Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.97 | 11.27 | 9.89 | 9.70 | 10.91 | 9.90 | 8.91 | 9.70 | 8.15 | 7.94 | 7.07 | 5.21 | 6.86 | 6.75 | 6.99 | 7.08 | 8.82 | 9.34 | 11.37 | 13.98 | 13.02 |
| — | +13.8% | +11.0% | +0.0% | +33.9% | +24.7% | +26.0% | +86.2% | +18.8% | +17.5% | +1.2% | -26.4% | -22.3% | -27.7% | -38.5% | -49.4% | -32.2% | -27.6% | -13.9% | +35.6% | +96.5% | |
| P/S Ratio | 4.07 | 3.62 | 3.13 | 3.29 | 3.86 | 3.45 | 3.08 | 3.35 | 2.89 | 2.89 | 2.70 | 3.11 | 2.34 | 2.53 | 2.46 | 2.58 | 2.53 | 2.87 | 4.02 | 4.92 | 4.61 |
| — | +5.0% | +1.6% | -1.6% | +33.6% | +19.2% | +14.1% | +7.7% | +23.4% | +14.5% | +10.0% | +20.7% | -7.3% | -11.8% | -39.0% | -47.6% | -45.2% | -36.6% | -11.6% | +40.0% | +112.6% | |
| P/B Ratio | 1.93 | 1.78 | 1.60 | 1.71 | 1.77 | 1.63 | 1.44 | 1.61 | 1.52 | 1.45 | 1.43 | 1.52 | 1.15 | 1.23 | 1.21 | 1.29 | 1.22 | 1.32 | 1.77 | 2.23 | 2.14 |
| — | +8.8% | +11.2% | +6.2% | +16.1% | +12.5% | +1.0% | +6.0% | +32.7% | +18.1% | +17.7% | +17.6% | -5.9% | -6.7% | -31.6% | -42.0% | -43.2% | -34.4% | -16.1% | +27.4% | +89.8% | |
| P/FCF | 11.60 | 7.11 | 17.59 | 14.69 | 11.28 | 6.77 | 14.42 | 6.50 | 17.25 | 24.97 | 7.31 | 7.32 | 20.44 | 10.12 | — | 5.77 | 8.23 | 3.99 | 5.06 | 16.37 | — |
| — | +5.0% | +22.0% | +125.9% | -34.6% | -72.9% | +97.4% | -11.2% | -15.6% | +146.8% | — | +26.9% | +148.4% | +153.4% | — | -64.7% | — | -44.1% | -82.1% | +522.0% | — | |
| EV / EBITDA | 5.44 | 7.64 | 8.75 | 6.45 | 5.88 | 4.31 | 3.54 | 3.25 | 2.24 | 2.90 | 2.19 | 2.26 | 1.29 | 1.17 | 0.70 | 2.01 | 3.48 | 4.21 | 6.30 | 7.81 | 6.98 |
| — | +77.5% | +147.3% | +98.2% | +163.0% | +48.6% | +61.4% | +43.8% | +73.3% | +147.8% | +211.6% | +12.4% | -63.0% | -72.2% | -88.8% | -74.2% | -50.1% | -46.9% | -4.6% | +57.6% | +99.5% | |
| EV / EBIT | 5.70 | 8.96 | 9.93 | 7.30 | 6.21 | 4.52 | 3.70 | 3.41 | 2.34 | 3.05 | 2.29 | 2.33 | 1.35 | 1.23 | 0.74 | 2.11 | 3.74 | 4.66 | 6.75 | 8.56 | 7.48 |
| — | +98.2% | +168.2% | +114.3% | +165.2% | +48.3% | +61.4% | +46.2% | +72.8% | +148.6% | +210.7% | +10.2% | -63.8% | -73.7% | -89.1% | -75.3% | -50.0% | -47.4% | -8.1% | +55.9% | +91.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.5% | 95.4% | 89.5% | 93.4% | 94.6% | 95.3% | 95.2% | 96.0% | 95.6% | 97.9% | 97.9% | 94.7% | 97.1% | 97.0% | 97.6% | 98.7% | 95.7% | 96.8% | 97.4% | 97.7% | 97.6% |
| — | +0.1% | -6.0% | -2.6% | -1.0% | -2.7% | -2.7% | +1.3% | -1.6% | +0.9% | +0.4% | -4.0% | +1.4% | +0.2% | +0.2% | +1.0% | -2.0% | -2.4% | -0.9% | +2.8% | +5.4% | |
| Operating Margin | 49.4% | 40.2% | 42.1% | 46.1% | 47.0% | 49.1% | 48.6% | 49.5% | 50.3% | 50.3% | 53.6% | 85.5% | 48.9% | 50.2% | 50.3% | 52.2% | 40.4% | 43.3% | 49.8% | 50.0% | 50.1% |
| — | -18.2% | -13.3% | -6.9% | -6.7% | -2.3% | -9.3% | -42.1% | +2.9% | +0.1% | +6.5% | +63.7% | +20.9% | +15.9% | +1.1% | +4.4% | -19.3% | -10.7% | +2.3% | +2.1% | +6.4% | |
| Net Margin | 34.9% | 32.2% | 31.8% | 33.7% | 35.2% | 34.9% | 34.5% | 34.5% | 35.5% | 36.5% | 38.1% | 59.7% | 34.2% | 37.5% | 35.0% | 36.3% | 28.5% | 30.7% | 35.4% | 35.2% | 35.6% |
