Symbols / AX Stock $94.81 -4.13% Axos Financial, Inc.

Financial Services • Banks - Regional • United States • NYQ
AX (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Gregory Garrabrants C.F.A., J.D.
Exch · Country NYQ · United States
Market Cap 5.37B
Enterprise Value 5.87B
Income 456.63M
Sales 1.27B
FCF (ttm) —
Book/sh 51.70
Cash/sh 18.17
Employees 1,989
Insider 10d —
IPO Mar 16, 2005
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 12.03
Forward P/E 9.74
PEG 0.95
P/S 4.24
P/B 1.83
P/C —
EV/EBITDA —
EV/Sales 4.64
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 7.88
EPS next Y 9.73
EPS Growth 23.30%
Revenue Growth 21.80%
EPS Gr Q/Q 22.60%
Rev Gr Q/Q —
Earnings (next) 2026-04-30
Earnings (prior) 2026-01-29
ROA 1.76%
ROE 16.75%
ROIC —
Gross Margin 0.00%
Oper. Margin 50.62%
Profit Margin 36.04%
Shs Outstand 56.68M
Shs Float 54.18M
Insider Own 4.44%
Instit Own 84.03%
Short Float 7.31%
Short Ratio 6.62
Short Interest 2.90M
52W High 101.92
vs 52W High -6.98%
52W Low 61.96
vs 52W Low 53.02%
Beta 1.27
Impl. Vol. 51.73%
Rel Volume 0.34
Avg Volume 404.24K
Volume 137.49K
Target (mean) $109.50
Tgt Median $110.00
Tgt Low $100.00
Tgt High $115.00
# Analysts 6
Recom Strong_buy
Prev Close $98.89
Price $94.81
Change -4.13%
About

Axos Financial, Inc., together with its subsidiaries, operates as a consumer and business banking provider in the United States. The company 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. The company also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured, commercial and industrial non-real estate, and auto and consumer loans. In addition, it offers a range of investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, as well as margin loans and securities lending services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$109.50
Mean price target
2. Current target
$94.81
Latest analyst target
3. DCF / Fair value
$118.20
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$94.81
Low
$100.00
High
$115.00
Mean
$109.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-07 up Raymond James Outperform → Strong Buy $100
2026-03-16 reit Needham Buy → Buy $110
2026-02-13 reit Needham Buy → Buy $110
2026-01-30 main Jefferies Buy → Buy $115
2026-01-30 main DA Davidson Buy → Buy $112
2026-01-30 main Needham Buy → Buy $110
2026-01-30 main Keefe, Bruyette & Woods Market Perform → Market Perform $110
2026-01-16 reit Needham Buy → Buy $107
2026-01-06 main Jefferies Buy → Buy $110
2025-12-08 main DA Davidson Buy → Buy $108
2025-10-31 main Needham Buy → Buy $107
2025-09-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $100
2025-09-29 main Needham Buy → Buy $105
2025-09-24 main Jefferies Buy → Buy $105
2025-09-24 main DA Davidson Buy → Buy $106
2025-09-23 reit Raymond James Outperform → Outperform $100
2025-07-31 main DA Davidson Buy → Buy $100
2025-07-31 reit Raymond James Outperform → Outperform $95
2025-07-31 main Keefe, Bruyette & Woods Market Perform → Market Perform $94
2025-07-31 main Needham Buy → Buy $102
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-20 CROW DAVID M Officer — 583 $82.93 $48,348
2026-03-20 GILL ANN Officer — 601 — —
2026-03-20 THIELE CANDACE L Officer — 444 $82.93 $36,821
2026-03-20 WATSON MICHAEL JAMES Officer — 983 — —
2026-03-20 MATSUMOTO RAYMOND D Chief Financial Officer — 1,621 — —
2026-03-20 WALSH DERRICK Chief Financial Officer — 1,360 — —
2026-03-20 BAR-ADON ESHEL Officer — 1,098 $82.93 $91,057
