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AXOS FINANCIAL INC

AXNYSE
πŸ† #1202 by market capEarnings Oct 28US Equity
$100.52β–² $0.36 (+0.36%)
Live
1hβ–² 0.0%
24hβ–² 0.4%
7dβ–Ό 3.1%
14dβ–² 2.4%
30dβ–² 3.4%
1yβ–² 14.1%
🏦Market Cap
$5.72B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+78.9%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
17.6%
Healthy
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
45
Weak

Trading Snapshot

Day Range
$99.25 – $102.51
52-Week Range
$74.89 – $105.74
Volume
$1.78B
Avg Volume
$2.05B
Shares Outstanding
56.9M
Next Earnings
Oct 17, 2026

Fundamentals Snapshot

Annual Revenue
$2.19B
Last Q Revenue
$569M
P/E Ratio
11.8
P/S Ratio
2.4x
EPS (TTM)
$8.41
Dividend Yield
β€”

Why Investors Own AX

  • βœ“High-growth profile β€” revenue up +50.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 31% gross margin and 29% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$2.19Bβ–² +50.9% YoY
Gross Margin (TTM)
30.9%β–² +3.5% YoY
Operating Income (TTM)
$495Mβ–² +50.9% YoY
Free Cash Flow (TTM)
$629Mβ–² +50.9% YoY

About AXOS FINANCIAL INC

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. The company operates through two primary divisions: its core Banking Business and its Securities Business. For deposits, Axos provides a broad spectrum of options including checking, savings, demand, money market, and time deposit accounts, alongside specialized products such as zero balance and insured cash sweep accounts. Its diverse lending portfolio encompasses various mortgage types, such as single-family, multi-family, and commercial real estate-backed loans. They also extend commercial and industrial loans, comprising non-real estate, asset-backed, term loans, and lines of credit. Consumer lending encompasses automobile loans, fixed-rate unsecured loans, and unique offerings such as structured settlements, Small Business Administration (SBA) loans, and securities-backed financing. Beyond its core banking activities, Axos provides extensive services, including ACH origination, wire transfers, commercial check printing, and tools for business bill payment and account transfers. Digital solutions such as remote and mobile deposit, lockbox services, merchant payment processing, and online payment portals are readily available. Clients benefit from concierge banking, mobile and text message banking, diverse payment services, and access to debit cards, credit cards, and digital wallets. In its Securities Business, Axos facilitates disclosed clearing services and comprehensive back-office support. This encompasses record keeping, trade reporting, accounting, general administrative support, securities and margin lending, reorganization assistance, and the secure custody of securities. The company also offers financing solutions to its brokerage clients. The institution, previously known as BofI Holding, Inc., adopted its current name, Axos Financial, Inc., in September 2018.

🦦

Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
45/100

Analyst Ratings

β“˜
Consensus
Buy
15 analysts
Strong Buy5
Buy8
Hold2
Sell0
Strong Sell0
Ratings as of Aug 2026

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