AX
Neutral signalScored 2026-08-07 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Axos Financial, Inc.
- Nom
- Axos Financial, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $5.2B
- Employés
- 2,191
- PDG
- Gregory Garrabrants
- Site web
- http://investors.axosfinancial.com
- Marché
- ABCBAUBAVALFFINHWCIBOC
Founded in Las Vegas, Nevada, in 1999, Axos Financial, Inc. is a U.S.-based financial institution that delivers a comprehensive array of banking services to both individual consumers and businesses. The company operates through two primary divisions: its core Banking Business and its Securities Business. For deposits, Axos provides a broad spectrum of options including checking, savings, demand, money market, and time deposit accounts, alongside specialized products such as zero balance and insured cash sweep accounts. Its diverse lending portfolio encompasses various mortgage types, such as single-family, multi-family, and commercial real estate-backed loans. They also extend commercial and industrial loans, comprising non-real estate, asset-backed, term loans, and lines of credit. Consumer lending encompasses automobile loans, fixed-rate unsecured loans, and unique offerings such as structured settlements, Small Business Administration (SBA) loans, and securities-backed financing. Beyond its core banking activities, Axos provides extensive services, including ACH origination, wire transfers, commercial check printing, and tools for business bill payment and account transfers. Digital solutions such as remote and mobile deposit, lockbox services, merchant payment processing, and online payment portals are readily available. Clients benefit from concierge banking, mobile and text message banking, diverse payment services, and access to debit cards, credit cards, and digital wallets. In its Securities Business, Axos facilitates disclosed clearing services and comprehensive back-office support. This encompasses record keeping, trade reporting, accounting, general administrative support, securities and margin lending, reorganization assistance, and the secure custody of securities. The company also offers financing solutions to its brokerage clients. The institution, previously known as BofI Holding, Inc., adopted its current name, Axos Financial, Inc., in September 2018.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 500 titres (~52 650,00 $ US)
- Insiders
- Santi Roque A
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$177,600
Avg sell (VWAP, 90d window) $100.06 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-05
- Last synced
-
2026-08-11 09:46:50
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-05 | Santi Roque A | Sell · S | 500 | $105.30 | $52,650 | Form 4 |
| 2026-02-17 | Nick Mosich | Sell · S | 1,275 | $98.00 | $124,950 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-07 Drivers: fundamentals. Moteurs : fondamentaux.
Axos Financial (AX) delivered a meaningful earnings beat (~17.7% EPS surprise) with solid catalyst confidence (0.75), providing a genuine short-term bullish signal.
The first sentence of the analysis written for AX on 2026-08-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.84 · operating margin 30% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 63.0% | 61.5% | 58.9% | 68.5% | 89.9% | |
| Ebit Margin | 29.5% | 31.8% | 36.0% | 34.2% | 44.9% | |
| Ebitda Margin | 29.5% | 33.3% | 37.5% | 36.0% | 48.1% | |
| Operating Profit Margin | 29.5% | 31.8% | 36.0% | 34.2% | 44.9% | |
| Pretax Profit Margin | 29.5% | 31.8% | 36.0% | 34.2% | 44.9% | |
| Continuous Operations Profit Margin | 22.4% | 22.4% | 25.5% | 24.3% | 31.8% | |
| Net Profit Margin | 22.4% | 22.4% | 25.5% | 24.3% | 31.8% | |
| Bottom Line Profit Margin | 22.4% | 22.4% | 25.5% | 24.3% | 31.8% | |
| Current Ratio | 0.839 | 0.112 | 0.122 | 0.166 | 0.130 | |
| Quick Ratio | 0.839 | 0.112 | 0.122 | 0.166 | 0.130 | |
| Solvency Ratio | 0.000 | 0.021 | 0.023 | 0.018 | 0.017 | |
| Cash Ratio | 0.000 | 0.091 | 0.101 | 0.127 | 0.083 | |
| Price To Earnings Ratio | 11.246 | 9.992 | 7.338 | 7.658 | 8.874 | |
| Price To Earnings Growth Ratio | 0.815 | -3.721 | 0.142 | 0.279 | 0.808 | |
| Forward Price To Earnings Growth Ratio | 0.815 | -3.721 | 0.142 | 0.279 | 0.808 | |
| Price To Earnings Diluted Ratio | 11.485 | 10.234 | 7.491 | 7.779 | 9.030 | |
| Price To Earnings Diluted Growth Ratio | 0.813 | -3.408 | 0.147 | 0.281 | 0.784 | |
| Price To Book Ratio | 1.743 | 1.613 | 1.441 | 1.228 | 1.299 | |
| Price To Sales Ratio | 2.519 | 2.241 | 1.867 | 1.862 | 2.816 | |
| Price To Free Cash Flow Ratio | 0.000 | 9.914 | 12.244 | 14.140 | 10.937 | |
| Price To Operating Cash Flow Ratio | 0.000 | 8.818 | 10.802 | 11.968 | 9.851 | |
| Debt To Assets Ratio | 0.023 | 0.015 | 0.018 | 0.022 | 0.032 | |
| Debt To Equity Ratio | 0.218 | 0.139 | 0.181 | 0.236 | 0.343 | |
| Debt To Capital Ratio | 0.179 | 0.122 | 0.154 | 0.191 | 0.255 | |
| Long Term Debt To Capital Ratio | 0.136 | 0.122 | 0.144 | 0.191 | 0.246 | |
| Financial Leverage Ratio | 9.462 | 9.245 | 9.978 | 10.614 | 10.624 | |
| Working Capital Turnover Ratio | -0.233 | -0.107 | -0.111 | -0.093 | -0.067 | |
| Operating Cash Flow Ratio | 0.000 | 0.023 | 0.016 | 0.011 | 0.015 | |
| Operating Cash Flow Sales Ratio | 0.000 | 0.254 | 0.173 | 0.156 | 0.286 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.000 | 0.889 | 0.882 | 0.846 | 0.901 | |
| Debt Service Coverage Ratio | 0.542 | 0.672 | 0.659 | 0.884 | 3.314 | |
| Interest Coverage Ratio | 0.911 | 0.892 | 0.915 | 1.154 | 6.467 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 10.183 | 0.000 | 7.877 | |
| Operating Cash Flow Coverage Ratio | 0.000 | 1.316 | 0.735 | 0.435 | 0.385 | |
| Capital Expenditure Coverage Ratio | 0.000 | 9.045 | 8.495 | 6.510 | 10.074 | |
| Dividend Paid And Capex Coverage Ratio | 0.000 | 9.045 | 8.495 | 6.510 | 10.074 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 9.602 | 4.300 | 2.619 | 1.259 | 4.098 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 63.0% | ▲1.5% | ▼-5.4% |
| Ebit Margin | 29.5% | ▼-2.3% | ▼-5.7% |
| Ebitda Margin | 29.5% | ▼-3.8% | ▼-7.4% |
| Operating Profit Margin | 29.5% | ▼-2.3% | ▼-5.7% |
| Pretax Profit Margin | 29.5% | ▼-2.3% | ▼-5.7% |
| Continuous Operations Profit Margin | 22.4% | ▼-0.1% | ▼-2.9% |
| Net Profit Margin | 22.4% | ▼-0.1% | ▼-2.9% |
| Bottom Line Profit Margin | 22.4% | ▼-0.1% | ▼-2.9% |
| Current Ratio | 0.839 | ▲0.727 | ▲0.566 |
| Quick Ratio | 0.839 | ▲0.727 | ▲0.566 |
| Solvency Ratio | 0.000 | ▼-0.021 | ▼-0.016 |
| Cash Ratio | 0.000 | ▼-0.091 | ▼-0.080 |
| Price To Earnings Ratio | 11.246 | ▲1.254 | ▲2.224 |
| Price To Earnings Growth Ratio | 0.815 | ▲4.536 | ▲1.151 |
| Forward Price To Earnings Growth Ratio | 0.815 | ▲4.536 | ▲1.151 |
| Price To Earnings Diluted Ratio | 11.485 | ▲1.250 | ▲2.281 |
| Price To Earnings Diluted Growth Ratio | 0.813 | ▲4.221 | ▲1.089 |
| Price To Book Ratio | 1.743 | ▲0.130 | ▲0.278 |
| Price To Sales Ratio | 2.519 | ▲0.278 | ▲0.258 |
| Price To Free Cash Flow Ratio | 0.000 | ▼-9.914 | ▼-9.447 |
| Price To Operating Cash Flow Ratio | 0.000 | ▼-8.818 | ▼-8.288 |
| Debt To Assets Ratio | 0.023 | ▲0.008 | ▲0.001 |
| Debt To Equity Ratio | 0.218 | ▲0.079 | ▼-0.005 |
| Debt To Capital Ratio | 0.179 | ▲0.057 | ▼-0.001 |
| Long Term Debt To Capital Ratio | 0.136 | ▲0.014 | ▼-0.032 |
| Financial Leverage Ratio | 9.462 | ▲0.217 | ▼-0.522 |
| Working Capital Turnover Ratio | -0.233 | ▼-0.126 | ▼-0.111 |
| Operating Cash Flow Ratio | 0.000 | ▼-0.023 | ▼-0.013 |
| Operating Cash Flow Sales Ratio | 0.000 | ▼-0.254 | ▼-0.174 |
| Free Cash Flow Operating Cash Flow Ratio | 0.000 | ▼-0.889 | ▼-0.704 |
| Debt Service Coverage Ratio | 0.542 | ▼-0.130 | ▼-0.672 |
| Interest Coverage Ratio | 0.911 | ▲0.019 | ▼-1.157 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▼-3.612 |
| Operating Cash Flow Coverage Ratio | 0.000 | ▼-1.316 | ▼-0.574 |
| Capital Expenditure Coverage Ratio | 0.000 | ▼-9.044 | ▼-6.825 |
| Dividend Paid And Capex Coverage Ratio | 0.000 | ▼-9.044 | ▼-6.825 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 9.602 | ▲5.302 | ▲5.226 |
Key metrics
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|---|
| Market cap | $5.52B | $4.32B | $3.30B | $2.35B | $2.13B | |
| Enterprise value | $6.21B | $2.76B | $1.74B | $573.0M | $1.49B | |
| EV / Sales | 2.83x | 1.43x | 0.98x | 0.45x | 1.97x | |
| EV / Op. cash flow | 0.00x | 5.63x | 5.68x | 2.91x | 6.90x | |
| EV / Free cash flow | 0.00x | 6.33x | 6.44x | 3.44x | 7.66x | |
| EV / EBITDA | 9.60x | 4.30x | 2.62x | 1.26x | 4.10x | |
| Net debt / EBITDA | 1.07x | -2.43x | -2.36x | -3.91x | -1.75x | |
| Current ratio | 0.84x | 0.11x | 0.12x | 0.17x | 0.13x | |
| Income quality | 0.00x | 1.13x | 0.68x | 0.64x | 0.90x | |
| Graham number | $104 | $90 | $84 | $61 | $50 | |
| Graham net-net | $3 | -$349 | -$317 | -$262 | -$236 | |
| Tax burden | 75.8% | 70.6% | 70.8% | 71.1% | 70.8% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$31.3M | -$18.81B | -$17.28B | -$14.66B | -$12.60B | |
| Invested capital | -$31.3M | -$18.64B | -$17.11B | -$14.48B | -$12.32B | |
| Return on assets | 1.6% | 1.7% | 2.0% | 1.5% | 1.4% | |
| Operating ROA | 2.4% | 2.6% | 2.9% | 2.3% | 2.1% | |
| Return on tangible assets | 1.6% | 1.8% | 2.0% | 1.5% | 1.4% | |
| Return on equity | 15.5% | 16.1% | 19.6% | 16.0% | 14.7% | |
| Return on invested capital | 1.6% | 12.0% | 14.1% | 11.0% | 8.2% | |
| Return on capital employed | 2.2% | 17.0% | 20.1% | 15.5% | 11.4% | |
| Earnings yield | 8.9% | 10.0% | 13.6% | 13.0% | 11.3% | |
| Free cash flow yield | 0.0% | 10.1% | 8.2% | 7.1% | 9.1% | |
| Capex / Op. cash flow | 0.0% | 11.1% | 11.8% | 15.4% | 9.9% | |
| Capex / Depreciation | 0.0% | 186.8% | 132.8% | 129.2% | 87.4% | |
| Capex / Sales | 0.0% | 2.8% | 2.0% | 2.4% | 2.8% | |
| SG&A / Sales | 0.0% | 21.1% | 19.7% | 24.2% | 30.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 2.2% | 2.0% | 2.1% | 2.8% | |
| Intangibles / Total assets | 0.0% | 0.7% | 0.7% | 0.9% | 1.0% | |
| Days sales outstanding | 0d | 71d | 59d | 128d | 201d | |
| Days payables outstanding | 0d | 172d | 151d | 408d | 2447d | |
| Operating cycle | 0d | 71d | 59d | 128d | 201d | |
| Cash conversion cycle | 0d | -101d | -92d | -280d | -2246d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-01 Arrowstreet Capital Limited Partnership Has $10.46 Million Position in Axos Financial, Inc $AX Arrowstreet Capital Limited Partnership boosted its stake in Axos Financial, Inc (NYSE: AX) by 8.5% in the first quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The firm owned 122,888 shares of the company''s stock after purchasing an additional 9,659 shares during the quarter. Arrowstreet Capital
- 2026-07-30 Axos Financial, Inc. (AX) Q4 2026 Earnings Call Transcript Axos Financial, Inc. (AX) Q4 2026 Earnings Call Transcript
- 2026-07-30 Compared to Estimates, Axos Financial (AX) Q4 Earnings: A Look at Key Metrics The headline numbers for Axos Financial (AX) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-07-30 Axos Financial (AX) Beats Q4 Earnings and Revenue Estimates Axos Financial (AX) came out with quarterly earnings of $2.53 per share, beating the Zacks Consensus Estimate of $2.15 per share. This compares to earnings of $1.94 per share a year ago.
- 2026-07-30 Axos Financial, Inc. Reports Fiscal Year 2026 Results LAS VEGAS--(BUSINESS WIRE)--Axos Financial, Inc. (NYSE: AX) (“Axos” or the “Company”) today announced unaudited financial results for the fourth fiscal quarter ended June 30, 2026. Net income was $124.9 million and diluted earnings per share (“EPS”) was $2.16 for the quarter ended June 30, 2026. Net income for the quarter ended June 30, 2025 was $110.7 million and diluted EPS was $1.92. Adjusted earnings and adjusted earnings per diluted common share (“Adjusted EPS”), non-GAAP measures describe.
- 2026-07-27 Axos Financial: Solid Growth Doesn''t Change My Opinion Axos Financial remains rated ‘hold'' despite improving fundamentals and low risk, as valuation is not compelling enough for an upgrade. Deposits rose to $22.39B with 85% insured, while loans expanded to $24.96B, reflecting robust balance sheet growth and prudent asset mix. Net interest income and non-interest income both increased, but higher provisions for credit losses and elevated non-performing assets temper enthusiasm.
- 2026-07-26 Dimensional Fund Advisors LP Buys 7,509 Shares of Axos Financial, Inc $AX Dimensional Fund Advisors LP raised its stake in shares of Axos Financial, Inc (NYSE: AX) by 0.3% in the undefined quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The firm owned 2,177,003 shares of the company''s stock after buying an additional 7,509 shares during the quarter. Dimensional
- 2026-07-23 Axos Financial (AX) Earnings Expected to Grow: What to Know Ahead of Next Week''s Release Axos Financial (AX) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-07-23 Axos Financial (AX) Expected to Announce Quarterly Earnings on Thursday Axos Financial (NYSE: AX - Get Free Report) will likely be releasing its Q4 2026 results after the market closes on Thursday, July 30th. Analysts expect the company to post earnings of $2.15 per share and revenue of $375.5410 million for the quarter. Parties may visit the the company''s upcoming Q4 2026 earning report page for
- 2026-07-20 Bessemer Group Inc. Purchases 19,637 Shares of Axos Financial, Inc $AX Bessemer Group Inc. increased its holdings in Axos Financial, Inc (NYSE: AX) by 30.3% during the first quarter, according to its most recent disclosure with the SEC. The institutional investor owned 84,354 shares of the company''s stock after buying an additional 19,637 shares during the period. Bessemer Group Inc. owned 0.15% of Axos