AXOS FINANCIAL INC (AX) Stock Fundamental Analysis
USA - NYSE:AX - US05465C1009 - Common Stock
80.75 USD
+1.72 (+2.18%)
80.75 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to AX. AX was compared to 390 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 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.
AX had a positive operating cash flow in the past year.
In the past 5 years AX has always been profitable.
AX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of AX (1.75%) is better than 94.62% of its industry peers.
AX has a Return On Equity of 16.15%. This is amongst the best in the industry. AX outperforms 95.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.75% | ||
| ROE | 16.15% | ||
| 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 has a better Profit Margin (34.39%) than 91.03% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.39% | ||
| 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.
AX has less shares outstanding than it did 1 year ago.
AX has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AX has a worse debt to assets ratio.
2.2 Solvency
AX has a debt to FCF ratio of 1.04. This is a very positive value and a sign of high solvency as it would only need 1.04 years to pay back of all of its debts.
AX has a Debt to FCF ratio of 1.04. This is in the better half of the industry: AX outperforms 67.69% of its industry peers.
AX has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
AX has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.46%
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%.
Measured over the past years, AX shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.06% on average per year.
The Revenue has been growing slightly by 6.31% in the past year.
The Revenue has been growing by 16.74% on average over the past years. This is quite good.
EPS 1Y (TTM)-9.56%
EPS 3Y23.4%
EPS 5Y20.06%
EPS Q2Q%0.52%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y20.44%
Revenue growth 5Y16.74%
Sales Q2Q%7.2%
3.2 Future
The Earnings Per Share is expected to grow by 12.33% on average over the next years. This is quite good.
The Revenue is expected to grow by 10.03% on average over the next years. This is quite good.
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
AX is valuated reasonably with a Price/Earnings ratio of 10.81.
62.56% of the companies in the same industry are more expensive than AX, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.13, AX is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.58, the valuation of AX can be described as reasonable.
Based on the Price/Forward Earnings ratio, AX is valued a bit cheaper than the industry average as 73.85% of the companies are valued more expensively.
AX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 8.58 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AX is valued a bit cheaper than the industry average as 62.56% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)0.95
PEG (5Y)0.54
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 |
80.75
+1.72 (+2.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.51%
Inst Owner Change-0.56%
Ins Owners4.68%
Ins Owner Change-2.15%
Market Cap4.57B
Revenue(TTM)1.26B
Net Income(TTM)432.91M
Analysts84.29
Price Target105.57 (30.74%)
Short Float %3.54%
Short Ratio5.64
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)2.66%
Min EPS beat(2)1.28%
Max EPS beat(2)4.04%
EPS beat(4)3
Avg EPS beat(4)2.67%
Min EPS beat(4)-0.08%
Max EPS beat(4)5.42%
EPS beat(8)5
Avg EPS beat(8)12.37%
EPS beat(12)8
Avg EPS beat(12)9.02%
EPS beat(16)10
Avg EPS beat(16)6.91%
Revenue beat(2)0
Avg Revenue beat(2)-0.89%
Min Revenue beat(2)-1.71%
Max Revenue beat(2)-0.07%
Revenue beat(4)0
Avg Revenue beat(4)-1.31%
Min Revenue beat(4)-1.91%
Max Revenue beat(4)-0.07%
Revenue beat(8)2
Avg Revenue beat(8)3.38%
Revenue beat(12)6
Avg Revenue beat(12)2.69%
Revenue beat(16)8
Avg Revenue beat(16)2.53%
PT rev (1m)3.33%
PT rev (3m)13.74%
EPS NQ rev (1m)-1.31%
EPS NQ rev (3m)-2.54%
EPS NY rev (1m)0.92%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)2.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 8.58 | ||
| P/S | 3.63 | ||
| P/FCF | 10.48 | ||
| P/OCF | 9.32 | ||
| P/B | 1.7 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.47
EY9.25%
EPS(NY)9.41
Fwd EY11.66%
FCF(TTM)7.71
FCFY9.54%
OCF(TTM)8.66
OCFY10.73%
SpS22.24
BVpS47.36
TBVpS44.5
PEG (NY)0.95
PEG (5Y)0.54
Graham Number89.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.75% | ||
| ROE | 16.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.39% | ||
| GM | N/A | ||
| FCFM | 34.64% |
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-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 186.82% | ||
| Cap/Sales | 4.31% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 100.74% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC17.46%
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)6.31%
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 1Y61.82%
FCF growth 3Y32.19%
FCF growth 5Y9.92%
OCF growth 1Y60.51%
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 3 / 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.