| — | -7.8% | -8.0% | -2.2% | -0.9% | -4.5% | -9.5% | -42.2% | +3.8% | -2.6% | +8.8% | +64.2% | +20.0% | +22.1% | -1.0% | +3.2% | -19.8% | -12.1% | +3.1% | +3.0% | +7.9% |
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 17.4% | 4.0% | 4.2% | 4.5% | 4.1% | 4.2% | 4.1% | 4.2% | 4.8% | 4.7% | 5.2% | 7.5% | 4.2% | 4.6% | 4.4% | 4.7% | 3.5% | 3.6% | 4.0% | 4.1% | 4.2% |
| — | -4.3% | +1.3% | +5.6% | -14.2% | -10.4% | -20.8% | -43.2% | +12.7% | +0.6% | +17.8% | +60.1% | +21.5% | +29.5% | +10.6% | +14.7% | -17.0% | -9.2% | -2.4% | -6.1% | -2.0% | |
| ROA | 1.8% | 0.4% | 0.4% | 0.5% | 0.4% | 0.5% | 0.4% | 0.4% | 0.5% | 0.5% | 0.5% | 0.7% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% |
| — | -7.0% | -1.6% | +4.2% | -11.1% | -1.5% | -11.8% | -38.1% | +20.6% | +5.9% | +20.6% | +62.9% | +23.2% | +26.1% | +6.1% | +10.0% | -21.1% | -7.4% | +6.5% | +1.2% | +6.0% | |
| ROIC | 16.0% | 2.3% | 2.5% | 3.2% | 3.1% | 3.8% | 3.7% | 3.9% | 4.3% | 4.1% | 4.6% | 6.5% | 3.6% | 3.8% | 3.8% | 3.9% | 2.8% | 2.8% | 3.2% | 3.4% | 3.3% |
| — | -39.7% | -32.7% | -18.1% | -27.9% | -5.8% | -18.4% | -39.6% | +19.3% | +7.5% | +18.8% | +64.7% | +29.8% | +33.6% | +19.2% | +16.0% | -15.5% | -3.2% | +6.3% | +10.2% | +6.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.14 | 0.34 | 0.92 | 0.38 | 0.48 | 0.14 | 0.17 | 0.17 | 0.17 | 0.18 | 0.19 | 0.21 | 0.27 | 0.24 | 0.23 | 0.24 | 0.32 | 0.34 | 0.34 | 0.27 | 0.28 |
| — | +143.9% | +447.2% | +129.5% | +188.7% | -23.4% | -12.2% | -20.0% | -38.4% | -23.0% | -16.8% | -14.6% | -14.0% | -31.2% | -31.7% | -11.5% | +11.7% | -16.5% | -15.8% | -41.2% | -49.7% | |
| Debt / EBITDA | 0.58 | 5.87 | 15.02 | 5.62 | 8.55 | 2.28 | 2.82 | 2.66 | 2.42 | 2.74 | 2.58 | 1.93 | 4.34 | 3.68 | 3.53 | 3.52 | 6.05 | 6.22 | 5.73 | 4.42 | 4.55 |
| — | +157.7% | +432.0% | +111.1% | +253.0% | -16.7% | +9.3% | +38.2% | -44.1% | -25.7% | -26.7% | -45.4% | -28.4% | -40.8% | -38.5% | -20.2% | +33.1% | -8.9% | -10.0% | -36.1% | -44.7% | |
| Current Ratio | 0.11 | 0.07 | 0.09 | 0.06 | 0.14 | 0.11 | 0.12 | 0.15 | 0.15 | 0.12 | 0.13 | 0.11 | 0.15 | 0.17 | 0.17 | 0.14 | 0.13 | 0.13 | 0.13 | 0.11 | 0.13 |
| — | -34.4% | -25.0% | -57.6% | -7.6% | -8.4% | -10.4% | +30.4% | -2.3% | -26.1% | -21.0% | -20.9% | +15.3% | +27.4% | +30.4% | +26.6% | +1.9% | +15.9% | -7.8% | -17.0% | -0.1% | |
| Quick Ratio | 0.11 | 0.07 | 0.09 | 0.06 | 0.14 | 0.11 | 0.12 | 0.15 | 0.15 | 0.12 | 0.13 | 0.11 | 0.15 | 0.17 | 0.17 | 0.14 | 0.13 | 0.13 | 0.13 | 0.11 | 0.13 |
| — | -34.4% | -25.0% | -57.6% | -7.6% | -8.4% | -10.4% | +30.4% | -2.3% | -26.1% | -21.0% | -20.9% | +15.3% | +27.4% | +30.4% | +26.6% | +1.9% | +15.9% | -7.8% | -17.0% | -0.1% | |
| Interest Coverage | 0.89 | 0.86 | 0.96 | 0.96 | 0.86 | 0.96 | 0.94 | 0.85 | 0.83 | 0.75 | 0.85 | 1.31 | 0.77 | 0.82 | 1.06 | 1.47 | 1.91 | 4.36 | 8.17 | 7.50 | 7.28 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying AX stock.
Axos Financial, Inc.'s current P/E is 12.0x. The average P/E over the last 4 quarters is 10.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Axos Financial, Inc.'s current operating margin is 49.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Axos Financial, Inc.'s business trajectory between earnings reports.