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AXAxos Financial, Inc.
$88.93$5.1B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
AX logo

Axos Financial, Inc.

AX
NYSE · Regional Banks
$88.93
At close - Oct 2, 4:00 PM EDT - USD
Market Cap$5.06B
P/E12.0x
52W High$105.74
Volume401.74K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q4

Securities Portfolio Growth Masks Margin and Fee Volatility

Axos Financial is demonstrating accelerating balance sheet growth, with total assets expanding 31.4% year-over-year to $30.0 billion, primarily through a significant build in investment securities. However, this growth appears to be accompanied by notable earn...

GrowthAccelerating
ProfitabilityModerate
ValuationReview
TechnicalsWeak
Explore valuation models
MARKET ACTION

AX price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

10/12 Beats

EPS beat 10 of last 12 quarters

02

Valuation risk

In Line

P/E is in line with peer median

03

Market leadership

RS 47 · Lag

Laggard (Underperforming 53% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 30

Market performance

Price History →

Trailing total returns as of 10/3/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
AX+1.77%
S&P 500 (^GSPC)+12.66%
1-Year Return
AX+5.61%
S&P 500 (^GSPC)+15.01%
3-Year Return
AX+137.53%
S&P 500 (^GSPC)+83.08%
5-Year Return
AX+65.98%
S&P 500 (^GSPC)+79.10%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
12.0x
Forward P/EExpansion
10.5x
EV/EBITDA80th %ile
5.4x
FCF YieldCash Flow
8.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.0x
9.0x
80th· High
EV/EBITDA
5.4x
4.2x
80th· High
Price/FCF
11.6x
11.1x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$77.84-12.5%
Base (Fair)$137.89+55.1%
Bull$211.09+137.4%
$77.84 Bear$137.89 Base$211.09 Bull
Current Market Price: $88.93
Trades at a 35.5% discount to Base DCF ($137.89)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.24B+15.7% YoY
Net income
$433M-3.8% YoY
Free cash flow
$436M+61.8% YoY
Operating margin
49.4%-9.8 pts YoY
ROIC (TTM)16%
Avg ROIC 5Y-
ROE (TTM)17.4%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate10/12 (83%)
Revenue Beat Rate11/12 (92%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 30, 2026
$2.20+1.9%
vs $2.16
$380M+1.1%
vs $376M
Q2 2026
Apr 30, 2026
$1.90-10.8%
vs $2.13
$392M+5.3%
vs $373M
Q1 2026
Jan 29, 2026
$2.25+8.7%
vs $2.07
$385M+10.9%
vs $347M
Q4 2025
Oct 30, 2025
$2.07+11.3%
vs $1.86
$323M+1.3%
vs $319M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·Sep 25, 2026
Axos Financial, Inc $AX Shares Newly Purchased by Bank of America Corp DE

Bank of America Corp DE purchased a new position in shares of Axos Financial, Inc (NYSE: AX) in the undefined quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The institutional investor purchased 168,773 shares of the company's stock, valued at approximately $16,437,000. Bank of America Corp DE

Zacks Investment Research·Sep 24, 2026
Down 10.7% in 4 Weeks, Here's Why Axos Financial (AX) Looks Ripe for a Turnaround

Axos Financial (AX) is technically in oversold territory now, so the heavy selling pressure might have exhausted. This along with strong agreement among Wall Street analysts in raising earnings estimates could lead to a trend reversal for the stock.

GuruFocus·Sep 21, 2026
LG Display launches 24.5-inch 720Hz Gaming OLED Panel

LG Display launches 24.5-inch 720Hz Gaming OLED PanelPR NewswireSEOUL, South Korea, Sept. 20, 2026SEOUL, South Korea, Sept. 20, 2026 /PRNewswire/ -- LG Display,

GuruFocus·Sep 16, 2026
Fujitsu evolves Uvance business model for AI transformation

KAWASAKI, Japan, Sept 16, 2026 - (JCN Newswire) - Fujitsu Limited today announced the evolution of its Uvance business model to address an era in which AI is fu

Filtered for Axos Financial, Inc.More Headlines
04

Compare before deciding

Benchmark AX against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Axos Financial, Inc. (AX)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
AX logoAXAxos Financial, Inc.Current
$88.93$5.06B11.9715.68%34.86%17.42%—
WAL logoWALWestern Alliance Bancorporation
$76.38$8.34B8.7511.43%19.29%12.51%—
CUBI logoCUBICustomers Bancorp, Inc.
$75.47$2.55B12.1717.16%32.97%13.57%—
BANR logoBANRBanner Corporation
$67.88$2.31B12.04-0.08%31.24%10.65%—
ALLY logoALLYAlly Financial Inc.
$37.91$11.53B16.00-35.42%9.18%9.42%—
SLM logoSLMSLM Corporation
$22.75$4.28B6.577.32%23.97%30.31%—

Compare AX vs Peers

Axos Financial, Inc. (AX) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WAL

Most directly comparable listed peer for AX.

Scale Benchmark

vs FISV

Larger-name benchmark to compare AX against a more recognizable public peer.

Peer Set

Compare Top 5

vs WAL, CUBI, BANR, ALLY

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

AX SEC Filings & Documents

Axos Financial, Inc. (AX) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 6, 2026·SEC

Material company update

Jul 30, 2026·SEC

Material company update

Jul 7, 2026·SEC

10-K Annual Reports

2
FY 2026

Aug 20, 2026·SEC

FY 2025

Aug 21, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 30, 2026·SEC

FY 2026

Jan 29, 2026·SEC

FY 2025

Oct 30, 2025·SEC

Get notified when AX posts new earnings or crosses analyst targets

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AX Frequently Asked Questions

Axos Financial, Inc. (AX) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Axos Financial, Inc. growing?

Axos Financial, Inc. (AX) grew revenue by 15.7% over the past year. This is strong growth.

Is AX profitable?

Yes, Axos Financial, Inc. (AX) is profitable, generating $490.4M in net income for fiscal year 2025 (34.9% net margin).

Dividend & Returns
What is AX's return on equity?

Axos Financial, Inc. (AX) has a return on equity (ROE) of 17.4%. This is reasonable for most industries.

Industry Metrics
What is Axos Financial, Inc.'s net interest margin?

Axos Financial, Inc. (AX) has a net interest margin (NIM) of 4.6%. This indicates healthy earnings from lending activities.

What is Axos Financial, Inc.'s efficiency ratio?

Axos Financial, Inc. (AX) has an efficiency ratio of 46.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in AX back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →