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

Taking everything into account, AX scores 4 out of 10 in our fundamental rating. AX was compared to 381 industry peers in the Banks industry. While AX is still in line with the averages on profitability rating, there are concerns on its financial health. AX has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • AX had positive earnings in the past year.
  • In the past year AX had a positive cash flow from operations.
  • In the past 5 years AX has always been profitable.
  • AX had a positive operating cash flow in each of the past 5 years.
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.
  • The Return On Equity of AX (15.58%) is better than 93.70% 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

  • With an excellent Profit Margin value of 34.11%, AX belongs to the best 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.
  • 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

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.
  • 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

  • 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.
  • AX has a worse Debt to FCF ratio (2.81) than 60.89% of its industry peers.
  • A Debt/Equity ratio of 0.40 indicates that AX is not too dependend on debt financing.
  • AX has a worse Debt to Equity ratio (0.40) than 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

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

6

3. Growth

3.1 Past

  • AX shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.05%.
  • The Earnings Per Share has been growing by 20.06% on average over the past years. This is a very strong growth
  • AX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.25%.
  • AX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.74% yearly.
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

  • AX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.40% yearly.
  • 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

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

  • Based on the Price/Earnings ratio of 12.33, the valuation of AX can be described as correct.
  • AX's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, AX is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.80 indicates a reasonable valuation of AX.
  • AX's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AX is cheaper than 70.87% of the companies in the same industry.
  • AX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
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%.