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AXOS FINANCIAL, INC

AX Financial Banks Regional

AXOS FINANCIAL, INC’s revenue for fiscal 2026 (year ended June 2026) was $2.2 billion, up 12.5% from fiscal 2025.

Revenue
+16.6%
EPS
+14.8%
Free cash flow
+115.5%
Total debt
−27.0%

Quarter to September 2026, against a year earlier

92.56 2.01 −2.13%
Market cap
$5.2B
P/E
10.3×
Fwd P/E
9.1×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 7.23
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 2 — 6 — — 2 1 — 1 — — —
Insider Ownership 4.54%

Capital & Financial Ratios $m

Size
Market Cap 5,240.00
Revenue ttm 2,273.35
Net income ttm 507.67
Free cash flow ttm 417.32
Net debt Q (783.71)
Valuation
P/E 10.34
Forward P/E 9.10
Price / sales 2.31
Forward P/S Powerpack
Price / FCF 12.59
Price / book 1.60
Financial health
Current ratio Q 1.08
Debt / equity Q 0.33
Interest coverage Q —
Growth
Revenue growth Q +16.63% (above 0%: growing)
Operating income growth Q +16.43% (above 0%: growing)
EPS, this year +13.66%
EPS, next year A +13.19%
Revenue, next year A −24.08% (below 0%: weak)
EPS, past 5 yrs +18.96% (at or above 15%: strong)
EPS, next 5 yrs A +12.75%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 40.41%
10-year low 10-year high
P/S against its own 10 years 28.82%
10-year low 10-year high
P/B against its own 10 years 38.32%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 2,186 2,177 1,308 1,877
Receivables — — — —
Inventory — — — —
Other — — — —
21,674 23,489 27,272 28,127
2024 2025 2026 Q'26
Payables 19,774 21,240 25,161 26,016
ST’ Debt — — — —
Other — — — —
19,774 21,240 25,161 26,016

Compound Annual Growth %

10y 5y 3y
Sales 19.02% 24.82% 19.69%
Cash Flow 12.82% 6.21% 41.53%
Earnings 15.21% 17.87% 16.87%
Book Value 16.57% 17.71% 18.21%

Earnings Trends EPS, adjusted, against the consensus

Q1 FY26 Estimate 2.25 Actual 2.34

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY26 2.07 2.25 Beat by 0.18
Q3 FY26 2.13 1.90 Miss by 0.23
Q4 FY26 2.15 2.53 Beat by 0.38
Q1 FY26 2.25 2.34 Beat by 0.09
Q2 FY26 2.37 — Reports 4 February 2027

EPS $

Sep Dec Mar Jun Year
’26 2.25 — — — —
’26 1.94 2.22 2.15 2.16 8.48
’25 1.93 1.80 1.81 1.92 7.43
’24 1.38 2.62 1.91 1.80 7.66
’23 0.97 1.35 1.32 1.46 5.07
’22 0.99 1.00 1.02 0.96 3.97
’21 0.88 0.91 0.89 0.90 3.56
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 581 — — — —
’26 498 567 564 561 2,191
’25 513 484 466 484 1,947
’24 398 519 477 484 1,878
’23 251 308 340 379 1,278
’22 185 188 189 211 773
’21 186 184 180 174 723
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 295 — — — —
’26 118 104 42 293 558
’25 71 163 74 183 490
’24 34 119 116 37 305
’23 71 106 (58) 77 197
’22 (129) 57 142 147 217
’21 66 218 28 100 413
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 235 — — — —
’26 109 85 (101) 198 291
’25 53 156 65 162 436
’24 28 108 107 26 270
’23 63 100 (64) 67 166
’22 (133) 52 139 137 195
’21 65 214 25 98 402
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Sep ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 455 546 648 726 723 773 1,278 1,878 1,947 2,191 2,273 +19.1% 1,663 1,805 1,622 (9.5%)
Gross margin, % 83.74 80.48 75.87 79.99 89.06 93.20 70.73 63.04 64.67 67.59 68.28 (16.2) pt
EBT 233 240 213 263 306 340 432 635 613 647 672 +12.0%
EBT margin, % 51.09 43.90 32.86 36.18 42.28 43.97 33.79 33.83 31.51 29.52 29.56 (21.6) pt
Net income 135 152 155 183 216 241 307 450 433 490 508 +15.4%
Per share, $
Per share, $ Revenue 7.15 8.65 10.46 11.94 12.21 12.99 21.40 32.66 34.23 38.66 40.05 +20.6%
Earnings 2.07 2.36 2.50 3.01 3.64 4.04 5.15 7.82 7.61 8.66 8.95 +17.2%
Cash flow 3.12 2.66 3.30 4.67 6.97 3.64 3.30 5.31 8.62 9.84 12.93 +13.6%
Capex (0.14) (0.19) (0.32) (0.20) (0.18) (0.36) (0.51) (0.63) (0.95) (4.70) (5.58) +48.1%
Free cash flow 2.98 2.47 2.98 4.47 6.79 3.28 2.79 4.69 7.67 5.14 7.35 +6.2%
Book value 13.11 15.21 17.34 20.25 23.65 27.60 32.12 39.83 47.14 55.89 57.95 +17.5%
Shares, m 64 63 62 61 59 60 60 58 57 57 57 (1.3%)
Valuation, ×
Valuation, × P/E 11.40 17.49 10.80 7.34 12.71 8.87 7.66 7.33 10.01 11.25 10.34 10.5
P/S 3.32 4.79 2.58 1.85 3.80 2.76 1.84 1.76 2.22 2.52 2.31 2.7
P/B 1.82 2.74 1.57 1.10 1.96 1.30 1.23 1.44 1.61 1.74 1.60 1.7
EV/Sales 2.00 3.75 1.82 (0.16) 3.68 1.91 0.39 0.81 1.34 2.43 — 1.8
EV/FCF 4.81 13.12 6.41 (0.43) 6.61 7.57 2.96 5.62 5.96 18.29 — 7.1
Cash, $m
Cash, $m Operating cash flow 198 168 204 284 413 217 197 305 490 558 734 +12.2%
Capex (9) (12) (20) (12) (10) (22) (30) (36) (54) (266) (317) +46.2%
Free cash flow 190 156 184 272 402 195 166 270 436 291 417 +4.9%
Balance, $m
Balance, $m Working capital 1,100 1,025 1,398 1,360 1,841 1,891 1,863 1,900 2,250 2,111 2,111 +7.5%
Net debt (597) (568) (490) (1,459) (89) (657) (1,861) (1,786) (1,725) (194) (784) (11.7%)
Shareholders’ equity 834 961 1,073 1,231 1,401 1,643 1,917 2,291 2,681 3,166 3,289 +16.0%
Returns, %
Returns, % ROA 1.67 1.69 1.49 1.46 1.53 1.52 1.63 2.08 1.82 1.79 1.74 +0.1 pt
ROIC 61.41 38.20 23.12 0.00 15.10 22.51 497.51 81.02 41.23 13.97 17.21 (47.4) pt
ROE 17.83 17.05 15.30 15.97 16.41 15.82 17.26 21.39 17.42 16.77 16.69 (1.1) pt
People
People Employees 681 801 1,007 1,099 1,165 1,335 1,455 1,781 1,989 2,191 — +13.9%
Revenue/emp, $m 0.67 0.68 0.64 0.66 0.62 0.58 0.88 1.05 0.98 1.00 — +4.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

