AXOS FINANCIAL INC (AX) Stock Fundamental Analysis

NYSE:AX • US05465C1009

97.32 USD
+0.22 (+0.23%)
At close: Feb 20, 2026
97.32 USD
0 (0%)
After Hours: 2/20/2026, 8:17:58 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

AX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. There are concerns on the financial health of AX while its profitability can be described as average. AX is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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.
  • In the past 5 years AX has always been profitable.
  • 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

  • The Return On Assets of AX (1.62%) is better than 91.34% of its industry peers.
  • With an excellent Return On Equity value of 15.58%, AX belongs to the best 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

  • Looking at the Profit Margin, with a value of 34.11%, AX belongs to the top of the industry, outperforming 88.45% of the companies in the same industry.
  • 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) 34.11%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • AX does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for AX has been reduced compared to 1 year ago.
  • Compared to 5 years ago, AX has less shares outstanding
  • AX has a worse debt/assets ratio than last year.
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

  • The Debt to FCF ratio of AX is 2.81, which is a good value as it means it would take AX, 2.81 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 2.81, AX is not doing good in the industry: 60.89% of the companies in the same industry are doing better.
  • AX has a Debt/Equity ratio of 0.40. This is a healthy value indicating a solid balance between debt and equity.
  • AX has a Debt to Equity ratio of 0.40. This is in the lower half of the industry: AX underperforms 72.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.81
Altman-Z N/A
ROIC/WACCN/A
WACC16.07%
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

More info and screens

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

6

3. Growth

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.
  • AX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.25%.
  • The Revenue has been growing by 16.74% on average over the past years. This is quite good.
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 13.47% 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 Year16.78%
Revenue Next 2Y13.47%
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

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • AX is valuated correctly with a Price/Earnings ratio of 12.33.
  • 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 26.99.
  • With a Price/Forward Earnings ratio of 9.80, the valuation of AX can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, AX is valued a bit cheaper than the industry average as 70.87% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, AX is valued rather cheaply.
Industry RankSector Rank
PE 12.33
Fwd PE 9.8
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.09
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

  • 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 15.40% in the coming years.
PEG (NY)0.74
PEG (5Y)0.61
EPS Next 2Y15.4%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

AXOS FINANCIAL INC

NYSE:AX (2/20/2026, 8:17:58 PM)

After market: 97.32 0 (0%)

97.32

+0.22 (+0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners81.82%
Inst Owner Change0.75%
Ins Owners5.18%
Ins Owner Change-1.06%
Market Cap5.52B
Revenue(TTM)1.34B
Net Income(TTM)456.63M
Analysts83.08
Price Target112.61 (15.71%)
Short Float %4.16%
Short Ratio5.88
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)7.79%
PT rev (3m)6.67%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)1.37%
EPS NY rev (1m)3.2%
EPS NY rev (3m)4.81%
Revenue NQ rev (1m)7.42%
Revenue NQ rev (3m)7.36%
Revenue NY rev (1m)6.6%
Revenue NY rev (3m)6.44%
Valuation
Industry RankSector Rank
PE 12.33
Fwd PE 9.8
P/S 4.12
P/FCF 13.09
P/OCF 11.5
P/B 1.88
P/tB 2.04
EV/EBITDA N/A
EPS(TTM)7.89
EY8.11%
EPS(NY)9.93
Fwd EY10.21%
FCF(TTM)7.43
FCFY7.64%
OCF(TTM)8.46
OCFY8.69%
SpS23.62
BVpS51.7
TBVpS47.79
PEG (NY)0.74
PEG (5Y)0.61
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
WACC16.07%
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 Year16.78%
Revenue Next 2Y13.47%
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 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%.