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AXOS FINANCIAL INC (AX) Stock Fundamental Analysis

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

70.05  -2.54 (-3.5%)

After market: 70.05 0 (0%)

Fundamental Rating

4

Overall AX gets a fundamental rating of 4 out of 10. We evaluated AX 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year AX was profitable.
AX had a positive operating cash flow in the past year.
In the past 5 years AX has always been profitable.
Each year in the past 5 years AX had a positive operating cash flow.
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

AX has a Return On Assets of 1.78%. This is amongst the best in the industry. AX outperforms 94.95% of its industry peers.
With an excellent Return On Equity value of 16.40%, AX belongs to the best of the industry, outperforming 94.95% of the companies in the same industry.
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

The Profit Margin of AX (34.77%) is better than 91.16% of its industry peers.
In the last couple of years the Profit Margin of AX has grown nicely.
AX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
Compared to 5 years ago, AX has less shares outstanding
The debt/assets ratio for AX has been reduced compared to a year ago.
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.
AX has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
AX has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: AX outperforms 44.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.59
Altman-Z N/A
ROIC/WACCN/A
WACC18.92%
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

The earnings per share for AX have decreased by -0.41% in the last year.
AX shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.35% yearly.
The Revenue has grown by 8.73% in the past year. This is quite good.
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

The Earnings Per Share is expected to grow by 3.92% on average over the next years.
The Revenue is expected to grow by 8.14% on average over the next years. This is quite good.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

The Price/Earnings ratio is 9.54, which indicates a very decent valuation of AX.
Based on the Price/Earnings ratio, AX is valued a bit cheaper than 77.53% of the companies in the same industry.
AX is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.95, the valuation of AX can be described as very reasonable.
AX's Price/Forward Earnings ratio is in line with the industry average.
AX is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.54
Fwd PE 8.95
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 12.83
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)0.41
EPS Next 2Y0.78%
EPS Next 3Y3.92%

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0

5. Dividend

5.1 Amount

No dividends for AX!.
Industry RankSector Rank
Dividend Yield N/A

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AXOS FINANCIAL INC

NYSE:AX (6/13/2025, 8:04:00 PM)

After market: 70.05 0 (0%)

70.05

-2.54 (-3.5%)

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 Cap3.95B
Analysts84
Price Target84.08 (20.03%)
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 9.54
Fwd PE 8.95
P/S 3.21
P/FCF 12.83
P/OCF 11.26
P/B 1.52
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)7.34
EY10.48%
EPS(NY)7.83
Fwd EY11.18%
FCF(TTM)5.46
FCFY7.8%
OCF(TTM)6.22
OCFY8.88%
SpS21.79
BVpS46.19
TBVpS43.29
PEG (NY)N/A
PEG (5Y)0.41
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
WACC18.92%
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%