2026-03-20 SWANSON BRIAN D Officer — 4,120 — —
2026-03-20 TOLLA JOHN CHARLES Officer — 4,120 $82.93 $341,672
2026-03-20 CONSTANTINE THOMAS M. Officer — 1,124 $82.93 $93,213
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Revenue
1,241.77
+15.68%
1,073.43
+20.59%
890.18
+26.21%
705.34
Operating Revenue
1,241.77
+15.68%
1,073.43
+20.59%
890.18
+26.21%
705.34
Selling General And Administration
407.90
+17.16%
348.16
+14.03%
305.32
+32.38%
230.65
Selling And Marketing Expense
47.76
+11.60%
42.80
+15.20%
37.15
+173.56%
13.58
General And Administrative Expense
360.14
+17.94%
305.36
+13.87%
268.17
+23.54%
217.07
Salaries And Wages
297.95
+18.77%
250.87
+22.81%
204.27
+22.03%
167.39
Other Gand A
34.63
+2.04%
33.94
-29.83%
48.37
+27.78%
37.85
Reconciled Depreciation
29.02
+7.14%
27.09
+15.82%
23.39
-4.92%
24.60
Total Unusual Items
0.00
-100.00%
92.40
0.00
0.00
Total Unusual Items Excluding Goodwill
0.00
-100.00%
92.40
0.00
0.00
Special Income Charges
0.00
-100.00%
92.40
0.00
0.00
Restructuring And Mergern Acquisition
0.00
+100.00%
-92.40
0.00
0.00
Net Income
432.91
-3.80%
450.01
+46.50%
307.17
+27.60%
240.72
Pretax Income
613.39
-3.48%
635.48
+47.19%
431.74
+27.00%
339.96
Net Interest Income
1,127.77
+17.30%
961.43
+22.77%
783.12
+28.98%
607.16
Interest Expense
687.69
-0.93%
694.18
+85.60%
374.02
+611.46%
52.57
Interest Income
1,815.46
+9.66%
1,655.61
+43.08%
1,157.14
+75.40%
659.73
Gain On Sale Of Security
—
—
—
—
Tax Provision
180.49
-2.69%
185.47
+48.88%
124.58
+25.53%
99.24
Tax Rate For Calcs
0.00
+0.82%
0.00
+1.17%
0.00
-1.16%
0.00
Tax Effect Of Unusual Items
0.00
-100.00%
26.97
0.00
0.00
Net Income Including Noncontrolling Interests
432.91
-3.80%
450.01
+46.50%
307.17
+27.60%
240.72
Net Income From Continuing Operation Net Minority Interest
432.91
-3.80%
450.01
+46.50%
307.17
+27.60%
240.72
Net Income From Continuing And Discontinued Operation
432.91
-3.80%
450.01
+46.50%
307.17
+27.60%
240.72
Net Income Continuous Operations
432.91
-3.80%
450.01
+46.50%
307.17
+27.60%
240.72
Normalized Income
432.91
+12.57%
384.58
+25.20%
307.17
+27.60%
240.72
Net Income Common Stockholders
432.91
-3.80%
450.01
+46.50%
307.17
+27.60%
240.72
Otherunder Preferred Stock Dividend
—
—
—
—
Diluted EPS
7.43
-3.00%
7.66
+51.08%
5.07
+27.71%
3.97
Basic EPS
7.61
-2.69%
7.82
+51.84%
5.15
+27.48%
4.04
Basic Average Shares
56.89
-1.15%
57.55
-3.52%
59.64
+0.10%
59.58
Diluted Average Shares
58.26
-0.82%
58.75
-3.03%
60.58
-0.08%
60.63
Diluted NI Availto Com Stockholders
432.91
-3.80%
450.01
+46.50%
307.17
+27.60%
240.72
Depreciation Amortization Depletion Income Statement
29.02
+7.14%
27.09
+15.82%
23.39
-4.92%
24.60
Depreciation And Amortization In Income Statement
29.02
+7.14%
27.09
+15.82%
23.39
-4.92%
24.60
Insurance And Claims
27.56
+34.13%
20.55
+32.26%
15.53
+31.39%
11.82
Occupancy And Equipment
17.70
+5.99%
16.70
+6.76%
15.65
+13.84%
13.74
Other Non Interest Expense
80.43
+15.95%
69.37
+14.55%
60.56
+20.73%
50.16
Preferred Stock Dividends
—
—
—
—
Professional Expense And Contract Services Expense
37.57
+2.85%
36.53
+24.82%
29.27
+30.18%
22.48
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Assets
24,783.08
+8.43%
22,855.33
+12.32%
20,348.47
+16.94%
17,401.17
Cash And Cash Equivalents
1,933.85
-2.33%
1,979.98
-11.33%
2,233.03
+85.69%
1,202.59
Other Short Term Investments
65.41
-53.55%
140.81
-39.40%
232.35
-11.49%
262.52
Receivables
252.72
