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AXOS FINANCIAL INC (AX) Stock Fundamental Analysis

NYSE:AX - US05465C1009 - Common Stock

91.15 USD
+0.98 (+1.09%)
Last: 8/26/2025, 8:16:00 PM
91.15 USD
0 (0%)
After Hours: 8/26/2025, 8:16:00 PM
Fundamental Rating

3

Taking everything into account, AX scores 3 out of 10 in our fundamental rating. AX was compared to 393 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.


Dividend Valuation Growth Profitability Health

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5

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.
Of the past 5 years AX 4 years 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 2025 100M 200M 300M 400M

1.2 Ratios

AX has a better Return On Assets (1.78%) than 94.91% of its industry peers.
With an excellent Return On Equity value of 16.40%, AX belongs to the best of the industry, outperforming 95.93% of the companies in the same industry.
Industry RankSector Rank
ROA 1.78%
ROE 16.4%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 2025 5 10 15

1.3 Margins

AX has a Profit Margin of 34.77%. This is amongst the best in the industry. AX outperforms 91.86% 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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

AX has a debt to FCF ratio of 1.59. This is a very positive value and a sign of high solvency as it would only need 1.59 years to pay back of all of its debts.
AX has a Debt to FCF ratio (1.59) which is in line with its industry peers.
AX has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
AX's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. AX outperforms 44.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.59
Altman-Z N/A
ROIC/WACCN/A
WACC16.76%
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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4

3. Growth

3.1 Past

AX shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.24%.
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.
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)-3.24%
EPS 3Y23.4%
EPS 5Y20.06%
EPS Q2Q%6.67%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y20.44%
Revenue growth 5Y16.74%
Sales Q2Q%10.49%

3.2 Future

The Earnings Per Share is expected to grow by 8.81% on average over the next years. This is quite good.
AX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.51% yearly.
EPS Next Y10.18%
EPS Next 2Y8.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.44%
Revenue Next 2Y6.51%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

Based on the Price/Earnings ratio of 12.22, the valuation of AX can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as AX.
The average S&P500 Price/Earnings ratio is at 27.08. AX is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.09 indicates a reasonable valuation of AX.
The rest of the industry has a similar Price/Forward Earnings ratio as AX.
The average S&P500 Price/Forward Earnings ratio is at 22.67. AX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.22
Fwd PE 11.09
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

AX's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AX is more expensive than 62.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.72
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

AX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.2
PEG (5Y)0.61
EPS Next 2Y8.81%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

AX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AXOS FINANCIAL INC

NYSE:AX (8/26/2025, 8:16:00 PM)

After market: 91.15 0 (0%)

91.15

+0.98 (+1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-28 2025-10-28/amc
Inst Owners83.31%
Inst Owner Change-2.85%
Ins Owners4.7%
Ins Owner Change-1.78%
Market Cap5.15B
Analysts84.29
Price Target101.32 (11.16%)
Short Float %4.08%
Short Ratio5.87
Dividend
Industry RankSector 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)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)9.16%
PT rev (3m)22.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.65%
EPS NY rev (1m)2.14%
EPS NY rev (3m)4.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.1%
Revenue NY rev (1m)0.82%
Revenue NY rev (3m)0.59%
Valuation
Industry RankSector Rank
PE 12.22
Fwd PE 11.09
P/S 4.19
P/FCF 16.72
P/OCF 14.68
P/B 1.98
P/tB 2.11
EV/EBITDA N/A
EPS(TTM)7.46
EY8.18%
EPS(NY)8.22
Fwd EY9.02%
FCF(TTM)5.45
FCFY5.98%
OCF(TTM)6.21
OCFY6.81%
SpS21.75
BVpS46.1
TBVpS43.21
PEG (NY)1.2
PEG (5Y)0.61
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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y0.98%
PM growth 5Y1.75%
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
WACC16.76%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3.24%
EPS 3Y23.4%
EPS 5Y20.06%
EPS Q2Q%6.67%
EPS Next Y10.18%
EPS Next 2Y8.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.31%
Revenue growth 3Y20.44%
Revenue growth 5Y16.74%
Sales Q2Q%10.49%
Revenue Next Year5.44%
Revenue Next 2Y6.51%
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 1Y4.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y6.12%
OCF growth 3YN/A
OCF growth 5YN/A