AXOS FINANCIAL INC (AX) Fundamental Analysis & Valuation

NYSE:AX • US05465C1009

Current stock price

95.5 USD
-2.17 (-2.22%)
At close:
95.5 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.
  • AX had positive earnings in each of the past 5 years.
  • In the past 5 years AX always reported a positive cash flow from operatings.
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

  • With an excellent Return On Assets value of 1.62%, AX belongs to the best of the industry, outperforming 90.19% of the companies in the same industry.
  • AX has a better Return On Equity (15.58%) than 94.16% of its industry peers.
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 87.80% 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 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
  • The number of shares outstanding for AX has been reduced compared to 5 years ago.
  • The debt/assets ratio for AX is higher compared to a year ago.
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's Debt to FCF ratio of 2.81 is in line compared to the rest of the industry. AX outperforms 40.58% of its industry peers.
  • AX has a Debt/Equity ratio of 0.40. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.40, AX is not doing good in the industry: 74.01% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.81
Altman-Z N/A
ROIC/WACCN/A
WACC16.41%
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

  • The Earnings Per Share has been growing slightly by 6.05% over the past year.
  • AX shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.06% yearly.
  • Looking at the last year, AX shows a quite strong growth in Revenue. The Revenue has grown by 10.25% in the last 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)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 16.65% on average over the next years. This is quite good.
  • Based on estimates for the next years, AX will show a quite strong growth in Revenue. The Revenue will grow by 13.71% on average per year.
EPS Next Y20.16%
EPS Next 2Y16.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.63%
Revenue Next 2Y13.71%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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 10

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5

4. AX Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.10, which indicates a correct valuation of AX.
  • The rest of the industry has a similar Price/Earnings ratio as AX.
  • AX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
  • AX is valuated reasonably with a Price/Forward Earnings ratio of 9.41.
  • AX's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AX is cheaper than 64.19% of the companies in the same industry.
  • AX is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.1
Fwd PE 9.41
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 in line with the industry average.
Industry RankSector Rank
P/FCF 12.85
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 16.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)0.6
EPS Next 2Y16.65%
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

  • AX does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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AX Fundamentals: All Metrics, Ratios and Statistics

AXOS FINANCIAL INC

NYSE:AX (4/24/2026, 8:22:21 PM)

After market: 95.5 0 (0%)

95.5

-2.17 (-2.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners83.86%
Inst Owner Change0.31%
Ins Owners5.09%
Ins Owner Change-0.73%
Market Cap5.41B
Revenue(TTM)1.34B
Net Income(TTM)456.63M
Analysts82.86
Price Target113.39 (18.73%)
Short Float %4.99%
Short Ratio6.34
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)-0.21%
PT rev (3m)7.67%
EPS NQ rev (1m)1.34%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)2.56%
EPS NY rev (3m)6.18%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)6.87%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)6.45%
Valuation
Industry RankSector Rank
PE 12.1
Fwd PE 9.41
P/S 4.04
P/FCF 12.85
P/OCF 11.29
P/B 1.85
P/tB 2
EV/EBITDA N/A
EPS(TTM)7.89
EY8.26%
EPS(NY)10.15
Fwd EY10.63%
FCF(TTM)7.43
FCFY7.78%
OCF(TTM)8.46
OCFY8.86%
SpS23.62
BVpS51.7
TBVpS47.79
PEG (NY)0.6
PEG (5Y)0.6
Graham Number95.7978 (0.31%)
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
WACC16.41%
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 Y20.16%
EPS Next 2Y16.65%
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 Year16.63%
Revenue Next 2Y13.71%
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 5 / 10 to AXOS FINANCIAL INC (AX). This can be considered as Fairly Valued.


What is the profitability of AX stock?

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


What are the PE and PB ratios of AXOS FINANCIAL INC (AX) stock?

The Price/Earnings (PE) ratio for AXOS FINANCIAL INC (AX) is 12.1 and the Price/Book (PB) ratio is 1.85.


What is the financial health of AXOS FINANCIAL INC (AX) stock?

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