Axos Financial Management
Management criteria checks 3/4
Axos Financial's CEO is Greg Garrabrants, appointed in Oct 2007, has a tenure of 18.67 years. total yearly compensation is $11.69M, comprised of 6% salary and 94% bonuses, including company stock and options. directly owns 2.79% of the company’s shares, worth $142.41M. The average tenure of the management team and the board of directors is 8.7 years and 14.8 years respectively.
Key information
Greg Garrabrants
Chief executive officer
US$11.7m
Total compensation
| CEO salary percentage | 5.99% |
| CEO tenure | 18.7yrs |
| CEO ownership | 2.8% |
| Management average tenure | 8.7yrs |
| Board average tenure | 14.8yrs |
Recent management updates
Recent updates
Narrative Update • Jun 05
AX: Strong Loan Pipeline And Acquisitions Will Support Future Upside
Analysts have nudged their price target on Axos Financial higher from $109.50 to about $110.17. This reflects updated views on the stock's fair value, discount rate, revenue growth, profit margin, and forward P/E assumptions.Seeking Alpha • May 01
Axos Financial: The Digital Bank Trades At Lofty Premium
Summary Axos Financial, Inc. reported strong revenue growth in fiscal Q3 2026, driven by acquisitions, but adjusted EPS missed consensus by $0.23. Non-interest income surged 157.7% to $86 million, primarily from the Verdant acquisition, while net interest income rose 11.2% year-over-year. Loan and deposit balances expanded rapidly, with asset quality stable despite a $41 million provision for credit losses linked to new assets. AX stock trades at a significant premium to book value; we maintain a neutral rating, preferring a larger pullback before entry despite ongoing growth. Read the full article on Seeking AlphaNarrative Update • Apr 30
AX: Stable Margins And Phased Project Funding Will Support Future Upside
Analysts have reiterated a $109.50 price target for Axos Financial, citing relatively stable assumptions for revenue growth, profit margin and future P/E that align with recent supportive research commentary on comparable financial names. Analyst Commentary Recent Street research on related financial and resource names provides some context for how analysts are thinking about risk, funding visibility and growth pathways, which can inform how you frame Axos Financial in a portfolio.Narrative Update • Apr 12
AX: Stable Margins And Buybacks Will Support Future Upside Potential
Analysts have trimmed their price target on Axos Financial by about $1 to $109.50. This reflects slightly lower revenue growth and profit margin assumptions, along with a marginally higher future P/E multiple in their updated models.Narrative Update • Mar 28
AX: Stable Margins And Capital Discipline Will Support Future Upside Potential
Narrative Update: Axos Financial Analysts have trimmed the Axos Financial price target by about $1.67 to $110.33, reflecting slightly adjusted assumptions for fair value, revenue growth, profit margin, and future P/E, while still seeing a constructive setup in light of recent supportive Street research. Analyst Commentary Street commentary referenced in the recent target adjustment focuses on Axo Copper, not Axos Financial, but the themes still give you a sense of how analysts are thinking about valuation, project funding, and jurisdictional risk.Narrative Update • Mar 14
AX: Stable Margins And Future P/E Will Support Upside Potential
Analysts have modestly adjusted their Axos Financial price target to $112, reflecting updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E that are broadly consistent with prior estimates. Analyst Commentary Analyst commentary around Axos Financial has focused on how current assumptions for fair value and P/E line up with execution risk, balance sheet strength, and the growth outlook that is already reflected in the updated price target.Narrative Update • Feb 28
AX: Completed Buyback And Higher Future P/E Will Support Upside
Analysts have inched their price target for Axos Financial higher from $111.40 to $112.00. The change reflects updated views on fair value, discount rate, revenue growth, profit margin and future P/E assumptions.Narrative Update • Feb 14
AX: Higher Revenue Assumptions And Firm P/E Outlook Will Support Upside
Analysts have nudged their price target for Axos Financial up from $109.50 to $111.40, reflecting updated assumptions for revenue growth, profit margins, the discount rate, and future P/E levels. Valuation Changes Fair Value: $109.50 has moved slightly higher to $111.40, a modest upward adjustment in the modelled estimate.Analysis Article • Feb 01
Axos Financial, Inc. Just Beat Revenue By 11%: Here's What Analysts Think Will Happen Next
As you might know, Axos Financial, Inc. ( NYSE:AX ) just kicked off its latest quarterly results with some very strong...Narrative Update • Jan 30
AX: Higher Revenue Outlook And Slightly Lower Margins Will Shape Fair Value
Analysts have raised their price target for Axos Financial from US$100.50 to US$109.50, citing updated assumptions that reflect their latest views on revenue growth, profit margins, discount rates, and future P/E levels. Valuation Changes Fair Value Estimate, raised from US$100.50 to US$109.50, indicating a modest uplift in the assumed intrinsic value per share.Narrative Update • Nov 26
AX: Share Buybacks And Debt Offering Will Drive Future Upside
