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AX US​
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AX US​
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Axos Financial, Inc.(AX US)

$91.17-0.120.13%Ext:$88.39-2.783.05%(After Hours · 23:02:53 UTC)
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Axos Financial, Inc.(AX US)

$91.17-0.120.13%Ext:$88.39-2.783.05%(After Hours · 23:02:53 UTC)
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Doc SearchProfileEntity StructureFinancialsChartingShort InterestEmployees

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FinancialsChartingShort InterestEmployees

Axos Financial, Inc. — Company Profile

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.

Sector
Financials
Industry
Banks
Exchange
UN
CEO
Gregory Garrabrants
Headquarters
Las Vegas, NV, US
IPO Date
Mar 16, 2005
Employees
2,191
Website
investors.axosfinancial.com

Key Metrics

Price
$88.93
Market Cap
$5.06B
Revenue (TTM)
$564.23M
Net Income (TTM)
$124.68M
EPS (TTM)
2.20
P/E (TTM)
10.63

Axos Financial, Inc. — Company Profile

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.

Sector
Financials
Industry
Banks
Exchange
UN
CEO
Gregory Garrabrants
Headquarters
Las Vegas, NV, US
IPO Date
Mar 16, 2005
Employees
2,191
Website
investors.axosfinancial.com

Key Metrics

Price
$88.93
Market Cap
$5.06B
Revenue (TTM)
$564.23M
Net Income (TTM)
$124.68M
EPS (TTM)
2.20
P/E (TTM)
10.63
P/B (TTM)
1.65
Dividend Yield
0.00%
ROE (TTM)
4.07%
ROA (TTM)
0.43%
Operating Margin
29.30%
Beta
0.93

Dividends

Last Dividend
$0.00
Last Yield
0.00%

Summary

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.

Website
investors.axosfinancial.com
Location
Las Vegas, NV, US
Phone858 649 2218
Employees2,191
CEOGregory Garrabrants
Sector
Financials
Industry
Banks
IPO DateMar 16, 2005

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Latest Documents

SEC Filings(1.9K)

