Axos Financial (AX)
NYSE:AX
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AX Stock Chart & Stats
$97.96
-$0.93(-1.34%)
At close: 4:00 PM EST
$97.96
-$0.93(-1.34%)
Day’s Range― - ―
52-Week Range$67.50 - $101.92
Previous CloseN/A
Volume62.52K
Average Volume (3M)406.74K
Market Cap
$4.95B
Enterprise Value$6.60B
Total Cash (Recent Filing)$1.97B
Total Debt (Recent Filing)$2.97B
Price to Earnings (P/E)9.7
Beta1.11
Next Earnings
Aug 05, 2026EPS Estimate
2.19Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)8.42
Shares Outstanding56,884,636
10 Day Avg. Volume428,483
30 Day Avg. Volume406,735
Financial Highlights & Ratios
PEG Ratio-3.72
Price to Book (P/B)1.61
Price to Sales (P/S)2.24
P/FCF Ratio9.91
Enterprise Value/Market Cap1.33
Enterprise Value/Revenue3.14
Enterprise Value/Gross Profit5.03
Enterprise Value/Ebitda9.32
Forecast
1Y Price Target
$106.67Price Target Upside8.89% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)8.74
Revenue Forecast (FY)$1.47B
Bulls Say, Bears Say
Bulls Say
Digital‑first Model & AIAxos’s digital-first model and material AI adoption (>500 users, AI driving much code) create a scalable, low‑fixed‑cost distribution advantage. Over 2–6 months this supports higher operating leverage, lower branch expenses, faster product rollout, and durable customer acquisition efficiency versus brick‑and‑mortar peers.
Deposit Funding ExpansionLarge, acquired retail deposits materially boost low‑cost, FDIC‑insured funding and liquidity. These deposits are structurally stickier (IRAs, savings/CDs) and expand funding capacity to support sustained loan growth and margin stability, reducing reliance on wholesale funding over the intermediate term.
Capital, Profitability & Loan PipelineStrong ROE and a large, actionable loan pipeline underpin durable earnings capacity. With solid capital metrics and explicit guidance for mid‑teens loan growth, Axos can compound interest income and fee revenue while maintaining capital ratios that support sustainable organic and selective inorganic growth over the next several quarters.
Bears Say
TTM Income‑statement InconsistencyA severe TTM revenue drop and anomalous margins create meaningful uncertainty about the current earnings run‑rate. This inconsistency impairs trend analysis and forecasting, raising the risk that recent headline metrics reflect reporting or one‑off distortions rather than sustainable operating performance.
NIM Compression & Purchased Loan VolatilityQuarterly NIM swings and reliance on purchased‑loan accretion create structural volatility in net interest income. Early payoffs and one‑time accretion materially affect margins, reducing predictability of core spread income and complicating multi‑period earnings stability despite underlying loan growth.
Recent C&I Delinquency & Higher ProvisionsA significant syndicated C&I delinquency and elevated provisions/charge‑offs signal episodic asset‑quality risk in commercial lending. If such events recur, credit costs could pressure earnings and capital cushions, making credit management and portfolio concentration key near‑term governance priorities.
Axos Financial News
AX FAQ
What was Axos Financial’s price range in the past 12 months?
Axos Financial lowest stock price was $67.50 and its highest was $101.92 in the past 12 months.
What is Axos Financial’s market cap?
Axos Financial’s market cap is $4.95B.
When is Axos Financial’s upcoming earnings report date?
Axos Financial’s upcoming earnings report date is Aug 05, 2026 which is in 88 days.
How were Axos Financial’s earnings last quarter?
Axos Financial released its earnings results on May 04, 2026. The company reported $2.15 earnings per share for the quarter, missing the consensus estimate of $2.167 by -$0.017.
Is Axos Financial overvalued?
According to Wall Street analysts Axos Financial’s price is currently Undervalued.
Does Axos Financial pay dividends?
Axos Financial does not currently pay dividends.
What is Axos Financial’s EPS estimate?
Axos Financial’s EPS estimate is 2.19.
How many shares outstanding does Axos Financial have?
Axos Financial has 56,884,636 shares outstanding.
What happened to Axos Financial’s price movement after its last earnings report?
Axos Financial reported an EPS of $2.15 in its last earnings report, missing expectations of $2.167. Following the earnings report the stock price went down -0.16%.
Which hedge fund is a major shareholder of Axos Financial?
Currently, no hedge funds are holding shares in AX
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Axos Financial Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$106.67 (8.89% Upside)
$106.67 (8.89% Upside)
Blogger Sentiment
Bullish
AX Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 9.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.2M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 3.4%
Last 30 Days ▼ 3.4%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
62.69%
12-Months-Change
Fundamentals
Return on Equity
16.60%
Trailing 12-Months
Asset Growth
21.97%
Trailing 12-Months
Company Description
Axos Financial
Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through Banking Business and Securities Business segments. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text messaging banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.
AX Company Deck
AX Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlights multiple strong operational and financial achievements: double‑digit growth in net interest income, EPS and deposits; robust loan originations and pipeline; strategic deposit acquisitions providing funding and liquidity; improving profitability metrics and disciplined reserving. Offsetting items include a meaningful sequential NIM decline driven partly by transient purchased‑loan effects and fewer days in the quarter, a quarter‑specific C&I credit loss that raised provisions and charge‑offs, and modestly higher noninterest expenses. Overall, the positives — including scalable loan pipelines, strong deposit growth, strategic acquisitions and solid capital/credit reserves — outweigh the contained headwinds, which management describes as manageable and largely idiosyncratic.View all AX earnings summariesAX Stock 12 Month Forecast
Average Price Target
$106.67
▲(8.89% Upside)
Technical Analysis
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Ownership Overview
4.34% Insiders
25.79% Mutual Funds
5.53% Other Institutional Investors
33.71% Public Companies and
Individual Investors