Saturday 17 October 2026 Export AX’s income statement to Excel — free account

AXOS FINANCIAL, INC

AXOS FINANCIAL, INC’s revenue for fiscal 2026 (year ended June 2026) was $2.2 billion, up 12.5% from fiscal 2025. In the quarter to June 2026, revenue grew 16.0%, EPS grew 12.2%, free cash flow grew 22.4% and total debt rose 146.5%, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for three.

88.14 0.62 +0.71%

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Market cap: $5.0B
P/E: 10.2×
Fwd P/E: 9.1×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 7.23

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	2	—	6	—	—	2	1	—	1	—	—

Insider Ownership 4.16%

Capital & Financial Ratios $m

Market Cap 4,980.00

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 10.18

Fwd P/E 9.08

P/S ratio 2.28

P/B ratio 1.58

Past 5Y EPS Growth 18.96%

This Y EPS Growth 14.11%

Next Y EPS Growth 11.18%

Next Y revenue growth (25.77%)

Next 5Y EPS Growth 12.75%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 38.30%

10-year low 10-year high

P/S against its own 10 years 27.17%

10-year low 10-year high

P/B against its own 10 years 34.61%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2018	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	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

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 $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	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

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.

Group	Line	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027e
Price, $
Price, $	Low	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
	High	32.57	45.18	33.52	38.02	62.44	61.79	57.12	88.46	93.84	105.74
People
People	Employees	681	801	1,007	1,099	1,165	1,335	1,455	1,781	1,989	2,191
	Revenue/emp, $m	0.67	0.68	0.64	0.66	0.62	0.58	0.88	1.05	0.98	1.00
Income, $m
Income, $m	Revenue	455	546	648	726	723	773	1,278	1,878	1,947	2,191
	Gross margin, %	83.74	80.48	75.87	79.99	89.06	93.20	70.73	63.04	64.67	67.59
	EBT	233	240	213	263	306	340	432	635	613	647
	EBT margin, %	51.09	43.90	32.86	36.18	42.28	43.97	33.79	33.83	31.51	29.52
	Net income	135	152	155	183	216	241	307	450	433	490
	Depreciation	(1)	(21)	(14)	0	29	29	22	(31)	(79)	(10)
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
	Earnings	2.07	2.36	2.50	3.01	3.64	4.04	5.15	7.82	7.61	8.66
	Cash flow	3.12	2.66	3.30	4.67	6.97	3.64	3.30	5.31	8.62	9.84
	Capex	(0.14)	(0.19)	(0.32)	(0.20)	(0.18)	(0.36)	(0.51)	(0.63)	(0.95)	(4.70)
	Free cash flow	2.98	2.47	2.98	4.47	6.79	3.28	2.79	4.69	7.67	5.14
	Book value	13.11	15.21	17.34	20.25	23.65	27.60	32.12	39.83	47.14	55.89
	Shares, m	64	63	62	61	59	60	60	58	57	57
Valuation, ×
Valuation, ×	P/E	11.40	17.49	10.80	7.34	12.71	8.87	7.66	7.33	10.01	11.25
	P/S	3.32	4.79	2.58	1.85	3.80	2.76	1.84	1.76	2.22	2.52
	P/B	1.82	2.74	1.57	1.10	1.96	1.30	1.23	1.44	1.61	1.74
	EV/Sales	2.00	3.75	1.82	(0.16)	3.68	1.91	0.39	0.81	1.34	2.43
	EV/FCF	4.81	13.12	6.41	(0.43)	6.61	7.57	2.96	5.62	5.96	18.29
Cash, $m
Cash, $m	Operating cash flow	198	168	204	284	413	217	197	305	490	558
	Capex	(9)	(12)	(20)	(12)	(10)	(22)	(30)	(36)	(54)	(266)
	Free cash flow	190	156	184	272	402	195	166	270	436	291
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
	Total debt	54	55	367	492	950	920	522	400	452	1,114
	Net debt	(597)	(568)	(490)	(1,459)	(89)	(657)	(1,861)	(1,786)	(1,725)	(194)
	Shareholders’ equity	834	961	1,073	1,231	1,401	1,643	1,917	2,291	2,681	3,166
Returns, %
Returns, %	ROA	1.67	1.69	1.49	1.46	1.53	1.52	1.63	2.08	1.82	1.79
	ROIC	61.41	38.20	23.12	0.00	15.10	22.51	497.51	81.02	41.23	13.97
	ROE	17.83	17.05	15.30	15.97	16.41	15.82	17.26	21.39	17.42	16.77

Negative figures in brackets.

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
AUB Atlantic Union Bankshares Corporation	$5.5B	11.4×	10.0×	−2.50% (below 0%: shrinking)	+825.00% (above 0%: growing)	−92.37% (below 0%: shrinking)	71.98%	0.00%	Compare
ASB Associated Banc-Corp	$5.5B	10.1×	9.8×	+14.89% (above 0%: growing)	−3.03% (below 0%: shrinking)	+48.78% (above 0%: growing)	64.01%	0.00%	Compare
ABCB Ameris Bancorp	$5.4B	14.4×	12.7×	+5.42% (above 0%: growing)	−51.88% (below 0%: shrinking)	+31.88% (above 0%: growing)	74.25%	0.00%	Compare
OZK Bank OZK	$5.0B	7.6×	8.3×	−3.82% (below 0%: shrinking)	−6.29% (below 0%: shrinking)	+47.62% (above 0%: growing)	63.91%	0.00%	Compare
AX AXOS FINANCIAL, INC	$5.0B	10.2×	9.1×	+15.98% (above 0%: growing)	+12.24% (above 0%: growing)	+22.36% (above 0%: growing)	67.69%	0.00%
EBC Eastern Bankshares, Inc.	$4.8B	12.1×	11.3×	+26.48% (above 0%: growing)	−4.00% (below 0%: shrinking)	+25.53% (above 0%: growing)	75.96%	0.00%	Compare
GGAL Grupo Financiero Galicia S.A.	$4.8B	18.2×	—	−91.05% (below 0%: shrinking)	−75.31% (below 0%: shrinking)	−347.48% (below 0%: shrinking)	100.00%	0.00%	Compare
FLG Flagstar Bank, National Association	$4.7B	369×	30.5×	−13.77% (below 0%: shrinking)	n/m	−42.53% (below 0%: shrinking)	49.05%	0.00%	Compare
TFSL TFS Financial Corporation	$4.6B	45.4×	49.0×	+5.82% (above 0%: growing)	+37.50% (above 0%: growing)	+16.04% (above 0%: growing)	42.51%	0.00%	Compare
Median of peers	$4.9B	13.2×	11.3×	+1.46%	−4.00%	+20.79%	68.00%	0.00%

All 323 Banks Regional stocks →

AXOS FINANCIAL, INC (AX) key facts

Strength: AXOS FINANCIAL, INC’s revenue for fiscal 2026 (year ended June 2026) was $2.2 billion, up 12.5% from fiscal 2025.
Strength: Net income was $490.4 million, or $8.66 per share (basic), a net margin of 22.4%.
AXOS FINANCIAL, INC (AX) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, AX traded at $88.14, a market capitalization of $5.0 billion.
At that price the stock trades at 10.2× trailing-twelve-month earnings and 2.3× sales; its P/E is higher than 38% of its own readings over the past ten years.
Return on equity was 16.8% and debt-to-equity 0.35.
Its Piotroski F-score is 5 out of 9 for fiscal 2026.