Expand
  • 8-KSubmission of Matters to a Vote of Security Holders04:04PM
  • Form 4Constantine Thomas M10 Nov
  • Form 144Constantine Thomas M9 Nov
  • SC 13G/AAxos Financial, Inc.5 Nov
  • 8-KNYSE: AXNovember 3, 2026 Axos Financial, Inc. Investor Presentation2 © 2026 Axos Financial, Inc. All Rights Reserved. 2 Safe Harbor This presentation contains forward-looking statements that involve risks and uncertainties, including without limitation statements relating to Axos Financial, Inc.’s (“Axos”) financial prospects and other projections of its performance and asset quality, Axos’ deposit balances and capital ratios, Axos’ ability to continue to grow profitably and increase its business, Axos’ ability to continue to diversify its lending and deposit franchises, the anticipated timing and financial performance of other offerings, initiatives, and acquisitions, expectations of the environment in which Axos operates and projections of future performance. These forward- looking statements are made on the basis of the views and assumptions of management regarding future events and performance as of the date of this presentation. Actual results and the timing of events could differ materially from those expressed or implied in such forward-looking statements as a result of risks and uncertainties, including without limitation Axos’ ability to successfully integrate acquisitions and realize the anticipated benefits of the transactions, changes in the interest rate environment, monetary policy, inflation, tariffs, government regulation, general economic conditions, changes in the competitive marketplace, conditions in the real estate markets in which we operate, risks associated with credit quality, our ability to attract and retain deposits and access other sources of liquidity, and the outcome and effects of litigation and other factors beyond our control. These and other risks and uncertainties detailed in Axos’ periodic reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the fiscal year ended June 30, 2026, Form 10-Q for the quarter ended September 30, 2026 and its last earnings press release, could cause actual results to differ materially from those expressed or implied in any forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this presentation. Axos undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. All written and oral forward-looking statements made in connection with this presentation, which are attributable to us or persons acting on Axos’ behalf, are expressly qualified in their entirety by the foregoing information.3 © 2026 Axos Financial, Inc. All Rights Reserved. 3 › Diverse mix of assets, deposits, and fee income reduces risk and provides multiple growth opportunities in varying environments › Asset-based lending at low loan-to-values has resulted in low historical credit losses › Differentiated retail digital strategy from “online savings banks” or fin-tech competitors › Structural cost advantage vs. traditional banks › New business initiatives generate incremental loan, deposit and fee income growth › Direct-to-consumer and securities clearing and custody businesses provide differentiated sources of growth › Technology synergies among divisions reduce overall client acquisition and servicing costs Investment Thesis Axos Financial’s Three Divisions Provide the Foundation for Sustained Long-term Growth Consumer Banking Commercial Banking Securities4 © 2026 Axos Financial, Inc. All Rights Reserved. 4 SecuritiesCommercial BankingConsumer Banking › Margin Lending › Securities Lending › SBLOCs › Asset-Based Lending › C&I Lending › Commercial Real Estate Specialty Lending › Equipment Finance › Fund Finance › Lender Finance › Multifamily › Auto Lending › Single-Family Mortgages › Personal Unsecured Lending › Cash Sweeps › Money Market › Cash and Treasury Management › HOA › Axos Fiduciary Services › Business Management › Payment Processing › Checking › Savings › Money Market › CDs › Bundled Products › IRAs Deposits › Clearing Fees › Custody Fees › Mutual Fund/ETF Fees › Commissions › Investment Management Fees › Banking Fees › FX › Prepayment Fees › Operating Lease Income › Unused Line of Credit Fees › Referral Fees › Mortgage BankingFee Income › Axos Professional Workstation (APW) › ACE (Cash and TM) › Zenith (Business Management) › Unity (Fiduciary Services) › Universal Digital BankTechnology Diversified Sources of Lending, Deposits and Fee Income5 © 2026 Axos Financial, Inc. All Rights Reserved. 5 PercentilePeer Group1Axos Bank 95%0.91%2.18%ROAA 95%8.26%22.41%Return on Equity 35%2.41%2.20%NIE/Avg Assets 94%3.04%4.47%Net Interest Income 7%67.38%43.11%Efficiency Ratio Source: Uniform Bank Performance Report (UBPR) as of June 30, 2026 data retrieved September 30, 2026. Note 1: Peer group is all savings banks with assets greater than $1 billion for quarter ended June 30, 2026 Axos is a Top Performer Versus Bank Peer Group A 95th-percentile ROE means that the Bank outperformed 95% of peer banks. A 7th-percentile efficiency ratio means only 7% of peer banks have lower expenses relative to revenues.6 © 2026 Axos Financial, Inc. All Rights Reserved. 6 Consolidated Return on Equity = 15.66% Consolidated Return on Assets = 1.72% Consolidated Fiscal First Quarter 2027 Highlights Compared with Fiscal First Quarter 2026 12% 14% 15% 16% Asset Growth Deposit Growth Net Income Diluted EPS $ Millions $ Millions $ Millions $ Diluted EPS Q1 2027 129.6 2.257 © 2026 Axos Financial, Inc. All Rights Reserved. 7 Diluted EPS and Book Value Per Share Have Been Consistently Strong 18.8% CAGR Diluted EPS (FY) Book Value Per Share (FY) $ Per Share $ Per Share Note 1: The year ended June 30, 2024, included a one-time pre-tax gain of approximately $92.4 million, or $1.11 per diluted common share, related to the FDIC Loan Purchase 1 19.0% CAGR8 © 2026 Axos Financial, Inc. All Rights Reserved. 8 Resilient Net Interest Margin Through a Variety of Interest Rate Cycles 0.26%9 © 2026 Axos Financial, Inc. All Rights Reserved. 9 Loan Growth by Category $ Millions SF Warehouse Lending Multifamily Small Balance Commercial Jumbo Mortgage Asset-Based and Cash Flow Lending Lender Finance Non-RE Capital Call Facilities Auto Unsecured/Overdraft Single Family Mortgage & Warehouse Multifamily & Commercial Mortgage Commercial Real Estate Commercial & Industrial Non-RE Loans Inc (Dec)Q4 FY26Q1 FY27 $ (45)$ 3,789$ 3,744 (90)793703 (58)1,4541,396 (53)1,030977 6027,2717,873 1881,5971,785 (174)1,9851,811 1283,0113,139 561,7501,806 (345)2,7502,405 43578621 118899 $ 263$ 26,096$ 26,359 Lender Finance RE CRE Specialty Auto & Consumer Equipment Lending and Leasing10 © 2026 Axos Financial, Inc. All Rights Reserved. 10 Holistic Credit Risk Management What We Do Loan Life Cycle Utilize a holistic credit-risk management framework to manage and monitor credit quality at each stage of the loan life cycle, and leverage specialized credit tools to optimize monitoring and reporting capabilities Set Appetite Originations Portfolio Management Reporting Special Assets Credit Monitoring & Oversight Axos Credit Objectives Example of Credit Tools › Board of Directors › Annual Strategic Plan › Corporate Governance › Policies & Approval Authorities Note: Credit tools list is a sampling and is not purported to be comprehensive. Establish Credit Framework and Culture Safe Growth Monitor Assets Throughout Life Cycle Data-Driven Decision Making Mitigate Problem Loans   11 © 2026 Axos Financial, Inc. All Rights Reserved. 11 Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Reserve (UCL) ($ in millions) ACL + UCL ACL + UCL 27.73.2 (73.9)12 © 2026 Axos Financial, Inc. All Rights Reserved. 