AXOS FINANCIAL INC (AX) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AX - US05465C1009 - Common Stock
82.73 USD
+0.55 (+0.67%)
83 USD
+0.27 (+0.33%)
Overall AX gets a fundamental rating of 4 out of 10. We evaluated AX against 387 industry peers in the Banks industry. AX has a medium profitability rating, but doesn't score so well on its financial health evaluation. AX has a decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years AX has been profitable.
In the past 5 years AX always reported a positive cash flow from operatings.
1.2 Ratios
AX has a Return On Assets of 1.58%. This is amongst the best in the industry. AX outperforms 90.18% of its industry peers.
Looking at the Return On Equity, with a value of 15.50%, AX belongs to the top of the industry, outperforming 93.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.58% | ||
| ROE | 15.5% | ||
| ROIC | N/A |
ROA(3y)1.74%
ROA(5y)1.62%
ROE(3y)17.27%
ROE(5y)16.37%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AX's Profit Margin of 34.32% is amongst the best of the industry. AX outperforms 89.92% of its industry peers.
In the last couple of years the Profit Margin of AX has grown nicely.
The Operating Margin and Gross Margin are not available for AX so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.32% | ||
| 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
2. Health
2.1 Basic Checks
AX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AX has been reduced compared to 1 year ago.
The number of shares outstanding for AX has been reduced compared to 5 years ago.
The debt/assets ratio for AX is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of AX is 3.04, which is a good value as it means it would take AX, 3.04 years of fcf income to pay off all of its debts.
AX has a worse Debt to FCF ratio (3.04) than 60.72% of its industry peers.
AX has a Debt/Equity ratio of 0.54. This is a neutral value indicating AX is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.54, AX is doing worse than 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 3.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.19%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AX shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.56%.
The Earnings Per Share has been growing by 20.06% on average over the past years. This is a very strong growth
Looking at the last year, AX shows a small growth in Revenue. The Revenue has grown by 0.20% in the last year.
Measured over the past years, AX shows a quite strong growth in Revenue. The Revenue has been growing by 16.74% on average per year.
EPS 1Y (TTM)-9.56%
EPS 3Y23.4%
EPS 5Y20.06%
EPS Q2Q%0.52%
Revenue 1Y (TTM)0.2%
Revenue growth 3Y20.44%
Revenue growth 5Y16.74%
Sales Q2Q%7.2%
3.2 Future
Based on estimates for the next years, AX will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.33% on average per year.
Based on estimates for the next years, AX will show a quite strong growth in Revenue. The Revenue will grow by 10.03% on average per year.
EPS Next Y11.42%
EPS Next 2Y12.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.71%
Revenue Next 2Y10.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
AX is valuated reasonably with a Price/Earnings ratio of 11.07.
63.31% of the companies in the same industry are more expensive than AX, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of AX to the average of the S&P500 Index (26.11), we can say AX is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.79, the valuation of AX can be described as reasonable.
AX's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AX is cheaper than 73.13% of the companies in the same industry.
AX is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 8.79 |
4.2 Price Multiples
69.51% of the companies in the same industry are more expensive than AX, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as AX's earnings are expected to grow with 12.33% in the coming years.
PEG (NY)0.97
PEG (5Y)0.55
EPS Next 2Y12.33%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for AX!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
82.73
+0.55 (+0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.51%
Inst Owner Change-0.02%
Ins Owners4.68%
Ins Owner Change3.3%
Market Cap4.69B
Revenue(TTM)1.26B
Net Income(TTM)432.92M
Analysts84.29
Price Target102.51 (23.91%)
Short Float %3.8%
Short Ratio6.53
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)2
Avg EPS beat(2)2.2%
Min EPS beat(2)0.36%
Max EPS beat(2)4.04%
EPS beat(4)3
Avg EPS beat(4)1.4%
Min EPS beat(4)-0.08%
Max EPS beat(4)4.04%
EPS beat(8)6
Avg EPS beat(8)12.56%
EPS beat(12)9
Avg EPS beat(12)10.39%
EPS beat(16)10
Avg EPS beat(16)6.39%
Revenue beat(2)0
Avg Revenue beat(2)-1.04%
Min Revenue beat(2)-2.02%
Max Revenue beat(2)-0.07%
Revenue beat(4)0
Avg Revenue beat(4)-1.33%
Min Revenue beat(4)-2.02%
Max Revenue beat(4)-0.07%
Revenue beat(8)2
Avg Revenue beat(8)3.21%
Revenue beat(12)5
Avg Revenue beat(12)2.35%
Revenue beat(16)7
Avg Revenue beat(16)2.35%
PT rev (1m)-1.47%
PT rev (3m)1.17%
EPS NQ rev (1m)0.8%
EPS NQ rev (3m)2.58%
EPS NY rev (1m)0%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)2.65%
Revenue NQ rev (3m)5.26%
Revenue NY rev (1m)2.62%
Revenue NY rev (3m)4.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 8.79 | ||
| P/S | 3.71 | ||
| P/FCF | 9.52 | ||
| P/OCF | 8.71 | ||
| P/B | 1.68 | ||
| P/tB | 1.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.47
EY9.03%
EPS(NY)9.41
Fwd EY11.38%
FCF(TTM)8.69
FCFY10.51%
OCF(TTM)9.5
OCFY11.48%
SpS22.27
BVpS49.31
TBVpS45.22
PEG (NY)0.97
PEG (5Y)0.55
Graham Number91.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.58% | ||
| ROE | 15.5% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.32% | ||
| GM | N/A | ||
| FCFM | 39.03% |
ROA(3y)1.74%
ROA(5y)1.62%
ROE(3y)17.27%
ROE(5y)16.37%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 3.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 152.43% | ||
| Cap/Sales | 3.61% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 113.74% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC17.19%
ROIC/WACCN/A
Cap/Depr(3y)149.55%
Cap/Depr(5y)115.84%
Cap/Sales(3y)3.56%
Cap/Sales(5y)3.06%
Profit Quality(3y)70.67%
Profit Quality(5y)95.41%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.56%
EPS 3Y23.4%
EPS 5Y20.06%
EPS Q2Q%0.52%
EPS Next Y11.42%
EPS Next 2Y12.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.2%
Revenue growth 3Y20.44%
Revenue growth 5Y16.74%
Sales Q2Q%7.2%
Revenue Next Year9.71%
Revenue Next 2Y10.03%
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 1Y302.6%
FCF growth 3Y32.19%
FCF growth 5Y9.92%
OCF growth 1Y256.04%
OCF growth 3Y32.6%
OCF growth 5Y11.53%
AXOS FINANCIAL INC / AX FAQ
Can you provide the ChartMill fundamental rating for AXOS FINANCIAL INC?
ChartMill assigns a fundamental rating of 4 / 10 to AX.
What is the valuation status for AX stock?
ChartMill assigns a valuation rating of 6 / 10 to AXOS FINANCIAL INC (AX). This can be considered as Fairly Valued.
Can you provide the profitability details for AXOS FINANCIAL INC?
AXOS FINANCIAL INC (AX) has a profitability rating of 5 / 10.
Can you provide the financial health for AX stock?
The financial health rating of AXOS FINANCIAL INC (AX) is 2 / 10.
What is the earnings growth outlook for AXOS FINANCIAL INC?
The Earnings per Share (EPS) of AXOS FINANCIAL INC (AX) is expected to grow by 11.42% in the next year.