Axos Financial vs TFS Financial
AX and TFSL side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AX and TFSL compare
Axos Financial and TFS Financial are about the same size, with market caps of $5.2B and $4.6B.
On earnings, Axos Financial is cheaper: it trades at 10.3× trailing earnings, against 45.5× for TFS Financial.
Axos Financial grew revenue faster over the last twelve months (23.0% versus 10.5% for TFS Financial).
Axos Financial keeps more of each dollar of sales as profit, with a net margin of 32.7% compared with 29.7% at TFS Financial.
TFS Financial pays a dividend yielding 7.1%; Axos Financial does not pay one.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AX | TFSL |
|---|---|---|
| Size and price | ||
| Market cap | $5.2B | $4.6B |
| Share price | $91.17 | $16.38 |
| Change, 1 year | 11.2% | 19.0% |
| Change, 5 years | 53.1% | −15.3% |
| Beta (5Y) | 1.24 | 0.59 |
| Employees | 2,191 | 958 |
| StockData Score | ||
| Total score | 13 | 13 |
| Valuation score | 2 (better) | 1 |
| Growth score | 2 | 2 |
| Performance score | 5 (better) | 3 |
| Health score | 4 (better) | 1 |
| Dividend score | 0 | 6 (better) |
| Valuation | ||
| P/E | 10.3× (better) | 45.5× |
| P/S | 3.3× (better) | 13.4× |
| P/B | 1.6× (better) | 2.3× |
| P/FCF | 12.4× (better) | 53.2× |
| PEG | 0.55 (better) | 6.35 |
| FCF yield | 8.1% (better) | 1.9% |
| Fair value | $89.75 | $10.91 |
| Margin of safety | −1.6% (better) | −50.1% |
| Growth | ||
| Revenue growth (TTM) | 23.0% (better) | 10.5% |
| Revenue growth, 5Y average | 21.0% (better) | 1.7% |
| Net income growth (TTM) | 17.3% | 22.7% (better) |
| EPS growth (TTM) | 17.4% | 24.1% (better) |
| EPS growth, 5Y average | 19.0% (better) | 2.0% |
| Profitability | ||
| Net margin | 32.7% (better) | 29.7% |
| FCF margin | 26.9% (better) | 25.1% |
| Return on equity | 16.7% (better) | 5.3% |
| Financial health | ||
| Altman Z-score | 0.31 (better) | 0.27 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 7.1% |
| Payout ratio | – | 58.6% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.36% |
| Buyback yield | – | 0.19% |
| Shareholder yield | 0.00% | 7.3% (better) |
| Ownership | ||
| Held by institutions | 85.6% | 13.7% |
| Held by insiders | 4.2% | 0.45% |
| Insider net buying, 12 months | −$7.4M | −$2.4M (better) |
| Short interest, % of float | 5.9% | 3.7% |
Go deeper
- AX stock overview
- AX income statement
- AX valuation and score
- TFSL stock overview
- TFSL income statement
- TFSL valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.