AXOS FINANCIAL, INC AX

88.52 (0.06) (0.07%) as of 25 Sep
Market cap
$5.0B
P/E
10.3×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 7.23
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — 2 — 6 — — 2 1 — 1 —
Insider Ownership 4.37%

Capital & Financial Ratios

Market Cap 5,030.00
Revenue 2,190.54
Net Income 490.37
Free Cash Flow 291.15
Net Debt (194.14)
Current Ratio 1.08
Debt/Equity 0.35
P/E ratio 10.26
P/S ratio 2.30
P/B ratio 1.59
Past 5Y EPS Growth 25.29%
This Y EPS Growth 13.90%
Next Y EPS Growth 12.03%
Next 5Y EPS Growth 12.75%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2018 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 2026
Cash 2,383 2,186 2,177 1,308
Receivables — — — —
Inventory — — — —
Other — — — —
19,238 21,674 23,489 27,272
2023 2024 2025 2026
Payables 17,374 19,774 21,240 25,161
ST’ Debt — — — —
Other — — — —
17,374 19,774 21,240 25,161
in millions of $

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%

Revenue

Sep Dec Mar Jun Year
’26 — — — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Sep Dec Mar Jun Year
’26 — — — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Sep Dec Mar Jun Year
’26 — — — — —
’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
in millions of $ · fiscal quarters ending in the months shown

EPS

Sep Dec Mar Jun Year
’26 — — — — —
’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

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029
21.60 23.87 24.05 13.69 36.16 33.91 32.05 44.10 54.46 81.03

Analyst estimates 2027–2029

Powerpack
Low Price
32.57 45.18 33.52 38.02 62.44 61.79 57.12 88.46 93.84 105.74
High Price
681 801 1,007 1,099 1,165 1,335 1,455 1,781 1,989 2,191
Employees
1 1 1 1 1 1 1 1 1 1
Revenue/Emp
455 546 648 726 723 773 1,278 1,878 1,947 2,191
Revenue
83.74% 80.48% 75.87% 79.99% 89.06% 93.20% 70.73% 63.04% 64.67% 67.59%
Gross Margin
233 240 213 263 306 340 432 635 613 647
EBT
51.09% 43.90% 32.86% 36.18% 42.28% 43.97% 33.79% 33.83% 31.51% 29.52%
EBT Margin
135 152 155 183 216 241 307 450 433 490
Net Income
(1) (21) (14) 0 29 29 22 (31) (79) (10)
Depreciation
7.15 8.65 10.46 11.94 12.21 12.99 21.40 32.66 34.23 38.66
Revenue/Sh
2.07 2.36 2.50 3.01 3.64 4.04 5.15 7.82 7.61 8.66
Earnings/Sh
3.12 2.66 3.30 4.67 6.97 3.64 3.30 5.31 8.62 9.84
Cash Flow/Sh
(0.14) (0.19) (0.32) (0.20) (0.18) (0.36) (0.51) (0.63) (0.95) (4.70)
Capex/Sh
2.98 2.47 2.98 4.47 6.79 3.28 2.79 4.69 7.67 5.14
Free CF/Sh
13.11 15.21 17.34 20.25 23.65 27.60 32.12 39.83 47.14 55.89
Book Value/Sh
64 63 62 61 59 60 60 58 57 57
Shares
11.40 17.49 10.80 7.34 12.71 8.87 7.66 7.33 10.01 11.25
PE Ratio
3.32 4.79 2.58 1.85 3.80 2.76 1.84 1.76 2.22 2.52
PS Ratio
1.82 2.74 1.57 1.10 1.96 1.30 1.23 1.44 1.61 1.74
PB Ratio
2.00 3.75 1.82 (0.16) 3.68 1.91 0.39 0.81 1.34 2.43
EV/Sales
4.81 13.12 6.41 (0.43) 6.61 7.57 2.96 5.62 5.96 18.29
EV/FCF
198 168 204 284 413 217 197 305 490 558
Op' Cash Flow
(9) (12) (20) (12) (10) (22) (30) (36) (54) (266)
Capex
190 156 184 272 402 195 166 270 436 291
FCF
1,100 1,025 1,398 1,360 1,841 1,891 1,863 1,900 2,250 2,111
Working Cap'
54 55 367 492 950 920 522 400 452 1,114
Total Debt
(597) (568) (490) (1,459) (89) (657) (1,861) (1,786) (1,725) (194)
Net Debt
834 961 1,073 1,231 1,401 1,643 1,917 2,291 2,681 3,166
Sh' Equity
1.67% 1.69% 1.49% 1.46% 1.53% 1.52% 1.63% 2.08% 1.82% 1.79%
ROA
61.41% 38.20% 23.12% 0.00% 15.10% 22.51% 497.51% 81.02% 41.23% 13.97%
ROIC
17.83% 17.05% 15.30% 15.97% 16.41% 15.82% 17.26% 21.39% 17.42% 16.77%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