12 Commercial Real Estate Specialty1 Detail as of September 30, 2026 61% of total Commercial Real Estate Specialty balance at September 30, 2026 is indirect note structures where Axos has first payment priority; these loans carry a weighted-average LTV of 45%. Below is a breakdown of the stage of the properties underlying the CRES loans: Note 1: Includes Commercial Real Estate Specialty loan portfolio only Weighted Avg. LTVBalance (mm)Loan Type 45 %$ 3,769Construction 513,165Bridge 63859Stabilized 4880Pre-development 50 %$ 7,873Total13 © 2026 Axos Financial, Inc. All Rights Reserved. 13 Diversified Deposit Gathering Approximately 85% of deposits are FDIC-insured or collateralized Deposit balances as of September 30, 2026 Note 1: Excludes approximately $450 million of off-balance sheet deposits › Serves approximately 30% of U.S. Chapter 7 bankruptcy trustees in exclusive relationship › Software allows servicing of SEC receivers and non- chapter 7 cases › Full service digital banking, wealth management, and securities trading › White-label banking › Business banking with a full suite of cash management services › Broker-dealer client cash › Broker-dealer reserve accounts › Full service treasury/cash management › Team enhancements and geographic expansion › Bank and securities cross-sell Fiduciary Services $1.1B Consumer Direct $14.0B Specialty Deposits $3.9B Distribution Partners $0.3B Axos Securities1 $1.0B Small Business Banking $1.3B Commercial & Treasury Management $3.8B Total Deposits: $25.4B › Title and escrow companies › HOA and property management › 1031 exchange firms › Business management and entertainment14 © 2026 Axos Financial, Inc. All Rights Reserved. 14 Five-Year Deposit Growth ($ in billions) 15.2% CAGR15 © 2026 Axos Financial, Inc. All Rights Reserved. 15 Axos Deposits Have National Reach With Customers in Every State Customer Base and Deposit Volume is Well Distributed Throughout the United States16 © 2026 Axos Financial, Inc. All Rights Reserved. 16 Non-Interest Income Growth and Diversification Year Ended June 30, 2020 Three Months Ended September 30, 2026 Total Non-Interest Income = $103.0 million Total Non-Interest Income = $255.3 million1 Note 1: Represents annualized quarterly September 30, 2026 data ($ in millions) ($ in millions)17 © 2026 Axos Financial, Inc. All Rights Reserved. 17 › Leadership team with more than 225 years of combined industry experience. › Proprietary front- and back-end technologies for advisors and broker- dealers. › $48 billion in Clearing Services client assets under custody and/or administration. Three Months Ended September 30, 2026 Three Months Ended June 30, 2020 $ —Custody 4,817,561Clearing Fees & Execution 811,599Cash Sorting 1,455,625Margin Lending 1,588,500Securities Lending 494,424Net Interest Income $ 9,167,709Net Revenues $ 9,369,755Custody 6,366,458Clearing Fees & Execution 13,906,250Cash Sorting 5,053,681Margin Lending 3,941,181Securities Lending 1,683,453Net Interest Income $ 40,320,778Net Revenues Axos Clearing and Custody Highlights18 © 2026 Axos Financial, Inc. All Rights Reserved. 18 Axos Securities Roadmap FuturePresentPast 2027+2023 - 20262018 - 2022 • Learning new skills within the current business vertical (adaptable, siloed) People • Leveraging technology for efficiencies / outsourcing low value tasks (enhanced accuracy, better resource utilization) Processes • Home-grown bi-furcated technology (duplicative, confusing) Technology • Broad growth in competence and knowledge (Collaborative, Aligned, Client-Centric) People • Digital transformation that drives automation and scalability (Data- driven, AI, Machine Learning, Agile) Processes • Entitlement-based single pane of glass tech & open architecture data solution(s) meet clients where they are at (Innovative, Differentiated, Flexible) Technology • Highly skilled in the business segment(s) being served People • Operational inefficiencies (high cost, inflexible) Processes • Closed ecosystem technology and dependent on 3rd party solutions Technology Leverage expertise and technologies in clearing and custody to serve a broader client base19 © 2026 Axos Financial, Inc. All Rights Reserved. 19 Secular Industry Trends Provide Opportunities for Axos › RIAs need to reduce costs and streamline back-office ops › Automation frees up time/resources for client interactions › Axos to provide bundled securities clearing, custody and banking services › Target small & medium-sized RIAs and IBDs that large custodians do not serve well › Axos to provide succession-based and M&A financing to RIAs and IBDs › Nationwide footprint and industry focus are competitive advantages › Axos offers direct-to-consumer self-directed trading and robo-advisory solutions; will offer private label robo-advisory solutions to independent RIAs Fee Compression for Active and Passive Investment Managers Digitization of Wealth Management Aging Advisor Population is Driving Consolidation and Succession Planning Advisors are Leaving Wirehouses to Become Independent Advisors20 © 2026 Axos Financial, Inc. All Rights Reserved. 20 Customer Acquisition Sales Servicing Distribution › Digital Marketing › Affinity and Distribution Partners › Data mining/target feeding direct marketing › Cross-selling › Automated fulfillment › Inbound call center sales › Outbound call center sales › Minimal outside sales › Significant inside sales › Self-service › Digital journey › Direct banker (call center) › Balance sheet › Whole loan sales options › Securitization Data Driven Insight Integrated Customer Experience Digital Marketing Digitally Enabled Operations Next-Gen Technology Core Digital Capabilities Axos’ Business Model is Differentiated From Other Banks21 © 2026 Axos Financial, Inc. All Rights Reserved. 21 Evolving Capabilities of the UDB Platform UDB 1.0 UDB 2.0 White Label UDB Banking: Axos deposit products Borrowing: Axos loan products Investing: Managed Portfolios, Self Directed Trading Planning: Account Aggregation, PFM, Credit Monitoring Personalized Offers + Content Co-branded Wealth Management SSO to Enrollment Portals Universal Enrollment: Single, digital point of sale UDB offers a growing set of products, capabilities and integrations Small Business Banking P ro du ct s + Fe at ur es Se gm en ts En ab le rs22 © 2026 Axos Financial, Inc. All Rights Reserved. 22 Automation/Straight-Through Processing Low-Code Development Artificial Intelligence Offshoring • Axos Professional Workstation (APW) development • Code refresh for AAS’ advisor platform • New feature and platform development for Axos Invest/SDT • QC of various legal documents and contracts • Streamline various credit and portfolio management functions (i.e. appraisal reviews) • Automate additional risk and compliance monitoring tasks • Commercial spreading and manual credit underwriting tasks to ABC/Acuity • Bookkeeping, accounts payable and other accounting functions • Leverage APIs to streamline workflows for clients on the front end in new commercial deposit platform (ACE) • Abstract authentication and entitlements out of core to make it more scalable and customizable Operational Productivity Initiatives23 © 2026 Axos Financial, Inc. All Rights Reserved. 23 Greg Garrabrants, President and CEO Derrick Walsh, EVP and CFO [email protected] www.axosfinancial.com Johnny Lai, SVP Corporate Development and Investor Relations Phone: 858.649.2218 Mobile: 858.245.1442 [email protected] Contact Information3 Nov
  • 10-QQ1ended 30 Sept 202629 Oct
  • 8-KResults of Operations and Financial Condition29 Oct
  • ARSAnnual report to security holders24 Sep
  • DEFA14ADefinitive additional materials24 Sep
  • DEF 14ADefinitive proxy statement24 Sep
  • 8-KCompletion of Acquisition or Disposition of Assets21 Sep
  • Form 4THIELE CANDACE L16 Sep
  • Form 4Walsh Derrick16 Sep
  • Form 4Tolla John Charles16 Sep
  • Form 4Watson Michael James16 Sep
  • Form 4MATSUMOTO RAYMOND D16 Sep
  • Form 4GILL ANN16 Sep
  • Form 4Bar-Adon Eshel16 Sep
  • Form 4Constantine Thomas M16 Sep
  • Form 4Swanson Brian D16 Sep

