AXOS FINANCIAL INC (AX)
US05465C1009 - Common Stock
Overall AX gets a fundamental rating of 5 out of 10. We evaluated AX against 412 industry peers in the Banks industry. AX has only an average score on both its financial health and profitability. AX is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year AX was profitable.
AX had a positive operating cash flow in the past year.
In the past 5 years AX has always been profitable.
In the past 5 years AX always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of AX (1.91%) is better than 95.15% of its industry peers.
The Return On Equity of AX (19.69%) is better than 96.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.91% | ||
| ROE | 19.69% | ||
| ROIC | N/A |
ROA(3y)1.47%
ROA(5y)1.42%
ROE(3y)15.35%
ROE(5y)15.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 38.28%, AX belongs to the best of the industry, outperforming 92.72% of the companies in the same industry.
In the last couple of years the Profit Margin of AX has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for AX so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 38.28% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.54%
PM growth 5Y-0.36%
GM growth 3YN/A
GM growth 5YN/A
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.
AX has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of AX is 1.53, which is an excellent value as it means it would take AX, only 1.53 years of fcf income to pay off all of its debts.
AX has a Debt to FCF ratio of 1.53. This is in the better half of the industry: AX outperforms 65.53% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that AX is not too dependend on debt financing.
AX has a Debt to Equity ratio (0.20) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.53 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 60.87% over the past year.
Measured over the past years, AX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.42% on average per year.
AX shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.99%.
AX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.51% yearly.
EPS 1Y (TTM)60.87%
EPS 3Y19.48%
EPS 5Y15.42%
EPS growth Q2Q46.97%
Revenue 1Y (TTM)28.99%
Revenue growth 3Y15.89%
Revenue growth 5Y15.51%
Revenue growth Q2Q27.5%
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 9.66% yearly.
AX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.41% yearly.
EPS Next Y50.97%
EPS Next 2Y19.15%
EPS Next 3Y9.66%
EPS Next 5YN/A
Revenue Next Year23.88%
Revenue Next 2Y13.52%
Revenue Next 3Y11.41%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
AX is valuated reasonably with a Price/Earnings ratio of 8.05.
Compared to the rest of the industry, the Price/Earnings ratio of AX indicates a somewhat cheap valuation: AX is cheaper than 74.76% of the companies listed in the same industry.
AX is valuated cheaply when we compare the Price/Earnings ratio to 28.02, which is the current average of the S&P500 Index.
AX is valuated reasonably with a Price/Forward Earnings ratio of 8.22.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AX indicates a rather cheap valuation: AX is cheaper than 80.34% of the companies listed 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 20.58.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 8.22 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AX is valued a bit more expensive than the industry average as 62.14% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.5 | ||
| EV/EBITDA | N/A |
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.
PEG (NY)0.16
PEG (5Y)0.52
EPS Next 2Y19.15%
EPS Next 3Y9.66%
5. Dividend
5.1 Amount
AX does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AXOS FINANCIAL INC
NYSE:AX (5/7/2024, 2:34:06 PM)
59.55
-0.13 (-0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.39B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 8.22 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.16
PEG (5Y)0.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.91% | ||
| ROE | 19.69% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 38.28% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)60.87%
EPS 3Y19.48%
EPS 5Y
EPS growth Q2Q
EPS Next Y50.97%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)28.99%
Revenue growth 3Y15.89%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y