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AXOS FINANCIAL INC (AX) Stock Fundamental Analysis

NYSE:AX - New York Stock Exchange, Inc. - US05465C1009 - Common Stock - Currency: USD

72.59  +0.39 (+0.54%)

After market: 72.59 0 (0%)

Fundamental Rating

4

AX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. There are concerns on the financial health of AX while its profitability can be described as average. AX has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

AX had positive earnings in the past year.
In the past year AX had a positive cash flow from operations.
In the past 5 years AX has always been profitable.
AX had a positive operating cash flow in each of the past 5 years.
AX Yearly Net Income VS EBIT VS OCF VS FCFAX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

The Return On Assets of AX (1.78%) is better than 94.95% of its industry peers.
AX has a Return On Equity of 16.40%. This is amongst the best in the industry. AX outperforms 94.95% of its industry peers.
Industry RankSector Rank
ROA 1.78%
ROE 16.4%
ROIC N/A
ROA(3y)1.62%
ROA(5y)1.54%
ROE(3y)16.77%
ROE(5y)16.12%
ROIC(3y)N/A
ROIC(5y)N/A
AX Yearly ROA, ROE, ROICAX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 34.77%, AX belongs to the top of the industry, outperforming 91.16% of the companies in the same industry.
AX's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for AX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 34.77%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.33%
PM growth 5Y3.82%
GM growth 3YN/A
GM growth 5YN/A
AX Yearly Profit, Operating, Gross MarginsAX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

AX does not have a ROIC to compare to the WACC, probably because it is not profitable.
AX has less shares outstanding than it did 1 year ago.
AX has less shares outstanding than it did 5 years ago.
AX has a better debt/assets ratio than last year.
AX Yearly Shares OutstandingAX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
AX Yearly Total Debt VS Total AssetsAX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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.
Looking at the Debt to FCF ratio, with a value of 1.59, AX is in line with its industry, outperforming 56.57% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that AX is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.19, AX is in line with its industry, outperforming 44.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.59
Altman-Z N/A
ROIC/WACCN/A
WACC18.66%
AX Yearly LT Debt VS Equity VS FCFAX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AX Yearly Current Assets VS Current LiabilitesAX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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5

3. Growth

3.1 Past

AX shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.41%.
The Earnings Per Share has been growing by 23.35% on average over the past years. This is a very strong growth
Looking at the last year, AX shows a quite strong growth in Revenue. The Revenue has grown by 8.73% in the last year.
AX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.23% yearly.
EPS 1Y (TTM)-0.41%
EPS 3Y29.14%
EPS 5Y23.35%
EPS Q2Q%-5.24%
Revenue 1Y (TTM)8.73%
Revenue growth 3Y22.51%
Revenue growth 5Y19.23%
Sales Q2Q%4.77%

3.2 Future

AX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.92% yearly.
AX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.14% yearly.
EPS Next Y-1.86%
EPS Next 2Y0.78%
EPS Next 3Y3.92%
EPS Next 5YN/A
Revenue Next Year12.1%
Revenue Next 2Y8.35%
Revenue Next 3Y8.14%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
AX Yearly Revenue VS EstimatesAX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B
AX Yearly EPS VS EstimatesAX Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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4

4. Valuation

4.1 Price/Earnings Ratio

AX is valuated reasonably with a Price/Earnings ratio of 9.89.
Based on the Price/Earnings ratio, AX is valued a bit cheaper than 79.04% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, AX is valued rather cheaply.
The Price/Forward Earnings ratio is 9.27, which indicates a very decent valuation of AX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AX is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.39, AX is valued rather cheaply.
Industry RankSector Rank
PE 9.89
Fwd PE 9.27
AX Price Earnings VS Forward Price EarningsAX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as AX.
Industry RankSector Rank
P/FCF 13.29
EV/EBITDA N/A
AX Per share dataAX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.42
EPS Next 2Y0.78%
EPS Next 3Y3.92%

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0

5. Dividend

5.1 Amount

AX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AXOS FINANCIAL INC

NYSE:AX (6/12/2025, 6:40:00 PM)

After market: 72.59 0 (0%)

72.59

+0.39 (+0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners85.39%
Inst Owner Change-1.86%
Ins Owners9.72%
Ins Owner Change-4.34%
Market Cap4.09B
Analysts84
Price Target84.08 (15.83%)
Short Float %6.4%
Short Ratio8.39
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
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)1.55%
PT rev (3m)-1.37%
EPS NQ rev (1m)1.2%
EPS NQ rev (3m)1.2%
EPS NY rev (1m)1.86%
EPS NY rev (3m)1.86%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 9.89
Fwd PE 9.27
P/S 3.33
P/FCF 13.29
P/OCF 11.67
P/B 1.57
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)7.34
EY10.11%
EPS(NY)7.83
Fwd EY10.79%
FCF(TTM)5.46
FCFY7.52%
OCF(TTM)6.22
OCFY8.57%
SpS21.79
BVpS46.19
TBVpS43.29
PEG (NY)N/A
PEG (5Y)0.42
Profitability
Industry RankSector 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)1.62%
ROA(5y)1.54%
ROE(3y)16.77%
ROE(5y)16.12%
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 3Y4.33%
PM growth 5Y3.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector 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
WACC18.66%
ROIC/WACCN/A
Cap/Depr(3y)116.41%
Cap/Depr(5y)88.56%
Cap/Sales(3y)3.12%
Cap/Sales(5y)2.62%
Profit Quality(3y)63.23%
Profit Quality(5y)104.96%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.41%
EPS 3Y29.14%
EPS 5Y23.35%
EPS Q2Q%-5.24%
EPS Next Y-1.86%
EPS Next 2Y0.78%
EPS Next 3Y3.92%
EPS Next 5YN/A
Revenue 1Y (TTM)8.73%
Revenue growth 3Y22.51%
Revenue growth 5Y19.23%
Sales Q2Q%4.77%
Revenue Next Year12.1%
Revenue Next 2Y8.35%
Revenue Next 3Y8.14%
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 1Y33.49%
FCF growth 3Y-12.49%
FCF growth 5Y7.9%
OCF growth 1Y34.9%
OCF growth 3Y-9.53%
OCF growth 5Y8.37%