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Axos Financial, Inc. (AX) stock analysis

AXNYSESavings Institution, Federally CharteredFiscal year ends June 30
Financials through Q1 FY2027, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 13/302% above fair value
$91.75−0.42 (-0.46%)

Close on Nov 11, 2026Market cap $5.20BP/E 10.4Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value2Growth2Performance5Health4Dividend0

Mixed13 of 30 checks passed

Axos Financial passes 13 of the 30 checks behind our score; 8 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
2/6
Past performance
5/6
Financial health
4/6
Dividend
0/6

What stands out

  • Return on equity over 15%

    Return on equity was 16.7% over the last twelve months and averaged 17.7% over five years.

  • Earnings grew over 5 years

    Net income grew 17.9% a year on average over the last five fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 18.7% a year over the last three fiscal years.

  • P/E below the industry

    Axos Financial's P/E of 10.4 is below the Savings Institutions median of 13.7.

What to watch

  • Margin of safety under 20%

    The price is 1.9% above fair value, so there is no margin of safety.

  • Trading above fair value

    The share price of $91.75 is above our fair value estimate of $90.05.

  • Revenue growing under 10% a year

    Revenue grew 7.6% a year over the last three fiscal years, short of the 10% we look for.

  • Earnings growth not accelerating

    Net income grew 17.3% over the last twelve months, against a 5-year average of 17.9% a year.

Valuation2/6

  • P/E above its 5-year median

    Axos Financial's P/E of 10.4 is above its own 5-year median of 9.9.

  • P/E below the industry

    Axos Financial's P/E of 10.4 is below the Savings Institutions median of 13.7.

  • P/S below the industry

    Axos Financial's price-to-sales of 3.35 is below the Savings Institutions median of 3.77.

  • P/B above the industry

    Axos Financial's price-to-book of 1.58 is above the Savings Institutions median of 1.04.

  • Trading above fair value

    The share price of $91.75 is above our fair value estimate of $90.05.

  • Margin of safety under 20%

    The price is 1.9% above fair value, so there is no margin of safety.

Growth2/6

  • Revenue growing under 10% a year

    Revenue grew 7.6% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 18.7% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew 17.3% over the last twelve months, against a 5-year average of 17.9% a year.

  • Growing faster than the industry

    Revenue grew 23.0% over the last twelve months; the Savings Institutions median is 9.0%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance5/6

  • Return on equity over 15%

    Return on equity was 16.7% over the last twelve months and averaged 17.7% over five years.

  • Return on assets over 1%

    Return on assets was 1.7%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Axos Financial's return on equity of 16.7% is above the Savings Institutions median of 6.1%.

  • Earnings grew over 5 years

    Net income grew 17.9% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 32.7% over the last twelve months, against a 5-year average of 567%.

  • Net margin above the industry

    Axos Financial's net margin of 32.7% is above the Savings Institutions median of 20.3%.

Financial health4/6

  • Well capitalized

    Equity is 10.7% of total assets; 8% or more is a comfortable cushion.

  • Loans exceed deposits

    Loans equal 102% of deposits, so the bank relies on other borrowing.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.2% of loans; we look for at least 1%.

  • Efficient operations

    Non-interest expense takes 49.7% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 14.1% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    Axos Financial has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$90.05

The share price is 2% above this estimate.

20%+ below
Near fair value
20%+ above
$91.75Price
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E11.8×9.9×13.7×$103.6450%
P/B1.3×1.6×1.0×$76.4650%
Fair value$90.05100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 9.9
  • Savings Institutions median 13.7

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$31.86M
Value traded per 1% price move
$27.34M

Downside

Low risk

Typical loss in a bad month
14.3%
Volatility (annualized)
30%
Sharpe ratio, 1 year
0.25
Beta to the S&P 500 (5Y)
1.25

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2012 to 2026

Net margin

603.5%−84.9 pts over 5 years

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