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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 $98.89, about 46.9% overvalued vs fair value, +55.8% 1Y return, ranked 817/1037 in sector.
Metrics P/E 10.2× Rev Growth 15.7% ROE 17.4%
$98.89
0.39%
As of April 28, 2026
Previous close • Vol 90d: 33.7%
52-Week Range
Market Cap
$5.60B
Enterprise Value
$5.71B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Excellent
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Good
Profitability
Excellent
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 30 Call: Apr 29

Fair Value Snapshot

Bear Base Bull
$29
$53
$98
Current: $98.89 -47% 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

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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
79
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
78
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing AX's balance between Growth (38.7%), Profitability (45.5%), and Safety (15.9%). Growth 39% Safety 16% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

75th percentile vs peers
76
Key Signals
NII Growth YoY 17.3% 90p Asset Growth YoY 8.4% 73p Equity Growth YoY 17.0% 85p EPS Growth YoY -3.0% 44p
Strengths
  • NII Growth YoY in top 20% of peers (17.3%, 90th percentile)
  • Equity Growth YoY in top 20% of peers (17.0%, 85th percentile)
  • Net Interest Margin in top 20% of peers (4.5%, 93th percentile)
  • ROTE in top 20% of peers (18.7%, 91th percentile)
Risks

No significant risks identified for this axis.

Profitability

88th percentile vs peers
89
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
31
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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Bear
-
- - -
- upside
-
Base
$52.54
- - -
-46.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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