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Axos Financial NYSE:AX Stock Report

Last Price

US$72.39

Market Cap

US$4.1b

7D

5.0%

1Y

32.6%

Updated

21 Jan, 2025

Data

Company Financials +

Axos Financial, Inc.

NYSE:AX Stock Report

Market Cap: US$4.1b

AX Stock Overview

Provides consumer and business banking products in the United States. More details

AX fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends0/6

Rewards

Trading at 63.7% below our estimate of its fair value

Earnings grew by 44.7% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 6.5% per year for the next 3 years

Significant insider selling over the past 3 months


Community Narratives

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Narratives bring a range of perspectives from our community.

WA
Analyst Price Target
Consensus Narrative from 6 Analysts

Competitive Loan Markets Will Pressure Net Interest Margins Amid Rising Credit Losses

Key Takeaways Expansion in commercial deposits and strategic team hires are set to enhance revenue and improve net interest margins. Diversified lending and asset growth, coupled with operational efficiencies, aim to drive earnings and improve net margins.
View narrative
US$83.71
FV
13.5% undervalued intrinsic discount
8.98%
Revenue growth p.a.
0users have liked this narrative
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0users have followed this narrative
13 days ago author updated this narrative

My Notes

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Axos Financial, Inc. Competitors

International Bancshares

NasdaqGS:IBOC

US$4.1b

BancFirst

NasdaqGS:BANF

US$4.0b

First Interstate BancSystem

NasdaqGS:FIBK

US$3.4b

Fulton Financial

NasdaqGS:FULT

US$3.8b

Price History & Performance

Summary of share price highs, lows and changes for Axos Financial
Historical stock prices
Current Share PriceUS$72.39
52 Week HighUS$88.46
52 Week LowUS$44.10
Beta1.46
1 Month Change0.92%
3 Month Change10.28%
1 Year Change32.61%
3 Year Change32.56%
5 Year Change157.62%
Change since IPO2,417.91%

Recent News & Updates

Is Now The Time To Put Axos Financial (NYSE:AX) On Your Watchlist?

Jan 20
Is Now The Time To Put Axos Financial (NYSE:AX) On Your Watchlist?

Axos: Fed's Hawkish Forecast Hits Two Birds With One Stone

Dec 21

Recent updates

Is Now The Time To Put Axos Financial (NYSE:AX) On Your Watchlist?

Jan 20
Is Now The Time To Put Axos Financial (NYSE:AX) On Your Watchlist?

Axos: Fed's Hawkish Forecast Hits Two Birds With One Stone

Dec 21

It's Unlikely That Axos Financial, Inc.'s (NYSE:AX) CEO Will See A Huge Pay Rise This Year

Nov 08
It's Unlikely That Axos Financial, Inc.'s (NYSE:AX) CEO Will See A Huge Pay Rise This Year

We Ran A Stock Scan For Earnings Growth And Axos Financial (NYSE:AX) Passed With Ease

Oct 18
We Ran A Stock Scan For Earnings Growth And Axos Financial (NYSE:AX) Passed With Ease

Axos Bank: Taking An Axe To The Loan Book

Sep 26

Axos Financial: When Quality Deserves A Premium

Aug 14

Does Axos Financial (NYSE:AX) Deserve A Spot On Your Watchlist?

Jun 07
Does Axos Financial (NYSE:AX) Deserve A Spot On Your Watchlist?

Earnings Beat: Axos Financial, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models

May 03
Earnings Beat: Axos Financial, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models

Axos: A Very Profitable Business At An Attractive Price

Apr 06

Earnings Beat: Axos Financial, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models

Feb 01
Earnings Beat: Axos Financial, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models

We Ran A Stock Scan For Earnings Growth And Axos Financial (NYSE:AX) Passed With Ease

Jan 08
We Ran A Stock Scan For Earnings Growth And Axos Financial (NYSE:AX) Passed With Ease

Axos Financial Surges On 2 Big Developments

Dec 12

Axos Financial: Looking For More Than Just Good EPS Growth

Sep 21

Here's Why Axos Financial (NYSE:AX) Has Caught The Eye Of Investors

Sep 09
Here's Why Axos Financial (NYSE:AX) Has Caught The Eye Of Investors

Axos Financial: 3 Factors To Monitor In Coming Months

Jun 27

Is Now The Time To Put Axos Financial (NYSE:AX) On Your Watchlist?

Apr 26
Is Now The Time To Put Axos Financial (NYSE:AX) On Your Watchlist?

Should You Be Adding Axos Financial (NYSE:AX) To Your Watchlist Today?

Jan 24
Should You Be Adding Axos Financial (NYSE:AX) To Your Watchlist Today?

Axos Financial FQ1 2023 Earnings Preview

Oct 26

Gator Capital - Axos Financial: An Outsized Opportunity

Aug 27

Is Now The Time To Put Axos Financial (NYSE:AX) On Your Watchlist?

Aug 17
Is Now The Time To Put Axos Financial (NYSE:AX) On Your Watchlist?

Here's Why I Think Axos Financial (NYSE:AX) Might Deserve Your Attention Today

May 02
Here's Why I Think Axos Financial (NYSE:AX) Might Deserve Your Attention Today

Shareholder Returns

AXUS BanksUS Market
7D5.0%5.8%3.1%
1Y32.6%38.0%23.7%

Return vs Industry: AX underperformed the US Banks industry which returned 38% over the past year.

Return vs Market: AX exceeded the US Market which returned 23.7% over the past year.

Price Volatility

Is AX's price volatile compared to industry and market?
AX volatility
AX Average Weekly Movement7.4%
Banks Industry Average Movement5.2%
Market Average Movement6.5%
10% most volatile stocks in US Market18.9%
10% least volatile stocks in US Market3.2%

Stable Share Price: AX has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: AX's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19991,781Greg Garrabrantsinvestors.axosfinancial.com/corporate-profile/default.aspx

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business. It offers deposits products, including consumer and business checking, savings, time deposit, and commercial and deposits.

Axos Financial, Inc. Fundamentals Summary

How do Axos Financial's earnings and revenue compare to its market cap?
AX fundamental statistics
Market capUS$4.11b
Earnings (TTM)US$479.70m
Revenue (TTM)US$1.13b

8.6x

P/E Ratio

1.7x

P/B Ratio

Is AX overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AX income statement (TTM)
RevenueUS$1.13b
Cost of RevenueUS$0
Gross ProfitUS$1.13b
Other ExpensesUS$647.48m
EarningsUS$479.70m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Jan 28, 2025

Earnings per share (EPS)8.40
Gross Margin100.00%
Net Profit Margin42.56%
Debt/Equity Ratio23.4%

How did AX perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/21 00:05
End of Day Share Price 2025/01/21 00:00
Earnings2024/09/30
Annual Earnings2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Axos Financial, Inc. is covered by 18 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen MossB. Riley Securities, Inc.
Bradley BerningCraig-Hallum Capital Group LLC
Gary TennerD.A. Davidson & Co.