News

  • LG ELECTRONICS' PRISM AI WINS THREE HONORS AT 2026 AMEC AWARDS11 Nov
  • Axos Financial, Inc $AX Shares Acquired by CenterBook Partners LP9 Nov
  • What Axos Financial (AX) Said on Its Q1 Earnings Call30 Oct
  • Axos Financial, Inc. (AX) Q1 2027 Earnings Call Transcript29 Oct
  • Axos Financial (AX) Q1 Earnings and Revenues Top Estimates29 Oct
  • Compared to Estimates, Axos Financial (AX) Q1 Earnings: A Look at Key Metrics29 Oct
  • Axos Financial, Inc. Reports First Quarter Fiscal Year 2027 Results29 Oct
  • Wall Street Analysts Predict a 30.99% Upside in Axos Financial (AX): Here's What You Should Know21 Oct
  • Are Finance Stocks Lagging Axos Financial (AX) This Year?21 Oct
  • State of Alaska Department of Revenue Sells 9,315 Shares of Axos Financial, Inc $AX20 Oct
  • Axos Financial (NYSE:AX) Stock Keeps Buy Rating at Needham & Company LLC5 Oct
  • Axos Financial, Inc. to Announce First Quarter Fiscal 2027 Results on October 29, 202629 Sep
  • Axos Financial, Inc $AX Shares Newly Purchased by Bank of America Corp DE25 Sep
  • Down 10.7% in 4 Weeks, Here's Why Axos Financial (AX) Looks Ripe for a Turnaround24 Sep
  • LG Display launches 24.5-inch 720Hz Gaming OLED Panel20 Sep
  • Fujitsu evolves Uvance business model for AI transformation16 Sep
  • Axos Financial, Inc. Named to D.A. Davidson's 9th Gold Trophy List2 Sep
  • Axos Financial, Inc (NYSE:AX) Given Consensus Rating of “Moderate Buy” by Analysts31 Aug
  • Axos Financial, Inc. Announces Dual Listing on NYSE Texas25 Aug
  • Bank of America Corp DE Has $18.86 Million Position in Axos Financial, Inc $AX20 Aug

Mentions in Filings

  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·424B3 - PROSPECTUS·Q4 26·23 Oct
  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·424B3 - PROSPECTUS·Q4 26·23 Oct
  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·424B3 - PROSPECTUS·Q4 26·23 Oct
  • … nsactions Committee of Braemar Hotels & Resorts, Inc. (NYSE: BHR), a lodging real estate investment trust. Since 2021, Ms. Carter has also served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a Member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Ms. Carter has a Juris Doctor from Harvar …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·ARS - Annual report to security holders·FY25·23 Oct
  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·DEF 14A - PROXY STATEMENT·Q4 26·23 Oct
  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·PRE 14A - PROXY STATEMENT·Q4 26·13 Oct

Key Stats

Trading

Px/Chg 1D$88.93 / +1.51%
Prev Close$97.95
% of 52Wk H91.26%
Avg Volume404.79K
Beta0.93
Mkt Cap5.06B
FD Mkt Cap5.49B

Float

Shrs Out/Float56.88M / 54.33M
Short Float0.06%
Days to Cover6.01
Stock Repurchased$8.42M

Current Valuation

EV6.71B
EV/EBITDA9.47
EV/Sales3.19
P/B1.65
P/S2.41
FCF Yield1.38%
ROE4.07%
ROA0.43%
Current Ratio0.09

Estimates

P/E10.63
Est P/E0.00
Est EPS2.13
Est PEG0.00

Valuation

Metric5Yr AvgOct '22Oct '23Oct '24Oct '25Oct '26
PRICE-BASED RATIOS
Price / Earnings21.029.037.088.4740.1440.36
Price / Sales4.992.871.722.169.278.92
Price / Book Value1.481.321.131.661.661.64
Price / Free Cash Flow27.5811.1413.0714.1527.4972.03
ENTERPRISE VALUE METRICS
Enterprise Value2,748.01,534.6394.52,248.52,880.96,681.7
Enterprise Value / Sales4.292.020.311.276.0111.84
Enterprise Value / EBITDA12.344.210.873.3917.6235.62
Enterprise Value / EBIT13.584.510.913.5418.4940.42

Financials

Full Financials
Millions USD5Yr CAGR (%)Jun '21Jun '22Jun '23Jun '24Jun '25
INCOME STATEMENT
Revenue28.3%712.0757.91,264.21,767.61,929.5
Gross Income18.1%609.1681.6865.91,040.91,186.0
EBITDA17.6%336.2364.6455.1662.6642.4
EBIT19%305.7340.0431.7635.5613.4
Net Income19%215.7240.7307.2450.0432.9
EPS (Diluted)20.2%3.563.975.077.667.43
BALANCE SHEET
Cash & ST Inv22%903.01,465.12,466.12,121.11,999.9
Total Assets14.8%14,265.617,455.620,348.522,855.324,783.1
Total Liabilities14.5%12,864.615,812.618,431.320,564.722,102.4
Total Shareholder Equity17.6%1,400.91,643.01,917.22,290.62,680.7
CASH FLOW
Net Operating Cash Flow4.4%412.6216.6196.7305.5490.3
Cap Ex51%-10.4-21.5-30.2-36.0-54.2
Free Cash Flow2%402.1195.1166.5269.5436.1

Enterprise Value Bridge

Millions USD13 Nov '26
Price (As of 13 Nov '26)91.11
Basic Shares56.88
Market Cap5,182.8
Diluted Shares57.77
Fully Diluted Shares Outstanding57.77
Fully Diluted Market Cap5,263.8
+Consolidated Debt2,817.5
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-1,168.1
−Short-term Investments-401.3
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value6,832.1

Segment data

Revenue

by Products and services

  • Advisory Fee Income52%
  • Broker Dealer Clearing Fees35%
  • Deposit Service Fees12%

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P/B (TTM)
1.65
Dividend Yield
0.00%
ROE (TTM)
4.07%
ROA (TTM)
0.43%
Operating Margin
29.30%
Beta
0.93

Dividends

Last Dividend
$0.00
Last Yield
0.00%

Summary

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.

