Axos Financial (AX) AI Stock Analysis

• Market Cap: $4.62B
• Dividend Yield: N/A
• Average Volume (3M): 283.07K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 1.08
• 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: 250,311
• 30 Day Avg. Volume: 283,070
• 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: 0.77
• Enterprise Value/Revenue: 1.86
• Enterprise Value/Gross Profit: 3.01
• Enterprise Value/Ebitda: 5.89
• 1Y Price Target: $103.25
• Price Target Upside: 22.87% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): 8.15
• Revenue Forecast (FY): $1.36B

• Rating: 77 Outperform
• Price Target: $93.00 ▲(10.67% Upside)

Axos Financial's strong earnings call performance and solid financial metrics are the primary drivers of its stock score. The company's valuation suggests it is undervalued, providing potential upside. Technical indicators show mixed signals, with short-term weakness but potential for recovery. Monitoring revenue trends and debt levels remains important.

Positive Factors

Strong Loan Growth

The significant loan growth, particularly from strategic acquisitions, enhances Axos's market position and revenue potential, supporting long-term expansion.

Increased Noninterest Income

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

Successful Acquisition

Strategic acquisitions like Verdant expand Axos's capabilities and market reach, contributing to sustained growth and competitive advantage.

Negative Factors

Net Interest Margin Decline

A declining net interest margin can pressure profitability, affecting the company's ability to generate income from its core lending operations.

Increased Noninterest Expenses

Rising noninterest expenses can erode profit margins, necessitating careful cost management to maintain operational efficiency.

Negative Revenue Growth

Negative revenue growth indicates potential challenges in market demand or competitive pressures, impacting long-term revenue sustainability.

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 maintains a solid financial position with strong profitability and cash flow metrics. Despite a recent decline in revenue growth, the company benefits from efficient operations and effective equity utilization. Monitoring debt levels and revenue trends will be crucial for sustaining financial health.

Income Statement

Axos Financial shows a strong gross profit margin and consistent net profit margin, indicating stable profitability. However, the recent negative revenue growth rate in TTM suggests potential challenges in revenue generation. The EBIT and EBITDA margins remain robust, reflecting efficient operational management.

Balance Sheet

The company's debt-to-equity ratio is moderate, indicating a balanced approach to leveraging. Return on equity is solid, showcasing effective use of equity to generate profits. The equity ratio suggests a healthy proportion of equity financing, but the increase in total debt in TTM warrants monitoring.

Cash Flow

Axos Financial demonstrates strong free cash flow growth and a high free cash flow to net income ratio, indicating efficient cash generation relative to earnings. The operating cash flow to net income ratio is low in TTM, suggesting potential discrepancies between cash flow and reported earnings.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.91B	1.93B	1.77B	1.26B	757.91M	711.97M
Gross Profit	1.19B	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	1.35B	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: 84.03
• 50DMA: Positive
• 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 84.03 is above the 20-day moving average (MA) of 80.33, above the 50-day MA of 81.20, and above the 200-day MA of 76.38, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 59.99 is Neutral, neither overbought nor oversold. The STOCH value of 87.67 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
AX	77 Outperform	$4.62B	10.92	16.65%	―	1.66%	-9.31%
AUB	76 Outperform	$4.86B	18.29	5.42%	4.03%	43.53%	-21.74%
ABCB	73 Outperform	$5.16B	13.07	10.34%	1.04%	2.20%	20.88%
HWC	72 Outperform	$5.15B	11.04	11.11%	3.14%	-0.78%	25.39%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FFIN	63 Neutral	$4.46B	18.40	13.89%	2.39%	12.90%	16.92%
FLG	58 Neutral	$5.18B	―	-4.72%	0.31%	-18.33%	92.89%

Axos Financial Corporate Events

Axos Financial Highlights Strong Q1 2026 Performance

On November 12, 2025, Axos Financial, Inc. announced its investor presentation, highlighting its strong financial performance and strategic initiatives. The company reported robust growth in assets, deposits, and net income for the fiscal first quarter of 2026 compared to the previous year. Axos continues to outperform its peers with a high return on equity and efficient operations. The presentation emphasized Axos’s holistic credit risk management framework and its diversified deposit gathering strategy, which includes a significant portion of FDIC-insured or collateralized deposits.

The most recent analyst rating on (AX) stock is a Buy with a $107.00 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 Highlights Robust Growth

Axos Financial’s recent earnings call painted a positive picture of the company’s financial health, underscored by robust loan and revenue growth, improved credit metrics, and strategic acquisitions. Despite facing challenges with net interest margin and rising expenses, the overall sentiment was optimistic, highlighting the company’s strong performance and promising future outlook.

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.