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AXOS FINANCIAL INC (AX) Stock Fundamental Analysis

NYSE:AX - New York Stock Exchange, Inc. - US05465C1009 - Common Stock - Currency: USD

65.5  +2.02 (+3.18%)

After market: 65.5 0 (0%)

Fundamental Rating

4

AX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. AX has only an average score on both its financial health and profitability. AX has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

The Return On Assets of AX (1.82%) is better than 95.23% of its industry peers.
Looking at the Return On Equity, with a value of 17.15%, AX belongs to the top of the industry, outperforming 95.73% of the companies in the same industry.
Industry RankSector Rank
ROA 1.82%
ROE 17.15%
ROIC N/A
ROA(3y)1.62%
ROA(5y)1.54%
ROE(3y)16.77%
ROE(5y)16.12%
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 5 10 15

1.3 Margins

AX has a Profit Margin of 35.63%. This is amongst the best in the industry. AX outperforms 92.71% of its industry peers.
AX's Profit Margin has improved in the last couple of years.
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) 35.63%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.33%
PM growth 5Y3.82%
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 10 20 30

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4

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.
AX has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AX has an improved debt to assets ratio.
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

The Debt to FCF ratio of AX is 1.42, which is an excellent value as it means it would take AX, only 1.42 years of fcf income to pay off all of its debts.
AX has a Debt to FCF ratio of 1.42. This is in the better half of the industry: AX outperforms 63.57% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that AX is not too dependend on debt financing.
AX's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. AX outperforms 47.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.42
Altman-Z N/A
ROIC/WACCN/A
WACC19.26%
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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5

3. Growth

3.1 Past

AX shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.41%.
Measured over the past years, AX shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.35% on average per year.
Looking at the last year, AX shows a very strong growth in Revenue. The Revenue has grown by 31.04%.
AX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.23% yearly.
EPS 1Y (TTM)-0.41%
EPS 3Y29.14%
EPS 5Y23.35%
EPS Q2Q%-5.24%
Revenue 1Y (TTM)31.04%
Revenue growth 3Y22.51%
Revenue growth 5Y19.23%
Sales Q2Q%4.77%

3.2 Future

AX is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.05% yearly.
Based on estimates for the next years, AX will show a quite strong growth in Revenue. The Revenue will grow by 8.39% on average per year.
EPS Next Y-3.65%
EPS Next 2Y-0.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.66%
Revenue Next 2Y8.39%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 200M 400M 600M 800M 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 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.92, the valuation of AX can be described as reasonable.
Based on the Price/Earnings ratio, AX is valued cheaply inside the industry as 84.67% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of AX to the average of the S&P500 Index (27.85), we can say AX is valued rather cheaply.
A Price/Forward Earnings ratio of 8.50 indicates a reasonable valuation of AX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AX indicates a somewhat cheap valuation: AX is cheaper than 70.60% of the companies listed in the same industry.
AX is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.92
Fwd PE 8.5
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

The rest of the industry has a similar Price/Free Cash Flow ratio as AX.
Industry RankSector Rank
P/FCF 10.72
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

PEG (NY)N/A
PEG (5Y)0.38
EPS Next 2Y-0.05%
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 (5/1/2025, 8:46:28 PM)

After market: 65.5 0 (0%)

65.5

+2.02 (+3.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners85.39%
Inst Owner Change0.04%
Ins Owners9.72%
Ins Owner Change-3.48%
Market Cap3.74B
Analysts82.86
Price Target84.51 (29.02%)
Short Float %6.62%
Short Ratio7.79
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
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)2.67%
Min EPS beat(2)-0.08%
Max EPS beat(2)5.42%
EPS beat(4)2
Avg EPS beat(4)2.68%
Min EPS beat(4)-3.64%
Max EPS beat(4)9.04%
EPS beat(8)5
Avg EPS beat(8)14%
EPS beat(12)7
Avg EPS beat(12)8.12%
EPS beat(16)10
Avg EPS beat(16)6.65%
Revenue beat(2)0
Avg Revenue beat(2)-1.73%
Min Revenue beat(2)-1.91%
Max Revenue beat(2)-1.55%
Revenue beat(4)1
Avg Revenue beat(4)-2.23%
Min Revenue beat(4)-5.9%
Max Revenue beat(4)0.44%
Revenue beat(8)4
Avg Revenue beat(8)3.76%
Revenue beat(12)7
Avg Revenue beat(12)3.75%
Revenue beat(16)8
Avg Revenue beat(16)2.26%
PT rev (1m)-0.85%
PT rev (3m)1.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.32%
EPS NY rev (1m)0%
EPS NY rev (3m)2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.18%
Valuation
Industry RankSector Rank
PE 8.92
Fwd PE 8.5
P/S 3.08
P/FCF 10.72
P/OCF 9.55
P/B 1.48
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)7.34
EY11.21%
EPS(NY)7.7
Fwd EY11.76%
FCF(TTM)6.11
FCFY9.33%
OCF(TTM)6.86
OCFY10.47%
SpS21.27
BVpS44.17
TBVpS41.27
PEG (NY)N/A
PEG (5Y)0.38
Profitability
Industry RankSector Rank
ROA 1.82%
ROE 17.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.63%
GM N/A
FCFM 28.73%
ROA(3y)1.62%
ROA(5y)1.54%
ROE(3y)16.77%
ROE(5y)16.12%
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 3Y4.33%
PM growth 5Y3.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.42
Debt/EBITDA N/A
Cap/Depr 146.57%
Cap/Sales 3.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 80.64%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC19.26%
ROIC/WACCN/A
Cap/Depr(3y)116.41%
Cap/Depr(5y)88.56%
Cap/Sales(3y)3.12%
Cap/Sales(5y)2.62%
Profit Quality(3y)63.23%
Profit Quality(5y)104.96%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.41%
EPS 3Y29.14%
EPS 5Y23.35%
EPS Q2Q%-5.24%
EPS Next Y-3.65%
EPS Next 2Y-0.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.04%
Revenue growth 3Y22.51%
Revenue growth 5Y19.23%
Sales Q2Q%4.77%
Revenue Next Year11.66%
Revenue Next 2Y8.39%
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 1Y-19.45%
FCF growth 3Y-12.49%
FCF growth 5Y7.9%
OCF growth 1Y-14.83%
OCF growth 3Y-9.53%
OCF growth 5Y8.37%