+5.29%
240.03
-35.83%
374.07
-10.38%
417.42
Accounts Receivable
234.88
+6.64%
220.24
-28.79%
309.31
+0.03%
309.22
Other Receivables
17.84
-9.81%
19.79
-69.45%
64.77
-40.14%
108.20
Goodwill And Other Intangible Assets
161.72
-5.26%
170.69
-3.88%
177.59
-2.22%
181.62
Goodwill
97.67
+0.00%
97.67
+0.00%
97.67
+2.09%
95.67
Other Intangible Assets
64.05
-12.29%
73.02
-8.63%
79.92
-7.01%
85.94
Investments And Advances
66.06
-53.21%
141.16
-39.44%
233.11
-11.79%
264.28
Total Liabilities Net Minority Interest
22,102.40
+7.48%
20,564.74
+11.58%
18,431.31
+16.96%
15,758.19
Payables And Accrued Expenses
350.61
+16.43%
301.13
-32.40%
445.48
-12.93%
511.65
Payables
350.61
+16.43%
301.13
-32.40%
445.48
-12.93%
511.65
Accounts Payable
350.61
+16.43%
301.13
-32.40%
445.48
-12.93%
511.65
Current Debt And Capital Lease Obligation
0.00
-100.00%
30.00
0.00
-100.00%
27.50
Current Debt
0.00
-100.00%
30.00
0.00
-100.00%
27.50
Other Current Borrowings
0.00
-100.00%
30.00
0.00
-100.00%
27.50
Long Term Debt And Capital Lease Obligation
372.67
-3.37%
385.68
-14.63%
451.78
-15.59%
535.24
Long Term Debt
372.67
-3.37%
385.68
-14.63%
451.78
-15.59%
535.24
Stockholders Equity
2,680.68
+17.03%
2,290.60
+19.48%
1,917.16
+16.69%
1,642.97
Common Stock Equity
2,680.68
+17.03%
2,290.60
+19.48%
1,917.16
+16.69%
1,642.97
Capital Stock
0.71
+1.28%
0.70
+1.01%
0.69
+0.87%
0.69
Common Stock
0.71
+1.28%
0.70
+1.01%
0.69
+0.87%
0.69
Preferred Stock
—
—
—
0.00
Share Issued
71.10
+1.25%
70.22
+1.09%
69.47
+0.88%
68.86
Ordinary Shares Number
56.48
-0.72%
56.89
-3.48%
58.94
-1.40%
59.78
Treasury Shares Number
14.62
+9.69%
13.33
+26.65%
10.52
+15.86%
9.08
Additional Paid In Capital
548.89
+7.58%
510.23
+6.33%
479.88
+5.75%
453.78
Retained Earnings
2,618.53
+19.81%
2,185.62
+25.93%
1,735.61
+21.50%
1,428.44
Gains Losses Not Affecting Retained Earnings
0.35
+114.11%
-2.47
+62.69%
-6.61
-125.37%
-2.93
Treasury Stock
487.80
+20.90%
403.49
+37.99%
292.41
+23.38%
237.01
Total Equity Gross Minority Interest
2,680.68
+17.03%
2,290.60
+19.48%
1,917.16
+16.69%
1,642.97
Total Capitalization
3,053.35
+14.09%
2,676.28
+12.97%
2,368.94
+8.76%
2,178.22
Invested Capital
3,053.35
+12.82%
2,706.28
+14.24%
2,368.94
+7.40%
2,205.72
Total Debt
372.67
-10.35%
415.68
-7.99%
451.78
-19.72%
562.74
Net Tangible Assets
2,518.96
+18.82%
2,119.90
+21.86%
1,739.57
+19.04%
1,461.36
Tangible Book Value
2,518.96
+18.82%
2,119.90
+21.86%
1,739.57
+19.04%
1,461.36
Cash Cash Equivalents And Federal Funds Sold
2,176.35
-0.43%
2,185.78
-8.24%
2,382.09
+51.27%
1,574.70
Line Of Credit
—
—
—
—
Trading Securities
0.65
+83.85%
0.35
-53.43%
0.76
-56.88%
1.76
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Operating Cash Flow
490.33
+60.51%
305.48
+55.30%
196.71
-9.19%
216.62
Cash Flow From Continuing Operating Activities
490.33
+60.51%
305.48
+55.30%
196.71
-9.19%
216.62
Net Income From Continuing Operations
432.91
-3.80%
450.01
+46.50%
307.17
+27.60%
240.72
Depreciation Amortization Depletion
29.02
+7.14%
27.09
+15.82%
23.39
-4.92%
24.60
Depreciation
—
—
23.39
-34.11%
35.49
Amortization Cash Flow
—
—
0.63
+128.46%
-2.23
Depreciation And Amortization
29.02
+7.14%
27.09
+15.82%
23.39
-4.92%
24.60
Amortization Of Intangibles
—
—
0.63
+128.46%
-2.23
Other Non Cash Items
-2.33
+97.16%
-82.12
-731.01%
-9.88
-131.84%
31.04
Stock Based Compensation
41.97
+19.26%
35.19
+34.84%
26.10
+22.87%
21.24
Deferred Tax
-27.96
-184.37%
33.13
+269.17%