Website
investors.axosfinancial.com
Location
Las Vegas, NV, US
Phone858 649 2218
Employees2,191
CEOGregory Garrabrants
Sector
Financials
Industry
Banks
IPO DateMar 16, 2005

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Latest Documents

SEC Filings(1.9K)

Expand
  • 8-KSubmission of Matters to a Vote of Security Holders04:04PM
  • Form 4Constantine Thomas M10 Nov
  • Form 144Constantine Thomas M9 Nov
  • SC 13G/AAxos Financial, Inc.5 Nov
  • 8-KNYSE: AXNovember 3, 2026 Axos Financial, Inc. Investor Presentation2 © 2026 Axos Financial, Inc. All Rights Reserved. 2 Safe Harbor This presentation contains forward-looking statements that involve risks and uncertainties, including without limitation statements relating to Axos Financial, Inc.’s (“Axos”) financial prospects and other projections of its performance and asset quality, Axos’ deposit balances and capital ratios, Axos’ ability to continue to grow profitably and increase its business, Axos’ ability to continue to diversify its lending and deposit franchises, the anticipated timing and financial performance of other offerings, initiatives, and acquisitions, expectations of the environment in which Axos operates and projections of future performance. These forward- looking statements are made on the basis of the views and assumptions of management regarding future events and performance as of the date of this presentation. Actual results and the timing of events could differ materially from those expressed or implied in such forward-looking statements as a result of risks and uncertainties, including without limitation Axos’ ability to successfully integrate acquisitions and realize the anticipated benefits of the transactions, changes in the interest rate environment, monetary policy, inflation, tariffs, government regulation, general economic conditions, changes in the competitive marketplace, conditions in the real estate markets in which we operate, risks associated with credit quality, our ability to attract and retain deposits and access other sources of liquidity, and the outcome and effects of litigation and other factors beyond our control. These and other risks and uncertainties detailed in Axos’ periodic reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the fiscal year ended June 30, 2026, Form 10-Q for the quarter ended September 30, 2026 and its last earnings press release, could cause actual results to differ materially from those expressed or implied in any forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this presentation. Axos undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. All written and oral forward-looking statements made in connection with this presentation, which are attributable to us or persons acting on Axos’ behalf, are expressly qualified in their entirety by the foregoing information.3 © 2026 Axos Financial, Inc. All Rights Reserved. 3 › Diverse mix of assets, deposits, and fee income reduces risk and provides multiple growth opportunities in varying environments › Asset-based lending at low loan-to-values has resulted in low historical credit losses › Differentiated retail digital strategy from “online savings banks” or fin-tech competitors › Structural cost advantage vs. traditional banks › New business initiatives generate incremental loan, deposit and fee income growth › Direct-to-consumer and securities clearing and custody businesses provide differentiated sources of growth › Technology synergies among divisions reduce overall client acquisition and servicing costs Investment Thesis Axos Financial’s Three Divisions Provide the Foundation for Sustained Long-term Growth Consumer Banking Commercial Banking Securities4 © 2026 Axos Financial, Inc. All Rights Reserved. 4 SecuritiesCommercial BankingConsumer Banking › Margin Lending › Securities Lending › SBLOCs › Asset-Based Lending › C&I Lending › Commercial Real Estate Specialty Lending › Equipment Finance › Fund Finance › Lender Finance › Multifamily › Auto Lending › Single-Family Mortgages › Personal Unsecured Lending › Cash Sweeps › Money Market › Cash and Treasury Management › HOA › Axos Fiduciary Services › Business Management › Payment Processing › Checking › Savings › Money Market › CDs › Bundled Products › IRAs Deposits › Clearing Fees › Custody Fees › Mutual Fund/ETF Fees › Commissions › Investment Management Fees › Banking Fees › FX › Prepayment Fees › Operating Lease Income › Unused Line of Credit Fees › Referral Fees › Mortgage BankingFee Income › Axos Professional Workstation (APW) › ACE (Cash and TM) › Zenith (Business Management) › Unity (Fiduciary Services) › Universal Digital BankTechnology Diversified Sources of Lending, Deposits and Fee Income5 © 2026 Axos Financial, Inc. All Rights Reserved. 5 PercentilePeer Group1Axos Bank 95%0.91%2.18%ROAA 95%8.26%22.41%Return on Equity 35%2.41%2.20%NIE/Avg Assets 94%3.04%4.47%Net Interest Income 7%67.38%43.11%Efficiency Ratio Source: Uniform Bank Performance Report (UBPR) as of June 30, 2026 data retrieved September 30, 2026. Note 1: Peer group is all savings banks with assets greater than $1 billion for quarter ended June 30, 2026 Axos is a Top Performer Versus Bank Peer Group A 95th-percentile ROE means that the Bank outperformed 95% of peer banks. A 7th-percentile efficiency ratio means only 7% of peer banks have lower expenses relative to revenues.6 © 2026 Axos Financial, Inc. All Rights Reserved. 