AXOS FINANCIAL INC (AX) Fundamental Analysis & Valuation

NYSE:AX • US05465C1009

Current stock price

82.93 USD
-0.09 (-0.11%)
At close:
82.93 USD
0 (0%)
After Hours:

This AX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. AX Profitability Analysis

1.1 Basic Checks

  • In the past year AX was profitable.
  • In the past year AX had a positive cash flow from operations.
  • Each year in the past 5 years AX has 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • AX has a better Return On Assets (1.62%) than 90.55% of its industry peers.
  • Looking at the Return On Equity, with a value of 15.58%, AX belongs to the top of the industry, outperforming 93.70% of the companies in the same industry.
Industry RankSector Rank
ROA 1.62%
ROE 15.58%
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
AX Yearly ROA, ROE, ROICAX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • AX has a Profit Margin of 34.11%. This is amongst the best in the industry. AX outperforms 88.45% 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 RankSector Rank
OM N/A
PM (TTM) 34.11%
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
AX Yearly Profit, Operating, Gross MarginsAX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. AX Health Analysis

2.1 Basic Checks

  • AX does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, AX has less shares outstanding
  • AX has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, AX has a worse debt to assets ratio.
AX Yearly Shares OutstandingAX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
AX Yearly Total Debt VS Total AssetsAX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • AX has a debt to FCF ratio of 2.81. This is a good value and a sign of high solvency as AX would need 2.81 years to pay back of all of its debts.
  • AX has a Debt to FCF ratio (2.81) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.40 indicates that AX is not too dependend on debt financing.
  • The Debt to Equity ratio of AX (0.40) is worse than 73.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.81
Altman-Z N/A
ROIC/WACCN/A
WACC17.5%
AX Yearly LT Debt VS Equity VS FCFAX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. AX Growth Analysis

3.1 Past

  • AX shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.05%.
  • 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 grown by 10.25% 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 16.74% yearly.
EPS 1Y (TTM)6.05%
EPS 3Y23.4%
EPS 5Y20.06%
EPS Q2Q%23.33%
Revenue 1Y (TTM)10.25%
Revenue growth 3Y20.44%
Revenue growth 5Y16.74%
Sales Q2Q%25.07%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.40% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 13.91% on average over the next years. This is quite good.
EPS Next Y16.78%
EPS Next 2Y15.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.94%
Revenue Next 2Y13.91%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 stable.
AX Yearly Revenue VS EstimatesAX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
AX Yearly EPS VS EstimatesAX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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6

4. AX Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.51 indicates a reasonable valuation of AX.
  • Based on the Price/Earnings ratio, AX is valued a bit cheaper than 66.40% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, AX is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.35, which indicates a very decent valuation of AX.
  • 82.94% of the companies in the same industry are more expensive than AX, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.28, AX is valued rather cheaply.
Industry RankSector Rank
PE 10.51
Fwd PE 8.35
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AX is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.15
EV/EBITDA N/A
AX Per share dataAX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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.
  • AX's earnings are expected to grow with 15.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.63
PEG (5Y)0.52
EPS Next 2Y15.4%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. AX Dividend Analysis

5.1 Amount

  • No dividends for AX!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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AX Fundamentals: All Metrics, Ratios and Statistics

AXOS FINANCIAL INC

NYSE:AX (3/20/2026, 8:04:00 PM)

After market: 82.93 0 (0%)

82.93

-0.09 (-0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners81.82%
Inst Owner Change1.37%
Ins Owners5.18%
Ins Owner Change-1.01%
Market Cap4.70B
Revenue(TTM)1.34B
Net Income(TTM)456.63M
Analysts83.08
Price Target113.63 (37.02%)
Short Float %4.63%
Short Ratio6.48
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1.83%
Min EPS beat(2)0.36%
Max EPS beat(2)3.29%
EPS beat(4)4
Avg EPS beat(4)2.25%
Min EPS beat(4)0.36%
Max EPS beat(4)4.04%
EPS beat(8)6
Avg EPS beat(8)2.46%
EPS beat(12)9
Avg EPS beat(12)10.08%
EPS beat(16)11
Avg EPS beat(16)6.65%
Revenue beat(2)1
Avg Revenue beat(2)3.05%
Min Revenue beat(2)-2.02%
Max Revenue beat(2)8.11%
Revenue beat(4)1
Avg Revenue beat(4)1.08%
Min Revenue beat(4)-2.02%
Max Revenue beat(4)8.11%
Revenue beat(8)2
Avg Revenue beat(8)-0.58%
Revenue beat(12)5
Avg Revenue beat(12)2.87%
Revenue beat(16)8
Avg Revenue beat(16)3.08%
PT rev (1m)0.91%
PT rev (3m)9.93%
EPS NQ rev (1m)-0.24%
EPS NQ rev (3m)0.98%
EPS NY rev (1m)0%
EPS NY rev (3m)5.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.17%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)7.19%
Valuation
Industry RankSector Rank
PE 10.51
Fwd PE 8.35
P/S 3.51
P/FCF 11.15
P/OCF 9.8
P/B 1.6
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)7.89
EY9.51%
EPS(NY)9.93
Fwd EY11.98%
FCF(TTM)7.43
FCFY8.96%
OCF(TTM)8.46
OCFY10.2%
SpS23.62
BVpS51.7
TBVpS47.79
PEG (NY)0.63
PEG (5Y)0.52
Graham Number95.8
Profitability
Industry RankSector Rank
ROA 1.62%
ROE 15.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.11%
GM N/A
FCFM 31.48%
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 RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.81
Debt/EBITDA N/A
Cap/Depr 126.26%
Cap/Sales 4.35%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 92.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC17.5%
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)6.05%
EPS 3Y23.4%
EPS 5Y20.06%
EPS Q2Q%23.33%
EPS Next Y16.78%
EPS Next 2Y15.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.25%
Revenue growth 3Y20.44%
Revenue growth 5Y16.74%
Sales Q2Q%25.07%
Revenue Next Year16.94%
Revenue Next 2Y13.91%
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 1Y237.75%
FCF growth 3Y32.19%
FCF growth 5Y9.92%
OCF growth 1Y203.54%
OCF growth 3Y32.6%
OCF growth 5Y11.53%

AXOS FINANCIAL INC / AX Fundamental Analysis 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 of AXOS FINANCIAL INC (AX) stock?

ChartMill assigns a valuation rating of 6 / 10 to AXOS FINANCIAL INC (AX). This can be considered as Fairly Valued.


How profitable is AXOS FINANCIAL INC (AX) stock?

AXOS FINANCIAL INC (AX) has a profitability rating of 5 / 10.


How financially healthy is AXOS FINANCIAL INC?

The financial health rating of AXOS FINANCIAL INC (AX) is 2 / 10.


How sustainable is the dividend of AXOS FINANCIAL INC (AX) stock?

The dividend rating of AXOS FINANCIAL INC (AX) is 0 / 10 and the dividend payout ratio is 0%.