AXOS FINANCIAL, INC (AX) key facts

  • AXOS FINANCIAL, INC (AX) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • AXOS FINANCIAL, INC’s revenue for fiscal 2026 (year ended June 2026) was $2.2 billion, up 12.5% from fiscal 2025.
  • Net income was $490.4 million, or $8.66 per share (basic), a net margin of 22.4%.
  • As of September 25, 2026, AX traded at $88.52, a market capitalization of $5.0 billion.
  • At that price the stock trades at 10.3× trailing-twelve-month earnings and 2.3× sales.
  • Return on equity was 16.8% and debt-to-equity 0.35.

Source: company filings (standardised) and stockrow calculations.

AXOS FINANCIAL, INC (AX) Latest News

News by impact score

Fine-tune

24 Sep

3

Upstart UPST expanded its partnership with Commonwealth Credit Union to include home equity lines of credit (HELOCs) and indirect auto lending, adding secured lending options to its AI-powered marketplace. Commonwealth, Kentucky-based with more than 140,000 members, began in 2022 with personal loans, and says the expansion diversifies its lending portfolio and deepens relationships with prime borrowers. Upstart's secured segment is growing quickly: Q2 2026 secured originations hit $589 million, up 218% YoY and 45% QoQ; auto originations rose ~4x YoY and home originations about 2x. Total originations were $4.2 billion, up 50% YoY, with revenues of $365 million, net income $16.5 million, and adjusted EBITDA $76.9 million. The move could broaden UPST's reach beyond unsecured lending and diversify originations across more partners, as 100+ banks and credit unions use the marketplace. Expansion of Upstart's secured lending network could alter competition in the consumer lending space and affect AX's loan mix and pricing strategy over time.

3

AXOS Financial (AX) fell 10.7% over the last four weeks. The stock is now oversold with an RSI of about 25.5, suggesting a potential near-term reversal as selling pressure eases. Fundamentally, analysts have been raising current-year EPS estimates—consensus up roughly 0.5% over the past month—a revision trend that often accompanies price gains. AX also carries a Zacks Rank of #2 (Buy), placing it in the top quintile of covered stocks and signaling a potential turnaround. The mix of oversold technicals and improving earnings expectations points to a possible rebound, though broader market factors and RSI limitations remain risks. Oversold conditions combined with rising earnings estimates and a Buy rating suggest a moderate near-term rebound potential.

20 Sep

3

Axos Financial faces renewed debate over its valuation tied to digital banking strategy amid questions on growth sustainability and competitive edge. Valuation debate may shift short-term investor sentiment around digital banking prospects without altering core operations.

2 Sep

3

Axos Financial (AX) stock draws investor interest due to three reasons tied to solid fundamentals, operational strengths and growth outlook. Positive stock endorsement can lift short-term sentiment and trading activity without major strategic shifts.

13 Aug

3

Analyst raises Axos Financial price target to $120 citing company growth above peers. Raised price target reflects above-peer growth and may lift near-term investor sentiment.

4 Aug

3 transcript

Axos Financial (AX) Q4 2025 earnings call covered quarterly results, financial performance metrics, and management outlook. Quarterly earnings details may influence near-term market sentiment without altering long-term company trajectory.

1 Aug

4

AXOS Financial Q2 results show loan growth and Verdant acquisition driving outperformance. Loan growth and acquisition represent major strategic moves likely to significantly alter company trajectory.

31 Jul

4

Axos Financial Inc posted double-digit growth in Q4 2026 earnings and outlined strategic initiatives during its earnings call. Double-digit growth combined with strategic moves signals major shifts in company trajectory and investor outlook.

3

Axos Financial reported earnings and completed a buyback, prompting analysis on whether the stock is undervalued. Earnings reports and buybacks affect financial performance and investor sentiment.