6 Consolidated Return on Equity = 15.66% Consolidated Return on Assets = 1.72% Consolidated Fiscal First Quarter 2027 Highlights Compared with Fiscal First Quarter 2026 12% 14% 15% 16% Asset Growth Deposit Growth Net Income Diluted EPS $ Millions $ Millions $ Millions $ Diluted EPS Q1 2027 129.6 2.257 © 2026 Axos Financial, Inc. All Rights Reserved. 7 Diluted EPS and Book Value Per Share Have Been Consistently Strong 18.8% CAGR Diluted EPS (FY) Book Value Per Share (FY) $ Per Share $ Per Share Note 1: The year ended June 30, 2024, included a one-time pre-tax gain of approximately $92.4 million, or $1.11 per diluted common share, related to the FDIC Loan Purchase 1 19.0% CAGR8 © 2026 Axos Financial, Inc. All Rights Reserved. 8 Resilient Net Interest Margin Through a Variety of Interest Rate Cycles 0.26%9 © 2026 Axos Financial, Inc. All Rights Reserved. 9 Loan Growth by Category $ Millions SF Warehouse Lending Multifamily Small Balance Commercial Jumbo Mortgage Asset-Based and Cash Flow Lending Lender Finance Non-RE Capital Call Facilities Auto Unsecured/Overdraft Single Family Mortgage & Warehouse Multifamily & Commercial Mortgage Commercial Real Estate Commercial & Industrial Non-RE Loans Inc (Dec)Q4 FY26Q1 FY27 $ (45)$ 3,789$ 3,744 (90)793703 (58)1,4541,396 (53)1,030977 6027,2717,873 1881,5971,785 (174)1,9851,811 1283,0113,139 561,7501,806 (345)2,7502,405 43578621 118899 $ 263$ 26,096$ 26,359 Lender Finance RE CRE Specialty Auto & Consumer Equipment Lending and Leasing10 © 2026 Axos Financial, Inc. All Rights Reserved. 10 Holistic Credit Risk Management What We Do Loan Life Cycle Utilize a holistic credit-risk management framework to manage and monitor credit quality at each stage of the loan life cycle, and leverage specialized credit tools to optimize monitoring and reporting capabilities Set Appetite Originations Portfolio Management Reporting Special Assets Credit Monitoring & Oversight Axos Credit Objectives Example of Credit Tools › Board of Directors › Annual Strategic Plan › Corporate Governance › Policies & Approval Authorities Note: Credit tools list is a sampling and is not purported to be comprehensive. Establish Credit Framework and Culture Safe Growth Monitor Assets Throughout Life Cycle Data-Driven Decision Making Mitigate Problem Loans   11 © 2026 Axos Financial, Inc. All Rights Reserved. 11 Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Reserve (UCL) ($ in millions) ACL + UCL ACL + UCL 27.73.2 (73.9)12 © 2026 Axos Financial, Inc. All Rights Reserved. 12 Commercial Real Estate Specialty1 Detail as of September 30, 2026 61% of total Commercial Real Estate Specialty balance at September 30, 2026 is indirect note structures where Axos has first payment priority; these loans carry a weighted-average LTV of 45%. Below is a breakdown of the stage of the properties underlying the CRES loans: Note 1: Includes Commercial Real Estate Specialty loan portfolio only Weighted Avg. LTVBalance (mm)Loan Type 45 %$ 3,769Construction 513,165Bridge 63859Stabilized 4880Pre-development 50 %$ 7,873Total13 © 2026 Axos Financial, Inc. All Rights Reserved. 13 Diversified Deposit Gathering Approximately 85% of deposits are FDIC-insured or collateralized Deposit balances as of September 30, 2026 Note 1: Excludes approximately $450 million of off-balance sheet deposits › Serves approximately 30% of U.S. Chapter 7 bankruptcy trustees in exclusive relationship › Software allows servicing of SEC receivers and non- chapter 7 cases › Full service digital banking, wealth management, and securities trading › White-label banking › Business banking with a full suite of cash management services › Broker-dealer client cash › Broker-dealer reserve accounts › Full service treasury/cash management › Team enhancements and geographic expansion › Bank and securities cross-sell Fiduciary Services $1.1B Consumer Direct $14.0B Specialty Deposits $3.9B Distribution Partners $0.3B Axos Securities1 $1.0B Small Business Banking $1.3B Commercial & Treasury Management $3.8B Total Deposits: $25.4B › Title and escrow companies › HOA and property management › 1031 exchange firms › Business management and entertainment14 © 2026 Axos Financial, Inc. All Rights Reserved. 14 Five-Year Deposit Growth ($ in billions) 15.2% CAGR15 © 2026 Axos Financial, Inc. All Rights Reserved. 15 Axos Deposits Have National Reach With Customers in Every State Customer Base and Deposit Volume is Well Distributed Throughout the United States16 © 2026 Axos Financial, Inc. All Rights Reserved. 16 Non-Interest Income Growth and Diversification Year Ended June 30, 2020 Three Months Ended September 30, 2026 Total Non-Interest Income = $103.0 million Total Non-Interest Income = $255.3 million1 Note 1: Represents annualized quarterly September 30, 2026 data ($ in millions) ($ in millions)17 © 2026 Axos Financial, Inc. All Rights Reserved. 17 › Leadership team with more than 225 years of combined industry experience. › Proprietary front- and back-end technologies for advisors and broker- dealers. › $48 billion in Clearing Services client assets under custody and/or administration. Three Months Ended September 30, 2026 Three Months Ended June 30, 2020 $ —Custody 4,817,561Clearing Fees & Execution 811,599Cash Sorting 1,455,625Margin Lending 1,588,500Securities Lending 494,424Net Interest Income $ 9,167,709Net Revenues $ 9,369,755Custody 6,366,458Clearing Fees & Execution 13,906,250Cash Sorting 5,053,681Margin Lending 3,941,181Securities Lending 1,683,453Net Interest Income $ 40,320,778Net Revenues Axos Clearing and Custody Highlights18 © 2026 Axos Financial, Inc. All Rights Reserved. 