AXOS FINANCIAL, INC vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HOMB Home BancShares, Inc. $6.0B 12.3× 11.9× +1.68% (above 0%: growing) +3.17% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00% Compare
HWC Hancock Whitney Corporation $5.7B 14.3× 14.0× +7.54% (above 0%: growing) −8.05% (below 0%: shrinking) +23.30% (above 0%: growing) 75.86% 0.00% Compare
ASB Associated Banc-Corp $5.7B 10.5× 10.6× +12.99% (above 0%: growing) +5.48% (above 0%: growing) +117.24% (above 0%: growing) 64.43% 0.00% Compare
IFS Intercorp Financial Services Inc. $5.6B 13.8× — (loss-making) +18.27% (above 0%: growing) +106.49% (above 0%: growing) +720.11% (above 0%: growing) 75.55% 0.00% Compare
OZK Bank OZK $5.6B 8.6× 8.6× −5.02% (below 0%: shrinking) −6.25% (below 0%: shrinking) +47.62% (above 0%: growing) 63.26% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.5B 10.7× 10.1× +0.13% (above 0%: growing) +50.79% (above 0%: growing) +18.83% (above 0%: growing) 68.93% 0.00% Compare
ABCB Ameris Bancorp $5.5B 14.3× 14.2× +1.71% (above 0%: growing) +12.26% (above 0%: growing) +31.88% (above 0%: growing) 73.36% 0.00% Compare
AX AXOS FINANCIAL, INC $5.2B 10.3× 9.1× +16.63% (above 0%: growing) +14.79% (above 0%: growing) +115.45% (above 0%: growing) 68.01% 0.00%
EBC Eastern Bankshares, Inc. $5.2B 13.1× 12.5× +27.06% (above 0%: growing) −3.77% (below 0%: shrinking) +25.53% (above 0%: growing) 74.39% 0.00% Compare
Median of peers $5.6B 12.7× 11.9× +4.63% +4.33% +28.71% 73.88% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 24 September 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2026 12.05m 23.99m 209.94
2025 11.69m 22.67m 163.91
2024 13.86m 19.39m 123.19
2023 10.61m 5.86m 85.02
2022 13.73m 8.27m 77.28

Ownership

Directors and executive officers, together 4.30%
BlackRock, Inc. 14.65%
Vanguard Portfolio Management 5.48%
State Street Corporation 5.32%
FMR LLC 5.22%
Vanguard Capital Management 5.08%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

AXOS FINANCIAL, INC (AX) Latest News

2 Nov

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31 Jul

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30 Jul

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AX metrics, ten years each

stockrow.com/AX · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com