Axos Financial (AX) AI Stock Analysis

• Market Cap: $4.59B
• Dividend Yield: N/A
• Average Volume (3M): 322.89K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 1.09
• Revenue Growth: 1.66%
• EPS Growth: -9.31%
• Country: US
• Employees: 1,781
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.94
• Shares Outstanding: 56,644,000
• 10 Day Avg. Volume: 318,063
• 30 Day Avg. Volume: 322,893
• PEG Ratio: -3.72
• Price to Book (P/B): 1.61
• Price to Sales (P/S): 2.24
• P/FCF Ratio: 9.91
• Enterprise Value/Market Cap: 0.78
• Enterprise Value/Revenue: 1.89
• Enterprise Value/Gross Profit: 4.03
• Enterprise Value/Ebitda: 5.89
• 1Y Price Target: $103.25
• Price Target Upside: 26.01% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): 8.15
• Revenue Forecast (FY): $1.34B

• Rating: 74 Outperform
• Price Target: $89.00 ▲(8.62% Upside)

Axos Financial's overall stock score is driven by strong earnings performance and valuation, despite technical indicators suggesting a bearish trend. The company's robust financial health and strategic acquisitions support a positive outlook, although recent revenue contraction and net interest margin decline pose risks.

Positive Factors

Strong Loan Growth

The significant loan growth, bolstered by strategic acquisitions, enhances Axos's lending capabilities and market presence, supporting long-term revenue expansion.

Improved Credit Metrics

Improved credit metrics indicate effective risk management, which strengthens financial stability and supports sustainable profitability.

Noninterest Income Growth

Growth in noninterest income diversifies revenue streams, reducing reliance on interest income and enhancing financial resilience.

Negative Factors

Net Interest Margin Decline

A declining net interest margin can pressure profitability, as it reduces the spread between interest income and interest expenses.

Increased Noninterest Expenses

Rising noninterest expenses can erode profit margins, necessitating careful cost management to maintain financial health.

Revenue Decline

A decline in revenue growth can indicate challenges in market expansion or product adoption, potentially impacting long-term financial performance.

Axos Financial Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Axos Financial generates revenue through several key streams. Primarily, the company earns interest income from loans, including personal loans, mortgages, and commercial lending. Additionally, Axos Bank generates non-interest income through various fees associated with banking services, such as account maintenance fees, transaction fees, and service charges. The company's digital platform allows it to operate with lower overhead costs compared to traditional banks, enhancing its profitability. Furthermore, Axos Financial engages in partnerships with fintech companies and other institutions to expand its product offerings and customer base, which contributes positively to its earnings. Overall, the combination of interest income and non-interest income forms the backbone of Axos Financial's revenue model.

Axos Financial Financial Statement Overview

Summary

Axos Financial demonstrates strong profitability and financial stability, with healthy margins and a solid balance sheet. While recent revenue contraction poses a risk, the company’s cash flow generation remains robust, supporting its financial health. Continued focus on revenue growth and cash flow management will be crucial for sustaining performance.

Income Statement

Axos Financial shows strong gross and net profit margins, indicating efficient operations and profitability. However, the recent revenue decline of 5.3% is a concern, contrasting with previous growth trends. The EBIT and EBITDA margins remain healthy, suggesting stable core earnings capacity.

Balance Sheet

The company maintains a low debt-to-equity ratio, reflecting prudent financial leverage. Return on equity is solid, indicating effective use of shareholder funds. The equity ratio is robust, suggesting a strong capital base relative to assets, enhancing financial stability.

Cash Flow

Free cash flow growth is impressive at 41.7%, supporting future investments and debt reduction. However, the operating cash flow to net income ratio is low, which may indicate potential cash flow management issues. The free cash flow to net income ratio is strong, reflecting good cash conversion.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.89B	1.93B	1.77B	1.26B	757.91M	711.97M
Gross Profit	883.68M	1.19B	1.04B	865.93M	681.59M	609.10M
EBITDA	604.98M	642.41M	662.57M	455.13M	364.56M	336.19M
Net Income	432.92M	432.91M	450.01M	307.17M	240.72M	215.71M
Balance Sheet
Total Assets	27.43B	24.78B	22.86B	20.35B	17.46B	14.27B
Cash, Cash Equivalents and Short-Term Investments	2.62B	2.00B	2.12B	2.47B	1.47B	902.96M
Total Debt	1.56B	372.67M	415.68M	451.78M	562.74M	574.86M
Total Liabilities	24.64B	22.10B	20.56B	18.43B	15.81B	12.86B
Stockholders Equity	2.79B	2.68B	2.29B	1.92B	1.64B	1.40B
Cash Flow
Free Cash Flow	492.38M	436.12M	269.52M	166.49M	195.12M	402.14M
Operating Cash Flow	537.98M	490.33M	305.48M	196.71M	216.62M	412.58M
Investing Cash Flow	-2.83B	-1.84B	-2.59B	-2.40B	-2.78B	-866.77M
Financing Cash Flow	2.37B	1.34B	2.09B	3.01B	3.10B	-458.56M

Axos Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 81.94
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AX, the sentiment is Positive. The current price of 81.94 is above the 20-day moving average (MA) of 79.67, below the 50-day MA of 84.42, and above the 200-day MA of 75.65, indicating a neutral trend. The MACD of -0.87 indicates Negative momentum. The RSI at 52.41 is Neutral, neither overbought nor oversold. The STOCH value of 85.13 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AX.