18 Axos Securities Roadmap FuturePresentPast 2027+2023 - 20262018 - 2022 • Learning new skills within the current business vertical (adaptable, siloed) People • Leveraging technology for efficiencies / outsourcing low value tasks (enhanced accuracy, better resource utilization) Processes • Home-grown bi-furcated technology (duplicative, confusing) Technology • Broad growth in competence and knowledge (Collaborative, Aligned, Client-Centric) People • Digital transformation that drives automation and scalability (Data- driven, AI, Machine Learning, Agile) Processes • Entitlement-based single pane of glass tech & open architecture data solution(s) meet clients where they are at (Innovative, Differentiated, Flexible) Technology • Highly skilled in the business segment(s) being served People • Operational inefficiencies (high cost, inflexible) Processes • Closed ecosystem technology and dependent on 3rd party solutions Technology Leverage expertise and technologies in clearing and custody to serve a broader client base19 © 2026 Axos Financial, Inc. All Rights Reserved. 19 Secular Industry Trends Provide Opportunities for Axos › RIAs need to reduce costs and streamline back-office ops › Automation frees up time/resources for client interactions › Axos to provide bundled securities clearing, custody and banking services › Target small & medium-sized RIAs and IBDs that large custodians do not serve well › Axos to provide succession-based and M&A financing to RIAs and IBDs › Nationwide footprint and industry focus are competitive advantages › Axos offers direct-to-consumer self-directed trading and robo-advisory solutions; will offer private label robo-advisory solutions to independent RIAs Fee Compression for Active and Passive Investment Managers Digitization of Wealth Management Aging Advisor Population is Driving Consolidation and Succession Planning Advisors are Leaving Wirehouses to Become Independent Advisors20 © 2026 Axos Financial, Inc. All Rights Reserved. 20 Customer Acquisition Sales Servicing Distribution › Digital Marketing › Affinity and Distribution Partners › Data mining/target feeding direct marketing › Cross-selling › Automated fulfillment › Inbound call center sales › Outbound call center sales › Minimal outside sales › Significant inside sales › Self-service › Digital journey › Direct banker (call center) › Balance sheet › Whole loan sales options › Securitization Data Driven Insight Integrated Customer Experience Digital Marketing Digitally Enabled Operations Next-Gen Technology Core Digital Capabilities Axos’ Business Model is Differentiated From Other Banks21 © 2026 Axos Financial, Inc. All Rights Reserved. 21 Evolving Capabilities of the UDB Platform UDB 1.0 UDB 2.0 White Label UDB Banking: Axos deposit products Borrowing: Axos loan products Investing: Managed Portfolios, Self Directed Trading Planning: Account Aggregation, PFM, Credit Monitoring Personalized Offers + Content Co-branded Wealth Management SSO to Enrollment Portals Universal Enrollment: Single, digital point of sale UDB offers a growing set of products, capabilities and integrations Small Business Banking P ro du ct s + Fe at ur es Se gm en ts En ab le rs22 © 2026 Axos Financial, Inc. All Rights Reserved. 22 Automation/Straight-Through Processing Low-Code Development Artificial Intelligence Offshoring • Axos Professional Workstation (APW) development • Code refresh for AAS’ advisor platform • New feature and platform development for Axos Invest/SDT • QC of various legal documents and contracts • Streamline various credit and portfolio management functions (i.e. appraisal reviews) • Automate additional risk and compliance monitoring tasks • Commercial spreading and manual credit underwriting tasks to ABC/Acuity • Bookkeeping, accounts payable and other accounting functions • Leverage APIs to streamline workflows for clients on the front end in new commercial deposit platform (ACE) • Abstract authentication and entitlements out of core to make it more scalable and customizable Operational Productivity Initiatives23 © 2026 Axos Financial, Inc. All Rights Reserved. 23 Greg Garrabrants, President and CEO Derrick Walsh, EVP and CFO [email protected] www.axosfinancial.com Johnny Lai, SVP Corporate Development and Investor Relations Phone: 858.649.2218 Mobile: 858.245.1442 [email protected] Contact Information3 Nov
  • 10-QQ1ended 30 Sept 202629 Oct
  • 8-KResults of Operations and Financial Condition29 Oct
  • ARSAnnual report to security holders24 Sep
  • DEFA14ADefinitive additional materials24 Sep
  • DEF 14ADefinitive proxy statement24 Sep
  • 8-KCompletion of Acquisition or Disposition of Assets21 Sep
  • Form 4THIELE CANDACE L16 Sep
  • Form 4Walsh Derrick16 Sep
  • Form 4Tolla John Charles16 Sep
  • Form 4Watson Michael James16 Sep
  • Form 4MATSUMOTO RAYMOND D16 Sep
  • Form 4GILL ANN16 Sep
  • Form 4Bar-Adon Eshel16 Sep
  • Form 4Constantine Thomas M16 Sep
  • Form 4Swanson Brian D16 Sep