3

Axos Financial reported Q4 earnings call highlights covering financial results, strategic updates, and operational performance for the period. Q4 earnings highlights reveal performance metrics and outlook that may affect near-term investor sentiment and valuation.

30 Jul

4 transcript

Axos Financial (AX) Q4 2025 earnings call covered quarterly financial performance, net interest income, loan growth, deposit trends, credit metrics, and forward guidance. Q4 earnings release and outlook directly shape near-term stock valuation and investor positioning.

3

Axos Financial beat revenue expectations in Q2 CY2026. Quarterly revenue outperformance signals stronger financial results with moderate potential to affect near-term stock sentiment and operations.

3

Axos Financial (NYSE:AX) exceeded Q2 CY2026 expectations. Quarterly earnings beats can move near-term stock prices without shifting long-term fundamentals.

3

Axos Financial, Inc. released its fiscal year 2026 results. Annual results deliver financial metrics that can shift near-term investor sentiment without guaranteeing major strategic shifts.

3

Axos Financial prepares to report earnings with focus on revenue, EPS, loan growth and net interest margin as key metrics for AX performance. Earnings preview highlights metrics that may moderately shift AX valuation and short-term investor sentiment.

8 Jul

4

Axos Financial acquires Arc Technologies. Acquisition of Arc Technologies marks a major strategic expansion for Axos.

7 Jul

4

Axos Financial, Inc. acquires Arc Technologies, Inc. Acquisition marks a major strategic move that can substantially alter Axos Financial's trajectory and investor sentiment.

3 May

3

Axos Financial (AX) shares are falling today due to disappointing quarterly results, including weaker-than-expected net interest income and higher loan loss provisions amid rising interest rates. Disappointing earnings and increased provisions signal moderately noticeable pressure on financial performance and market sentiment.

2 May

4

AXOS Financial's Q1 results highlight growth driven by the Verdant Acquisition, though margin pressures continue to persist. Verdant Acquisition fuels significant growth as a major strategic move, tempered by ongoing margin pressures.

1 May

4

Axos Financial (AX) narrative shifts with improving growth visibility offset by rising valuation risks, prompting reassessment of its investment story. Shifts in growth visibility and valuation risks significantly alter investor sentiment and AX's market trajectory.

4

Axos Financial, Inc. Q3 2026 earnings call summary details quarterly financial results, performance highlights, strategic updates, and forward-looking guidance. Quarterly earnings call summaries reveal financial metrics and guidance that significantly shape investor sentiment and stock trajectory.

4

Axos Financial Inc (AX) Q3 2026 earnings call highlights strong growth in net income alongside robust financial performance and positive outlook. Strong net income growth from Q3 2026 earnings signals major positive shifts in financial health and investor sentiment.

4

Axos Financial (AX) Q3 earnings call highlights key financial results, performance metrics, and forward-looking guidance. Q3 earnings call highlights reveal financial performance and strategic outlook significantly shaping Axos Financial's market trajectory and investor confidence.

30 Apr

4 transcript

Axos Financial, Inc. (AX) Q3 2026 earnings call transcript released, detailing quarterly financial results, management commentary, and forward guidance. Earnings call transcripts disclose quarterly results and future outlook, significantly impacting investor sentiment and stock trajectory.

4

Axos Financial (AX) Q3 earnings key metrics compared to estimates. Q3 earnings metrics versus estimates likely drive significant shifts in investor sentiment and stock performance.

4

Axos Financial, Inc. reported third quarter fiscal year 2026 results. Quarterly earnings releases provide critical financial data that drive stock price movements and shape investor expectations.

3

Axos Financial (AX) missed Q3 earnings estimates. Missing Q3 earnings highlights weaker financial results, likely causing moderate short-term pressure on stock performance and investor sentiment.

3

Axos Financial (NYSE:AX) beat Q1 CY2026 sales expectations, but its stock dropped post-earnings. Beating sales expectations boosts financial performance amid stock decline from other factors.

29 Apr

4

Axos Financial (AX) reports earnings tomorrow, previewing analyst expectations for results. Upcoming earnings report likely to significantly affect financial performance and investor sentiment.

23 Apr

4

Axos Financial (AX) is positioned to surpass earnings estimates again, driven by robust loan growth, deposit expansion, and efficient expense management amid a favorable economic environment. Expected earnings beat highlights strong operational momentum, poised to boost investor sentiment and stock valuation significantly.

stockrow.com/AX · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com