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AX US​

Axos Financial, Inc.(AX US)

$91.79-0.740.80%Ext:$93.41+1.621.76%(Market Closed · 23:56:00 UTC)

Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

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
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
  • ARSAnnual report to security holders24 Sep
  • DEFA14ADefinitive additional materials24 Sep
  • DEF 14ADefinitive proxy statement24 Sep
  • 8-KCompletion of Acquisition or Disposition of Assets21 Sep
  • 4THIELE CANDACE L16 Sep
  • 4Walsh Derrick16 Sep
  • 4Tolla John Charles16 Sep
  • 4Watson Michael James16 Sep
  • 4MATSUMOTO RAYMOND D16 Sep
  • 4GILL ANN16 Sep
  • 4Bar-Adon Eshel16 Sep
  • 4Constantine Thomas M16 Sep
  • 4Swanson Brian D16 Sep
  • 4/ANick Mosich16 Sep
  • 4Garrabrants Gregory4 Sep
  • CERTCERT25 Aug
  • 8-A12BRegistration of securities (Section 12(b))25 Aug
  • 10-KFY 2026ended 30 Jun 202620 Aug
  • 4Santi Roque A7 Aug
  • SC 13GAxos Financial, Inc.7 Aug

News

  • 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
  • Axos Target Rises to $120 on Growth Above Peers13 Aug
  • Hyundai Motor Group Accelerates AI Transformation Across Its Business, Advancing Toward the Physical AI Era12 Aug
  • Arrowstreet Capital Limited Partnership Has $10.46 Million Position in Axos Financial, Inc $AX1 Aug
  • Axos Financial, Inc. (AX) Q4 2026 Earnings Call Transcript30 Jul
  • Compared to Estimates, Axos Financial (AX) Q4 Earnings: A Look at Key Metrics30 Jul
  • Axos Financial (AX) Beats Q4 Earnings and Revenue Estimates30 Jul
  • Axos Financial, Inc. Reports Fiscal Year 2026 Results30 Jul

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/EN/A
Est EPSN/A
Est PEGN/A

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 USD23 Oct '26
Price (As of 23 Oct '26)92.28
Basic Shares56.88
Market Cap5,249.3
Diluted Shares57.77
Fully Diluted Shares Outstanding57.77
Fully Diluted Market Cap5,331.4
+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 Value6,898.7

Segment data

Revenue

by Products and services

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

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