News

  • LG ELECTRONICS' PRISM AI WINS THREE HONORS AT 2026 AMEC AWARDS11 Nov
  • Axos Financial, Inc $AX Shares Acquired by CenterBook Partners LP9 Nov
  • What Axos Financial (AX) Said on Its Q1 Earnings Call30 Oct
  • Axos Financial, Inc. (AX) Q1 2027 Earnings Call Transcript29 Oct
  • Axos Financial (AX) Q1 Earnings and Revenues Top Estimates29 Oct
  • Compared to Estimates, Axos Financial (AX) Q1 Earnings: A Look at Key Metrics29 Oct
  • Axos Financial, Inc. Reports First Quarter Fiscal Year 2027 Results29 Oct
  • Wall Street Analysts Predict a 30.99% Upside in Axos Financial (AX): Here's What You Should Know21 Oct
  • Are Finance Stocks Lagging Axos Financial (AX) This Year?21 Oct
  • State of Alaska Department of Revenue Sells 9,315 Shares of Axos Financial, Inc $AX20 Oct
  • Axos Financial (NYSE:AX) Stock Keeps Buy Rating at Needham & Company LLC5 Oct
  • Axos Financial, Inc. to Announce First Quarter Fiscal 2027 Results on October 29, 202629 Sep
  • Axos Financial, Inc $AX Shares Newly Purchased by Bank of America Corp DE25 Sep
  • Down 10.7% in 4 Weeks, Here's Why Axos Financial (AX) Looks Ripe for a Turnaround24 Sep
  • LG Display launches 24.5-inch 720Hz Gaming OLED Panel20 Sep
  • Fujitsu evolves Uvance business model for AI transformation16 Sep
  • Axos Financial, Inc. Named to D.A. Davidson's 9th Gold Trophy List2 Sep
  • Axos Financial, Inc (NYSE:AX) Given Consensus Rating of “Moderate Buy” by Analysts31 Aug
  • Axos Financial, Inc. Announces Dual Listing on NYSE Texas25 Aug
  • Bank of America Corp DE Has $18.86 Million Position in Axos Financial, Inc $AX20 Aug

Mentions in Filings

  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·424B3 - PROSPECTUS·Q4 26·23 Oct
  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·424B3 - PROSPECTUS·Q4 26·23 Oct
  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·424B3 - PROSPECTUS·Q4 26·23 Oct
  • … nsactions Committee of Braemar Hotels & Resorts, Inc. (NYSE: BHR), a lodging real estate investment trust. Since 2021, Ms. Carter has also served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a Member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Ms. Carter has a Juris Doctor from Harvar …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·ARS - Annual report to security holders·FY25·23 Oct
  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·DEF 14A - PROXY STATEMENT·Q4 26·23 Oct
  • … s employed as an associate in various law firms, including Vinson & Elkins, and served as a criminal prosecutor. Since 2021, Ms. Carter has served as an Independent Director of Axos Bank and of its holding company <strong>Axos Financial, Inc.</strong> (NYSE: AX), for which she is currently a member of the Compensation and the Asset and Liability Committees and Chair of the Nominating and Corporate Governance Committee. Previously, Ms. Carter served for more than …
    Wheeler Real Estate Investment Trust, Inc.Axos Financial, Inc.·PRE 14A - PROXY STATEMENT·Q4 26·13 Oct

Key Stats

Trading

Px/Chg 1D$88.93 / +1.51%
Prev Close$97.95
% of 52Wk H91.26%
Avg Volume404.79K
Beta0.93
Mkt Cap5.06B
FD Mkt Cap5.49B

Float

Shrs Out/Float56.88M / 54.33M
Short Float0.06%
Days to Cover6.01
Stock Repurchased$8.42M

Current Valuation

EV6.71B
EV/EBITDA9.47
EV/Sales3.19
P/B1.65
P/S2.41
FCF Yield1.38%
ROE4.07%
ROA0.43%
Current Ratio0.09

Estimates

P/E10.63
Est P/E0.00
Est EPS2.13
Est PEG0.00

Valuation

Metric5Yr AvgOct '22Oct '23Oct '24Oct '25Oct '26
PRICE-BASED RATIOS
Price / Earnings21.029.037.088.4740.1440.36
Price / Sales4.992.871.722.169.278.92
Price / Book Value1.481.321.131.661.661.64
Price / Free Cash Flow27.5811.1413.0714.1527.4972.03
ENTERPRISE VALUE METRICS
Enterprise Value2,748.01,534.6394.52,248.52,880.96,681.7
Enterprise Value / Sales4.292.020.311.276.0111.84
Enterprise Value / EBITDA12.344.210.873.3917.6235.62
Enterprise Value / EBIT13.584.510.913.5418.4940.42

Financials

Full Financials
Millions USD5Yr CAGR (%)Jun '21Jun '22Jun '23Jun '24Jun '25
INCOME STATEMENT
Revenue28.3%712.0757.91,264.21,767.61,929.5
Gross Income18.1%609.1681.6865.91,040.91,186.0
EBITDA17.6%336.2364.6455.1662.6642.4
EBIT19%305.7340.0431.7635.5613.4
Net Income19%215.7240.7307.2450.0432.9
EPS (Diluted)20.2%3.563.975.077.667.43
BALANCE SHEET
Cash & ST Inv22%903.01,465.12,466.12,121.11,999.9
Total Assets14.8%14,265.617,455.620,348.522,855.324,783.1
Total Liabilities14.5%12,864.615,812.618,431.320,564.722,102.4
Total Shareholder Equity17.6%1,400.91,643.01,917.22,290.62,680.7
CASH FLOW
Net Operating Cash Flow4.4%412.6216.6196.7305.5490.3
Cap Ex51%-10.4-21.5-30.2-36.0-54.2
Free Cash Flow2%402.1195.1166.5269.5436.1

Enterprise Value Bridge

Millions USD13 Nov '26
Price (As of 13 Nov '26)91.11
Basic Shares56.88
Market Cap5,182.8
Diluted Shares57.77
Fully Diluted Shares Outstanding57.77
Fully Diluted Market Cap5,263.8
+Consolidated Debt2,817.5
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-1,168.1
−Short-term Investments-401.3
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value6,832.1

Segment data

Revenue

by Products and services

  • Advisory Fee Income52%
  • Broker Dealer Clearing Fees35%
  • Deposit Service Fees12%

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