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Company Analysis

Axos Financial, Inc. AX

A comprehensive view of key metrics, scores, and financial health for Axos Financial, Inc.

Overview of Axos Financial, Inc.

AX NYQ
Financial Services Banks - Regional Mid Cap
Axos Financial, Inc. (AX), is a Mid Cap company, in the Banks - Regional industry, last closed at $84.68, about 38.0% overvalued vs fair value, +33.2% 1Y return, ranked 820/1004 in sector.
$84.68
0.02%
As of March 13, 2026
Previous close • Vol 90d: 34.0%
52-Week Range
Market Cap
$4.80B
Enterprise Value
$4.91B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://investors.axosfinancia...
HQ Las Vegas, NV
Employees 1,989
Fiscal year Jun 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$29
$53
$98
Current: $84.68 -38% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.8B
9.7%%
Interest Expense
$687.7M
Net Interest Income
$1.1B
17.3%%
Total Revenue
$1.2B
15.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
16.1%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$58.2M
13.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Axos Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
77
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
78
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing AX's balance between Growth (20.5%), Profitability (40.0%), and Safety (39.6%). Growth 20% Safety 40% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

48th percentile vs peers
49
Key Signals
Asset Growth YoY 8.4% 73p Revenue CAGR 3Y 20.8% 57p Rev Growth YoY 15.7% 22p
Strengths
  • Roe in top 20% of peers (17.4%, 95th percentile)
  • Operating Margin in top 20% of peers (48.5%, 95th percentile)
  • Roa in top 20% of peers (1.8%, 93th percentile)
Risks

No significant risks identified for this axis.

Profitability

95th percentile vs peers
95
Key Signals
Strengths
Risks
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Safety

94th percentile vs peers
95
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Axos Financial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$52.54
- - -
-38.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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