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AXOS FINANCIAL, INC (AX) vs TFS Financial Corporation (TFSL)

AXOS FINANCIAL, INC and TFS Financial Corporation are both Banks Regional companies. AXOS FINANCIAL, INC and TFS Financial Corporation are of similar size ($5.0B and $4.6B). AXOS FINANCIAL, INC trades at the lower P/E: 10.2× against 45.4×. AXOS FINANCIAL, INC grew revenue faster over the last twelve months: 12.5% against 5.93%. AXOS FINANCIAL, INC has the higher net margin (22.4% vs 12.2%) and the higher return on invested capital (14.0% vs 1.12%). Across the 18 metrics below, AXOS FINANCIAL, INC leads on 16 and TFS Financial Corporation on 2.

Valuation

Metric AX TFSL Banks Regional median
P/E 10.18 45.44 11.98
P/S 2.28 5.52 2.34
P/B 1.58 2.33 1.19
Price to free cash flow 17.15 52.88 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.83% 2.20% 8.23%
Free cash flow yield 5.83% 1.89% 9.08%

Profitability

Metric AX TFSL Banks Regional median
Gross margin 67.59% 41.62% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.39% 12.17% 18.66%
Free cash flow margin 13.29% 10.45% 21.11%
Return on equity 16.77% 5.23% 10.65%
Return on assets 1.79% 0.57% 1.13%
Return on invested capital 13.97% 1.12% 8.35%

Growth

Metric AX TFSL Banks Regional median
Revenue growth (TTM) 12.54% 5.93% 6.98%
EPS growth (last fiscal year) 14.13% 14.29% 18.88%
Revenue growth, 5-year CAGR 24.82% 9.26% 12.38%
Net income growth, 5-year CAGR 17.87% 1.83% 9.71%

Health

Metric AX TFSL Banks Regional median
Debt to equity 0.35 2.97 0.22
Current ratio 1.08 1.67 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AX TFSL Banks Regional median
Dividend yield — 7.12% 2.57%
Payout ratio — 3.24 0.30

Size

Metric AX TFSL Banks Regional median
Market cap 4.98b 4.58b 913.33m

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