-19.59
-108.36%
-9.40
Deferred Income Tax
-27.96
-184.37%
33.13
+269.17%
-19.59
-108.36%
-9.40
Operating Gains Losses
-10.32
-7.42%
-9.61
-20.17%
-8.00
+50.74%
-16.24
Gain Loss On Investment Securities
—
—
—
—
Change In Working Capital
79.38
+164.83%
-122.44
+15.63%
-145.11
-40.86%
-103.02
Change In Receivables
-12.69
-109.47%
134.05
+209.28%
43.34
+198.67%
-43.92
Changes In Account Receivables
-12.69
-109.47%
134.05
+209.28%
43.34
+198.67%
-43.92
Change In Payables And Accrued Expense
80.50
+164.96%
-123.92
-86.22%
-66.54
-708.82%
10.93
Change In Payable
80.50
+164.96%
-123.92
-86.22%
-66.54
-708.82%
10.93
Change In Account Payable
80.50
+164.96%
-123.92
-86.22%
-66.54
-708.82%
10.93
Change In Other Working Capital
—
—
—
—
Change In Other Current Assets
18.51
+116.23%
-114.04
-851.60%
-11.98
+87.46%
-95.54
Investing Cash Flow
-1,841.07
+28.90%
-2,589.28
-7.93%
-2,399.10
+13.80%
-2,783.02
Cash Flow From Continuing Investing Activities
-1,841.07
+28.90%
-2,589.28
-7.93%
-2,399.10
+13.80%
-2,783.02
Net PPE Purchase And Sale
-54.21
-50.75%
-35.96
-19.02%
-30.21
-40.51%
-21.50
Purchase Of PPE
-54.21
-50.75%
-35.96
-19.02%
-30.21
-40.51%
-21.50
Capital Expenditure
-54.21
-50.75%
-35.96
-19.02%
-30.21
-40.51%
-21.50
Net Investment Purchase And Sale
58.64
-30.39%
84.24
+417.26%
16.29
+188.98%
-18.30
Purchase Of Investment
-41.68
-89.33%
-22.01
+47.22%
-41.70
+72.23%
-150.17
Sale Of Investment
100.32
-5.58%
106.25
+83.22%
57.99
-56.02%
131.87
Net Business Purchase And Sale
0.00
0.00
+100.00%
-5.53
+89.87%
-54.60
Purchase Of Business
0.00
0.00
+100.00%
-5.53
+89.87%
-54.60
Net Other Investing Changes
-110.24
-2417.41%
4.76
-31.50%
6.95
-19.75%
8.65
Financing Cash Flow
1,341.31
-35.75%
2,087.49
-30.64%
3,009.78
-3.01%
3,103.32
Cash Flow From Continuing Financing Activities
1,341.31
-35.75%
2,087.49
-30.64%
3,009.78
-3.01%
3,103.32
Net Issuance Payments Of Debt
-43.17
-19.46%
-36.14
+67.68%
-111.80
-944.86%
-10.70
Issuance Of Debt
—
0.00
0.00
-100.00%
225.30
Repayment Of Debt
-43.17
-19.46%
-36.14
+67.68%
-111.80
+52.63%
-236.00
Long Term Debt Issuance
—
0.00
0.00
-100.00%
225.30
Long Term Debt Payments
-43.17
-19.46%
-36.14
+67.68%
-111.80
+52.63%
-236.00
Net Long Term Debt Issuance
-43.17
-19.46%
-36.14
+67.68%
-111.80
-944.86%
-10.70
Net Common Stock Issuance
-58.20
+39.55%
-96.29
-96.65%
-48.96
0.00
Common Stock Payments
-58.20
+39.55%
-96.29
-96.65%
-48.96
0.00
Cash Dividends Paid
—
—
0.00
0.00
Repurchase Of Capital Stock
-58.20
+39.55%
-96.29
-96.65%
-48.96
0.00
Net Other Financing Charges
-27.64
-70.70%
-16.19
-163.54%
-6.14
+62.99%
-16.60
Changes In Cash
-9.42
+95.20%
-196.31
-124.31%
807.39
+50.37%
536.92
Beginning Cash Position
2,185.78
-8.24%
2,382.09
+51.27%
1,574.70
+51.74%
1,037.78
End Cash Position
2,176.35
-0.43%
2,185.78
-8.24%
2,382.09
+51.27%
1,574.70
Free Cash Flow
436.12
+61.82%
269.52
+61.88%
166.49
-14.67%
195.12
Interest Paid Supplemental Data
687.24
-1.68%
698.96
+89.77%
368.31
+632.68%
50.27
Income Tax Paid Supplemental Data
153.69
-23.47%
200.81
+52.86%
131.37
+31.76%
99.70
Amortization Of Securities
—
—
—
-0.42
Dividends Received CFI
0.08
-95.93%
1.99
+590.63%
0.29
+200.00%
0.10
Net Preferred Stock Issuance
—
—
0.00
0.00
Preferred Stock Dividend Paid
—
—
0.00
0.00
Preferred Stock Payments
—
—
0.00
0.00
Sale Of Business
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
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