Narrative Update on Axos Financial Axos Financial's analyst price target remains unchanged at $100.50, as analysts cite stable forecast assumptions and minimal shifts in key financial drivers. What's in the News Axos Financial completed the repurchase of 853,609 shares, representing 1.5% of outstanding shares, for $51.93 million under the buyback announced on February 12, 2024 (Key Developments).Narrative Update • Nov 04
AX: Share Repurchases And Buyback Program Will Support Future Upside
Analysts have revised their price target for Axos Financial downward from $102.83 to $100.50. They cited higher expectations for revenue growth but slightly reduced profit margin forecasts.Narrative Update • Sep 24
Digital Banking And AI Investments Will Capture Emerging Loan Opportunities
The upward revision in Axos Financial’s consensus price target reflects analysts’ increased revenue growth expectations, with fair value rising from $100.17 to $102.83. What's in the News Raymond James & Associates, Inc.Seeking Alpha • Dec 21
Axos: Fed's Hawkish Forecast Hits Two Birds With One Stone
Summary Axos Financial's strong recent performance, Fed's rate projections, and attractive valuation reinforce my buy rating on the stock. Despite some credit deterioration, Axos' loan portfolio and net interest income show robust growth. Future growth prospects remain positive, supported by expected organic loan growth and general market euphoria that is unlikely to be disrupted soon. The current valuation is justified by growth prospects; the recent price dip offers an attractive entry point. Read the full article on Seeking AlphaSeeking Alpha • Sep 26
Axos Bank: Taking An Axe To The Loan Book
Summary Axos Bank's high NIM and profitability mask potential risks from high-yielding, low LTV loans to risky borrowers, raising concerns about loan quality. Axos trades at an 83% premium to TBV, unlike comparable banks like OZK, suggesting an inflated valuation with little room for error. Pairing a short position in Axos with a long position in undervalued banks like NYCB offers a better risk-reward profile given CRE market uncertainties. Read the full article on Seeking Alpha
New Narrative • Sep 03
Critical Growth And Digital Expansion Propel Profits, Despite Looming Loan And Margin Challenges
Axos Financial's strategic initiatives in operational efficiency and product diversification are poised to enhance revenue streams and optimize profit margins.Seeking Alpha • Aug 14
Axos Financial: When Quality Deserves A Premium
Summary Axos Financial outperformed the industry in Q4 2024 with double-digit earnings and book value growth, trading at a discount. The company owns Axos Bank, Axos Clearing LLC, and Axos Invest, showing a diversified business model with strong growth and profitability. Management at Axos Financial has shown competence in balancing growth, risk, and profitability. Shares are a buy with price target of $90. Read the full article on Seeking AlphaSeeking Alpha • Apr 06
Axos: A Very Profitable Business At An Attractive Price
Summary Axos Financial is a diversified financial services company providing consumer and commercial banking products nationwide. This is a very profitable business that has been growing fast over the years. Most importantly, however, the shares are trading at an attractive price. Read the full article on Seeking AlphaSeeking Alpha • Dec 12
Axos Financial Surges On 2 Big Developments
Summary Shares of Axos Financial have risen by 30.4%, despite no new financial data being released, indicating speculative thinking. The addition of Sara Wardell-Smith, former head of North American commercial business at Visa, to the board suggests exploration of new opportunities. Axos Financial's acquisition of two loan portfolios from the FDIC at a discount of $463.7 million presents attractive potential for the company. Read the full article on Seeking AlphaSeeking Alpha • Sep 21
Axos Financial: Looking For More Than Just Good EPS Growth
Summary Axos Financial raised diluted EPS by 52% last quarter due to rising interest rates. The company operates as an exclusively online bank, offering convenient digital banking solutions. While the company has strong financial metrics, the lack of a dividend or share buybacks makes it less appealing to investors. Read the full article on Seeking AlphaCEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$476m |
| Dec 31 2025 | n/a | n/a | US$457m |
| Sep 30 2025 | n/a | n/a | US$433m |
| Jun 30 2025 | US$12m | US$700k | US$433m |
| Mar 31 2025 | n/a | n/a | US$427m |
| Dec 31 2024 | n/a | n/a | US$433m |
| Sep 30 2024 | n/a | n/a | US$480m |
| Jun 30 2024 | US$14m | US$700k | US$450m |
| Mar 31 2024 | n/a | n/a | US$432m |
| Dec 31 2023 | n/a | n/a | US$402m |
| Sep 30 2023 | n/a | n/a | US$331m |
| Jun 30 2023 | US$11m | US$700k | US$307m |
| Mar 31 2023 | n/a | n/a | US$278m |
| Dec 31 2022 | n/a | n/a | US$260m |
| Sep 30 2022 | n/a | n/a | US$239m |
| Jun 30 2022 | US$14m | US$700k | US$241m |
| Mar 31 2022 | n/a | n/a | US$237m |
| Dec 31 2021 | n/a | n/a | US$229m |
| Sep 30 2021 | n/a | n/a | US$223m |
| Jun 30 2021 | US$5m | US$700k | US$216m |
| Mar 31 2021 | n/a | n/a | US$206m |
| Dec 31 2020 | n/a | n/a | US$209m |
| Sep 30 2020 | n/a | n/a | US$195m |
| Jun 30 2020 | US$5m | US$700k | US$183m |
| Mar 31 2020 | n/a | n/a | US$178m |
| Dec 31 2019 | n/a | n/a | US$161m |
| Sep 30 2019 | n/a | n/a | US$159m |
| Jun 30 2019 | US$5m | US$700k | US$155m |
Compensation vs Market: Greg's total compensation ($USD11.69M) is above average for companies of similar size in the US market ($USD8.38M).
