Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. More Details
Flawless balance sheet and fair value.
Share Price & News
How has Axos Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: AX is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: AX's weekly volatility (5%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: AX exceeded the US Mortgage industry which returned 50% over the past year.
Return vs Market: AX exceeded the US Market which returned 49.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Axos Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StCan You Imagine How Jubilant Axos Financial's (NYSE:AX) Shareholders Feel About Its 137% Share Price Gain?
1 month ago | Simply Wall StDoes Axos Financial (NYSE:AX) Deserve A Spot On Your Watchlist?
2 months ago | Simply Wall StIndependent Vice Chairman of the Board Nicholas Mosich Just Sold A Bunch Of Shares In Axos Financial, Inc. (NYSE:AX)
Is Axos Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: AX ($46.27) is trading below our estimate of fair value ($71.91)
Significantly Below Fair Value: AX is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: AX's PE Ratio (13.3x) is in line with the US Mortgage industry average.
PE vs Market: AX is good value based on its PE Ratio (13.3x) compared to the US market (20.2x).
Price to Earnings Growth Ratio
PEG Ratio: AX is poor value based on its PEG Ratio (1.9x)
Price to Book Ratio
PB vs Industry: AX is overvalued based on its PB Ratio (2x) compared to the US Mortgage industry average (1.1x).
How is Axos Financial forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AX's forecast earnings growth (6.9% per year) is above the savings rate (2%).
Earnings vs Market: AX's earnings (6.9% per year) are forecast to grow slower than the US market (15.1% per year).
High Growth Earnings: AX's earnings are forecast to grow, but not significantly.
Revenue vs Market: AX's revenue (9.4% per year) is forecast to grow faster than the US market (9.1% per year).
High Growth Revenue: AX's revenue (9.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AX's Return on Equity is forecast to be low in 3 years time (13.6%).
How has Axos Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AX has high quality earnings.
Growing Profit Margin: AX's current net profit margins (34.3%) are lower than last year (34.3%).
Past Earnings Growth Analysis
Earnings Trend: AX's earnings have grown by 11.1% per year over the past 5 years.
Accelerating Growth: AX's earnings growth over the past year (15.7%) exceeds its 5-year average (11.1% per year).
Earnings vs Industry: AX earnings growth over the past year (15.7%) underperformed the Mortgage industry 21%.
Return on Equity
High ROE: AX's Return on Equity (15.4%) is considered low.
How is Axos Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: AX's Assets to Equity ratio (11x) is moderate.
Allowance for Bad Loans: AX has a sufficient allowance for bad loans (102%).
Low Risk Liabilities: 86% of AX's liabilities are made up of primarily low risk sources of funding.
Loan Level: AX has an appropriate level of Loans to Assets ratio (81%).
Low Risk Deposits: AX's Loans to Deposits ratio (104%) is appropriate.
Level of Bad Loans: AX has an appropriate level of bad loans (1.1%).
What is Axos Financial current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate AX's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate AX's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if AX's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if AX's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of AX's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Greg Garrabrants (48 yo)
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 as its M...
CEO Compensation Analysis
Compensation vs Market: Greg's total compensation ($USD4.94M) is about average for companies of similar size in the US market ($USD5.37M).
Compensation vs Earnings: Greg's compensation has been consistent with company performance over the past year.
Experienced Management: AX's management team is seasoned and experienced (10.3 years average tenure).
Experienced Board: AX's board of directors are considered experienced (9.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: AX insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Axos Financial, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Axos Financial, Inc.
- Ticker: AX
- Exchange: NYSE
- Founded: 1999
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$2.741b
- Shares outstanding: 59.24m
- Website: https://axosfinancial.com
Number of Employees
- Axos Financial, Inc.
- 9205 West Russell Road
- Suite 400
- Las Vegas
- United States
Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. The company offers deposits products, including consumer and business checking, d...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/09 22:14|
|End of Day Share Price||2021/05/07 00:00|
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.