AX
Axos Financial, Inc.
Next earnings Jul 28, 2026 (after close) · consensus $2.26 EPS, $387M rev
Last earnings +1.6% on 2026-04-30
$96.23
▲ +0.93%$96.23▲ +33.58%
over 1Y
L $72.04EODHDH $101.01
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.9%
1W+8.7%
1M+10.5%
3M+16.0%
YTD+10.1%
1Y+33.6%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 14 analysts
Buy
Best-in-class branchless bank: 4.90% NIM, 17% ROE, sub-47% efficiency, strong capital — trading at just 11.9x earnings.
The read
The fundamentals carry the rating, but the price is rich (~31% above our fair-value estimate) — a quality-at-a-price call. The case rests on the business, not the entry; patient buyers may wait for a pullback.
Axos Financial is a branchless digital bank holding company that pairs the cost advantage of an online model with disciplined, high-margin lending. The MD&A figures show an exceptional bank: net interest income grew to $1,127.8M (from $961.4M), net interest margin expanded to 4.90% from 4.62% — well above industry norms — and the banking-segment efficiency ratio was a lean 40.80% (46.84% companywide), reflecting the structural cost edge of having no branches. Return on average common equity was 17.30% and return on average assets 1.82%, both top-tier for a bank.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $31.3M | $59.4M | $65.3M | $64.6M | $65.8M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $216M | $241M | $307M | $450M | $433M |
| Diluted EPS | $3.56 | $3.97 | $5.07 | $7.66 | $7.43 |
| Net margin | 688.4% | 405.0% | 470.7% | 696.2% | 658.0% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF12.5
PEG (trailing)—
Earnings yield8.0%
FCF yield8.0%
Quality & risk
ROIC (est.)—
Free cash flow$436M
Total debt$313M
Net cash$1.62B
Piotroski F-Score5/7
Capital returns
Buyback yield1.1%
Dividend yield (est.)—
Shareholder yield1.1%
Shares Δ YoY-0.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗4Period ending 2026-06-082026-06-09open ↗144Filing2026-06-09open ↗8-KPeriod ending 2026-06-082026-06-09open ↗144Filing2026-06-08open ↗4Period ending 2026-05-192026-05-21open ↗144Filing2026-05-19open ↗4Period ending 2026-05-122026-05-14open ↗4Period ending 2026-05-082026-05-12open ↗8-KPeriod ending 2026-05-042026-05-04open ↗8-KPeriod ending 2026-05-022026-05-04open ↗10-QPeriod ending 2026-03-312026-04-30open ↗8-KPeriod ending 2026-04-302026-04-30open ↗
Frequently asked
- Is Axos Financial, Inc. (AX) a buy?
- AX currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Best-in-class branchless bank: 4.90% NIM, 17% ROE, sub-47% efficiency, strong capital — trading at just 11.9x earnings.
- What is AX's fair value?
- A Modified-Graham model based on AX's SEC fundamentals estimates a fair value of about $66.31. It is an estimate from reported earnings, not a price target.
- Is AX overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, AX currently appears overvalued relative to its SEC-grounded earnings power.
- What is Axos Financial, Inc.'s quality score?
- AX scores 66.79411764705883/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001299709, latest 10-Q filed 2026-04-30) · EODHD · analysis by claude-code · as of 6/21/2026, 9:00:23 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.