Compensation vs Earnings: Greg's compensation has been consistent with company performance over the past year.
CEO
Greg Garrabrants (54 yo)
18.7yrs
Tenure
US$11,694,915
Compensation
Mr. Gregory Garrabrants, CFA, JD, also known as Greg, has been the President and Chief Executive Officer of Axos Financial, Inc. (formerly, BofI Holding, Inc.) and Axos Bank since October 2007 and has been...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 18.7yrs | US$11.69m | 2.79% $ 142.4m | |
| Executive VP & CFO | 4.8yrs | US$1.40m | 0.076% $ 3.9m | |
| Executive VP | 12.5yrs | US$2.00m | 0.056% $ 2.9m | |
| President of Consumer Bank | no data | US$2.03m | 0.11% $ 5.5m | |
| Senior VP & Chief Accounting Officer | 1.8yrs | no data | 0.021% $ 1.1m | |
| Executive VP & Chief Administrative Officer | no data | no data | 0.0024% $ 121.3k | |
| Senior Vice President of Corporate Development & Investor Relations | no data | no data | no data | |
| Executive VP of Strategic Partnerships & Chief Legal Officer | 15.4yrs | US$1.02m | 0.23% $ 11.9m | |
| Executive Vice President of Finance | 4.8yrs | US$2.21m | 0.12% $ 6.3m | |
| Executive VP & Chief Credit Officer - Axos Bank | no data | US$1.28m | 0.034% $ 1.7m | |
| Executive VP & COO - Axos Bank | 8.7yrs | US$1.59m | 0.077% $ 3.9m | |
| Executive Vice President of Trustee & Fiduciary Services | no data | no data | no data |
8.7yrs
Average Tenure
59yo
Average Age
Experienced Management: AX's management team is seasoned and experienced (8.7 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 18.3yrs | US$11.69m | 2.79% $ 142.4m | |
| Independent Chairman of the Board | 22.2yrs | US$1.18m | 0.21% $ 10.7m | |
| Independent Vice Chairman of the Board | 17.1yrs | US$508.68k | 0.14% $ 7.2m | |
| Independent Director | 3.8yrs | US$387.94k | 0.013% $ 684.9k | |
| Independent Director | 16.2yrs | US$387.94k | 0.081% $ 4.1m | |
| Independent Director | 4.8yrs | US$387.94k | 0.020% $ 998.8k | |
| Independent Director | 2.5yrs | US$387.94k | 0.022% $ 1.1m | |
| Independent Director | 11.4yrs | US$387.94k | 0.055% $ 2.8m | |
| Independent Director | 6.8yrs | US$387.94k | 0.023% $ 1.2m | |
| Independent Director | 15.2yrs | US$437.16k | 0.059% $ 3.0m | |
| Independent Director | 14.8yrs | US$387.94k | 0.13% $ 6.4m |
14.8yrs
Average Tenure
58yo
Average Age
Experienced Board: AX's board of directors are seasoned and experienced ( 14.8 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/16 08:26 |
| End of Day Share Price | 2026/06/16 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/06/30 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
Analysis Model and Snowflake
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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 Github.
Analyst Sources
Axos Financial, Inc. is covered by 15 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.
| Analyst | Institution |
|---|---|
| Stephen Moss | B. Riley Securities, Inc. |
| Bradley Berning | Craig-Hallum Capital Group LLC |
| Gary Tenner | D.A. Davidson & Co. |