Axos Financial, Inc.
AX · Price history
Price at last available close
$92.30
+$4.58 (+5.22%) 1M
2026-10-27
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Company & revenue
About Axos Financial, Inc.
Primary reporting period: 2026-06-30 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Axos Financial, Inc. operates as a financial holding company that generates revenue primarily through net interest income, derived from the spread between interest earned on loans and investment securities and interest paid on deposits and borrowings. Additionally, the company earns non-interest income through banking service fees, clearing and custody services provided by its securities subsidiaries, and investment advisory fees.
Products & services
The company provides consumer and business banking products, including checking, savings, and time deposits, alongside various lending solutions such as residential mortgages, commercial real estate, and specialty finance. Through its subsidiaries, it also offers securities clearing, custody, and investment advisory services.
Brands & revenue mix
The primary banking subsidiary providing consumer and business financial services.
Separate brand revenue is not available in this research.Source
Provides clearing and custody services to broker-dealers and registered investment advisors.
Separate brand revenue is not available in this research.Source
Provides investment advisory services to retail investors.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
The company does not have a single customer that accounts for 10% or more of its total consolidated revenues as of the fiscal year ended June 30, 2026.
Suppliers, materials & equipment
- Technology and Software Service Providers — Various third-party vendors providing core banking software, digital platform infrastructure, and cybersecurity services.Source
Competitors
- Online-only Banks — Digital-first banking institutions that compete directly with Axos Bank's low-cost distribution model.Source
Strengths
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt increased 188.1% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
55
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
63
Fair
Financial Strength
37
Business Quality / Moat
89
Management
87
Growth Quality
42
Risk / Durability
63
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
71
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
68/100
Building Historical Record
Model Score 68/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for AX
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can AX maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is AX's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does AX's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is AX's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of AX's score?
Essential Investment Snapshot
Wall Street Score
55
Opportunity Score
71
Market Cap
$5.25B
P/E Ratio
10.0
EPS
$8.66
52-Week High
$105.74
52-Week Low
$74.89
Beta
1.22
Intrinsic Value
$333.41
Analyst Target
$124.50
Shares Outstanding
57.8M
Total Revenue
$2.19B
Total Debt
$1.07B
Dividend
No current dividend
Liquidation Value / Share
$54.75
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for AX
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.9x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on AX.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Low-cost digital distribution model.
- +Diversified revenue streams across banking and securities segments.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate volatility affecting net interest margin.
- −Credit risk associated with loan portfolio performance.
- −Cybersecurity and operational risks related to digital platforms.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
61
Sep 9, 2026
Change
-5.8
points
Current Score
55
Oct 1, 2026
Category Changes
AX decreased 5.8 points because some fundamentals weakened.
Positive Contributors
- + Valuation improved by 2.9 points
Projected Score
Projected Score
56
Projected Change
+1.4 points
Preliminary comparable-period financial changes suggest improvement of approximately 1.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $8.66 · Growth assumption: 11.3% · Earnings multiplier: 31.1×.
Current Price
$92.30
Model Intrinsic Value
$333.41
Difference
−$241.11
-72.3% vs IV
Margin of Safety
72.3%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.19B | $2.19B | $1.93B | $1.77B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $811.1M | $811.1M | $743.4M | $726.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $1.38B | $1.38B | $1.19B | $1.04B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $126.5M | $126.5M | $407.9M | $348.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $732.7M | $732.7M | $572.6M | $405.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $727.3M | $727.3M | $642.4M | $662.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $646.7M | $646.7M | $613.4M | $635.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $710.0M | $710.0M | $687.7M | $694.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $646.7M | $646.7M | $613.4M | $635.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $156.3M | $156.3M | $180.5M | $185.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $490.4M | $490.4M | $432.9M | $450.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $8.66 | $8.66 | $7.61 | $7.82 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 56.73M | 56.66M | 56.86M | 57.51M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 57.74M | 57.84M | 58.24M | 58.73M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$569.5M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$2.16
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+188.1%
Cash Change
-42.7%
Margin Change
-1.1 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Weakened
- Margins contracted
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth. Pressure indicators included cash levels, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 18.8%. EPS increased 12.5%. Cash declined 42.7%. Total debt increased 188.1%. Net income margin declined by 1.1 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · AX
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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