Axos Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ABCB	76 Outperform	$5.05B	12.75	10.34%	1.08%	2.20%	20.88%
AX	74 Outperform	$4.59B	10.96	16.65%	―	1.66%	-9.31%
HWC	72 Outperform	$4.91B	10.53	11.11%	3.14%	-0.78%	25.39%
AUB	72 Outperform	$4.67B	17.55	5.42%	4.18%	43.53%	-21.74%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FFIN	63 Neutral	$4.49B	18.53	13.89%	2.39%	12.90%	16.92%
FLG	49 Neutral	$4.52B	―	-4.72%	0.36%	-18.33%	92.89%

Axos Financial Corporate Events

Axos Financial Reports Strong Loan Growth in Q1 2026

Axos Financial, Inc. is a diversified financial services company that operates through its subsidiaries, including Axos Bank, Axos Clearing LLC, and Axos Invest, Inc., providing banking and investment services nationwide. The company is listed on the NYSE under the symbol ‘AX’ and is part of the Russell 2000 and S&P SmallCap 600 indices.

Axos Financial to Acquire Verdant Commercial Capital

On September 19, 2025, Axos Bank, a subsidiary of Axos Financial, Inc., signed an agreement to acquire Verdant Commercial Capital, LLC for $43.5 million, with the transaction expected to close on September 30, 2025. This acquisition is expected to enhance Axos Bank’s equipment leasing business, offering opportunities for cross-selling and is projected to be accretive to earnings per share by 2%-3% in fiscal 2026 and 5%-6% in fiscal 2027.

The most recent analyst rating on (AX) stock is a Hold with a $94.00 price target. To see the full list of analyst forecasts on Axos Financial stock, see the AX Stock Forecast page.

Axos Financial Completes $200 Million Subordinated Notes Sale

On September 19, 2025, Axos Financial, Inc. completed the sale of $200 million in subordinated notes, which will mature in 2035. These notes, initially offering a fixed interest rate of 7.00% until 2030, will transition to a floating rate tied to the Three-Month Term SOFR plus 379 basis points. The transaction, facilitated by Keefe, Bruyette & Woods, Inc., reflects Axos Financial’s strategic financial maneuvering, potentially impacting its capital structure and stakeholder interests.

The most recent analyst rating on (AX) stock is a Hold with a $94.00 price target. To see the full list of analyst forecasts on Axos Financial stock, see the AX Stock Forecast page.

Axos Financial Announces $200M Public Offering Pricing

On September 16, 2025, Axos Financial, Inc. announced the pricing of a public offering of $200 million in aggregate principal amount of 7.00% Fixed-to-Floating Rate Subordinated Notes due 2035. The net proceeds from this offering, estimated at $197.2 million, will be used to repay existing indebtedness, including the redemption of $160.5 million in principal amount of the 2030 Notes, and to support growth initiatives at the Company’s subsidiaries and for general corporate purposes. This strategic move is expected to strengthen Axos Financial’s financial position by addressing its debt obligations while providing capital for future expansion, potentially enhancing its market competitiveness and operational capacity.

The most recent analyst rating on (AX) stock is a Buy with a $106.00 price target. To see the full list of analyst forecasts on Axos Financial stock, see the AX Stock Forecast page.

Axos Financial Highlights Growth in Investor Presentation

On September 10, 2025, Axos Financial, Inc. presented its fixed income investor presentation, highlighting its financial prospects and strategic initiatives. The company emphasized its diverse mix of assets and deposits, which reduce risk and provide growth opportunities. Axos’ digital strategy and technology synergies offer a structural cost advantage over traditional banks, positioning the company for incremental growth through new business initiatives and differentiated services.

The most recent analyst rating on (AX) stock is a Buy with a $106.00 price target. To see the full list of analyst forecasts on Axos Financial stock, see the AX Stock Forecast page.

Axos Financial Highlights Strong Performance in Presentation

On August 12, 2025, Axos Financial, Inc. announced its investor presentation, highlighting its strong performance metrics compared to peers, with a high return on equity and efficient cost management. The company reported significant growth in deposits and loans, emphasizing its diversified sources of income and robust credit risk management framework. Axos continues to expand its net interest margin and maintain a national reach with a well-distributed customer base, positioning itself as a top performer in the banking sector.

The most recent analyst rating on (AX) stock is a Buy with a $88.00 price target. To see the full list of analyst forecasts on Axos Financial stock, see the AX Stock Forecast page.

Axos Financial’s Earnings Call: Strong Growth and Positive Outlook

Axos Financial’s recent earnings call exuded a generally positive sentiment, underscored by robust loan growth, an expanded net interest margin, and enhanced credit quality. Despite facing challenges such as increased noninterest expenses and pricing pressure on loan yields, the positive developments significantly overshadowed the negatives, painting an optimistic picture for the company’s financial health.

Axos Financial Reports Solid Fiscal Year 2025 Results

Looking ahead, Axos Financial remains optimistic about its future prospects. The company anticipates a reduction in its effective tax rate due to changes in California tax calculation methodology, which is expected to positively impact its financial performance. With a solid capital position and a strategic focus on diversifying its lending and deposit franchises, Axos is well-positioned to continue its growth trajectory in the coming years.