AXOS FINANCIAL INC (AX) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AX - US05465C1009 - Common Stock
94.45 USD
+0.63 (+0.67%)
94.45 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to AX. AX was compared to 383 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.
1. Profitability
1.1 Basic Checks
- In the past year AX was profitable.
- In the past year AX had a positive cash flow from operations.
- AX had positive earnings in each of the past 5 years.
- AX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- AX has a Return On Assets of 1.58%. This is amongst the best in the industry. AX outperforms 89.30% of its industry peers.
- With an excellent Return On Equity value of 15.50%, AX belongs to the best of the industry, outperforming 93.99% 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
- The Profit Margin of AX (34.32%) is better than 89.30% 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.
- AX has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for AX has been reduced compared to 5 years ago.
- Compared to 1 year ago, AX has a worse debt to assets ratio.
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.
- With a Debt to FCF ratio value of 3.04, AX is not doing good in the industry: 62.66% of the companies in the same industry are doing better.
- 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 77.02% 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
WACC16.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for AX have decreased by -9.56% in the last year.
- 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 been growing slightly by 0.20% in the past 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
- AX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.42% yearly.
- AX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.57% yearly.
EPS Next Y13.16%
EPS Next 2Y13.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.56%
Revenue Next 2Y9.57%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.64, AX is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of AX is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, AX is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.84 indicates a reasonable valuation of AX.
- Based on the Price/Forward Earnings ratio, AX is valued a bit cheaper than the industry average as 63.45% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. AX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 9.84 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, AX is valued a bit cheaper than the industry average as 61.10% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.86 | ||
| 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.
- AX's earnings are expected to grow with 13.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.96
PEG (5Y)0.63
EPS Next 2Y13.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- AX does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
94.45
+0.63 (+0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners81.82%
Inst Owner Change0.08%
Ins Owners5.18%
Ins Owner Change0.18%
Market Cap5.35B
Revenue(TTM)1.26B
Net Income(TTM)432.92M
Analysts84.29
Price Target105.32 (11.51%)
Short Float %3.88%
Short Ratio6.53
Dividend
| Industry Rank | Sector 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)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)1.89%
PT rev (3m)1.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.03%
EPS NY rev (1m)0%
EPS NY rev (3m)2.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 9.84 | ||
| P/S | 4.24 | ||
| P/FCF | 10.86 | ||
| P/OCF | 9.94 | ||
| P/B | 1.92 | ||
| P/tB | 2.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.47
EY7.91%
EPS(NY)9.6
Fwd EY10.16%
FCF(TTM)8.69
FCFY9.2%
OCF(TTM)9.5
OCFY10.06%
SpS22.27
BVpS49.31
TBVpS45.22
PEG (NY)0.96
PEG (5Y)0.63
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
WACC16.42%
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 Y13.16%
EPS Next 2Y13.42%
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 Year9.56%
Revenue Next 2Y9.57%
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 of AXOS FINANCIAL INC (AX) stock?
ChartMill assigns a valuation rating of 5 / 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%.