Axos Financial (AX)
NYSE:AX
Want to see AX full AI Analyst Report?
AX Stock Chart & Stats
$94.74
-$0.93(-1.34%)
At close: 4:00 PM EST
$94.74
-$0.93(-1.34%)
Day’s Range― - ―
52-Week Range$58.52 - $101.92
Previous CloseN/A
Volume62.52K
Average Volume (3M)408.25K
Market Cap
$5.37B
Enterprise Value$5.48B
Total Cash (Recent Filing)$1.07B
Total Debt (Recent Filing)$1.12B
Price to Earnings (P/E)9.5
Beta1.11
Next Earnings
Apr 30, 2026EPS Estimate
2.17Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.22
Shares Outstanding56,678,250
10 Day Avg. Volume397,075
30 Day Avg. Volume408,248
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 Cap1.02
Enterprise Value/Revenue2.74
Enterprise Value/Gross Profit4.38
Enterprise Value/Ebitda8.11
Forecast
1Y Price Target
$109.40Price Target Upside15.47% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)8.74
Revenue Forecast (FY)$1.47B
Bulls Say, Bears Say
Bulls Say
Diversified Fee BusinessesAxos’s custody/clearing and securities services scale (AUC $44.4B) diversifies revenue away from pure lending cycles, producing fee income that is less cyclical than net interest income. Over months this stabilizes revenue, supports cross-sell, and enhances long-term operating leverage.
Multi-year Revenue And Profitability GrowthSustained revenue expansion and ~22% net margins indicate a scalable, profitable model. Multi-year growth reflects diversified loan origination and fee streams, supporting reinvestment, capital buildup and capacity to absorb cyclical stress while maintaining mid-teens ROE over the medium term.
Funding Strength And Capital BuildA large, predominantly low-cost deposit base and rising non-interest-bearing balances provide stable funding to support loan growth and margin resilience. Combined with equity rising materially in recent years, this strengthens balance-sheet flexibility for lending and strategic acquisitions.
Bears Say
Inconsistent Cash ConversionTrailing‑twelve‑month free cash flow growth turning negative and volatile operating cash conversion reduce financial flexibility. Over 2–6 months this can constrain discretionary investments, increase reliance on deposit or wholesale funding, and limit capacity to self‑fund acquisitions or absorb shocks.
Margin Sustainability RisksReported NIM has been aided by one-time FDIC accretion and securitization effects; management forecasts modest NIM compression. As accretion fades and Verdant financing slightly pressures yields, sustainable NII growth may slow, risking margin erosion absent steady deposit or pricing gains.
Rising Expenses And Credit ProvisionsHigher non-interest costs from integration, depreciation and one-time accruals, plus increased credit provisions tied to commercial loan growth, can compress operating leverage. If expense control and underwriting normalization lag, earnings resilience over months may weaken despite revenue growth.
Axos Financial News
AX FAQ
What was Axos Financial’s price range in the past 12 months?
Axos Financial lowest stock price was $58.52 and its highest was $101.92 in the past 12 months.
What is Axos Financial’s market cap?
Axos Financial’s market cap is $5.37B.
When is Axos Financial’s upcoming earnings report date?
Axos Financial’s upcoming earnings report date is Apr 30, 2026 which is in 12 days.
How were Axos Financial’s earnings last quarter?
Axos Financial released its earnings results on Feb 02, 2026. The company reported $2.22 earnings per share for the quarter, beating the consensus estimate of $2.082 by $0.138.
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 2.17.
How many shares outstanding does Axos Financial have?
Axos Financial has 56,678,250 shares outstanding.
What happened to Axos Financial’s price movement after its last earnings report?
Axos Financial reported an EPS of $2.22 in its last earnings report, beating expectations of $2.082. Following the earnings report the stock price went down -0.65%.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$109.40 (15.47% Upside)
$109.40 (15.47% Upside)
Blogger Sentiment
Bullish
AX Sentiment 66%
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 ▼ 0.9%
Last 30 Days ▼ 3.3%
Last 30 Days ▼ 3.3%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
60.41%
12-Months-Change
Fundamentals
Return on Equity
16.59%
Trailing 12-Months
Asset Growth
18.95%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
Overall the call conveyed strong growth and profitability momentum: robust linked-quarter loan growth, healthy loan pipeline, meaningful deposit inflows, higher net interest income and fee income (including Verdant contributions), improved credit metrics and strong returns (ROE and ROA). Headwinds include higher non-interest expenses (partly related to the Verdant acquisition and a one-time accrual), an increase in provisions driven by commercial loan growth, and expected modest NIM compression as one-time accretion wanes and seasonality/timing effects persist. On balance the company's operational and credit strength, diversified growth channels, and accretive acquisition of Verdant outweigh the near-term expense and NIM headwinds.View all AX earnings summariesAX Stock 12 Month Forecast
Average Price Target
$109.40
▲(15.47% Upside)
Technical Analysis
Ameris Bancorp
―
First Financial Bankshares
―
Hancock Whitney
―
Flagstar Financial
―
Atlantic Union Bankshares
―
Ownership Overview
4.34% Insiders
24.87% Mutual Funds
16.56% Other Institutional Investors
24.91% Public Companies and
Individual Investors