Min EPS beat(2)-0.08%

Max EPS beat(2)1.28%

EPS beat(4)2

Avg EPS beat(4)0.74%

Min EPS beat(4)-3.64%

Max EPS beat(4)5.42%

EPS beat(8)5

Avg EPS beat(8)13.36%

EPS beat(12)7

Avg EPS beat(12)8.22%

EPS beat(16)10

Avg EPS beat(16)6.68%

Revenue beat(2)0

Avg Revenue beat(2)-1.63%

Min Revenue beat(2)-1.71%

Max Revenue beat(2)-1.55%

Revenue beat(4)0

Avg Revenue beat(4)-2.77%

Min Revenue beat(4)-5.9%

Max Revenue beat(4)-1.55%

Revenue beat(8)3

Avg Revenue beat(8)3.44%

Revenue beat(12)7

Avg Revenue beat(12)3.78%

Revenue beat(16)8

Avg Revenue beat(16)2.29%

PT rev (1m)9.86%

PT rev (3m)9.83%

EPS NQ rev (1m)-1.92%

EPS NQ rev (3m)-0.46%

EPS NY rev (1m)-0.52%

EPS NY rev (3m)1.33%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.17%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.31%

Valuation

		Industry Rank	Sector Rank
PE	11.4
Fwd PE	10.57
P/S	3.9
P/FCF	15.58
P/OCF	13.67
P/B	1.84
P/tB	1.97
EV/EBITDA	N/A

EPS(TTM)7.46

EY8.77%

EPS(NY)8.05

Fwd EY9.46%

FCF(TTM)5.46

FCFY6.42%

OCF(TTM)6.22

OCFY7.31%

SpS21.79

BVpS46.19

TBVpS43.29

PEG (NY)1.45

PEG (5Y)0.57

Profitability

		Industry Rank	Sector Rank
ROA	1.78%
ROE	16.4%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.77%
GM	N/A
FCFM	25.06%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.98%

PM growth 5Y1.75%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.59
Debt/EBITDA	N/A
Cap/Depr	148.85%
Cap/Sales	3.49%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	72.08%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC17.23%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-3.24%

EPS 3Y23.4%

EPS 5Y20.06%

EPS Q2Q%6.67%

EPS Next Y7.87%

EPS Next 2Y9.13%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)6.31%

Revenue growth 3Y20.44%

Revenue growth 5Y16.74%

Sales Q2Q%10.49%

Revenue Next Year4.58%

Revenue Next 2Y7.38%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y4.52%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y6.12%

OCF growth 3YN/A

OCF growth 5YN/A

AXOS FINANCIAL INC (AX) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens