Company Overview
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.
Why Investors Should Care
Generates a return on equity of 16.8%, reflecting efficient use of shareholder capital.
Net profit has compounded at 24.1% per year over the last five years.
Revenue has grown at a 128.0% CAGR over the past five years.
Trades at a P/E of 11.9, below the sector median of 13.3.
Maintains a net profit margin of 36.0%.
Carries low leverage with a debt-to-equity ratio of 0.14.
Recent Developments
- Jun 2025 Revenue of $1.24B (+15.7% YoY); net profit $432.91M.
- Trailing 12 Months Year-on-year growth — revenue +19.3%, earnings +18.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 128.0%, profit CAGR 24.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 128.03% |
| 1 Year: | 19.30% |
Compounded Profit Growth
| 5 Years: | 24.07% |
| 1 Year: | 18.80% |
Stock Price Performance
| 1 Year: | +14.07% |
| 6 Months: | +5.87% |
| 3 Months: | +4.40% |
| 1 Month: | +9.51% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)61.41 · Neutral
P/E of 11.91 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 36.0%.
- Compounding revenue at 128.0% over 5 years.
- Profit CAGR of 24.1% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | AX Axos Financial, Inc. R2K | 97.77 | 11.91 | $5.56B | 0.00% | - | 16.80% | 128.03% | 24.07% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | 1.10M | 3.39M | 1.14M | - | 4.17M | 5.64M | 4.66M | - | 8.21M | 9.68M | 8.35M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 304.66M | 317.16M | 319.19M | 380.81M | 387.72M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 157.26M | 162.25M | 174.69M | 182.14M | 171.98M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 148.08M | 155.80M | 149.89M | 175.51M | 165.30M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 42.87M | 45.12M | 37.54M | 47.12M | 40.62M |
| Net Income | 25.50M | 28.15M | 35.91M | 29.73M | 28.90M | 32.30M | 40.99M | 32.55M | 32.38M | 31.66M | 51.25M | 37.12M | 36.84M | 38.84M | 38.82M | 40.63M | 40.79M | 41.30M | 56.06M | 45.30M | 53.02M | 54.78M | 53.65M | 54.26M | 60.21M | 60.79M | 61.82M | 58.41M | 81.55M | 79.85M | 82.64M | 151.77M | 110.72M | 112.34M | - | 105.21M | 110.67M | 112.35M | 128.40M | 124.68M |
| Diluted EPS | 0.40 | 0.44 | 0.56 | 0.46 | 0.45 | 0.50 | 0.64 | 0.51 | 0.50 | 0.49 | 0.80 | 0.58 | 0.58 | 0.62 | 0.63 | 0.66 | 0.66 | 0.67 | 0.91 | 0.75 | 0.88 | 0.91 | 0.89 | 0.90 | 0.99 | 1.00 | 1.02 | 0.97 | 1.35 | 1.32 | 1.38 | 2.62 | 1.91 | 1.93 | - | 1.81 | 1.92 | 1.94 | 2.22 | 2.15 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Jun 2010 | Jun 2011 | Jun 2012 | Jun 2013 | Jun 2014 | Jun 2015 | Jun 2016 | Jun 2017 | Jun 2018 | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | 8.83M | 27.63M | 26.82M | - | 705.34M | 890.18M | 1.07B | 1.24B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | 52.57M | 374.02M | 694.18M | 687.69M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | 339.96M | 431.74M | 635.48M | 613.39M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | 99.24M | 124.58M | 185.47M | 180.49M |
| Net Income | 21.13M | 20.58M | 29.48M | 40.29M | 55.96M | 82.68M | 119.29M | 134.74M | 152.41M | 155.13M | 183.44M | - | 240.72M | 307.17M | 450.01M | 432.91M |
| Diluted EPS | 2.22 | 1.87 | 2.33 | 2.89 | 0.96 | 1.34 | 1.87 | 2.10 | 2.37 | 2.48 | 2.98 | - | 3.97 | 5.07 | 7.66 | 7.43 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Jun 2009 | Jun 2010 | Jun 2011 | Jun 2012 | Jun 2013 | Jun 2014 | Jun 2015 | Jun 2016 | Jun 2017 | Jun 2018 | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.94B | 2.39B | 3.09B | 4.40B | 5.82B | 7.60B | 8.50B | 9.54B | 11.22B | 13.85B | - | 17.40B | 20.35B | 22.86B | 24.78B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 8.41M | 18.20M | 9.05M | 35.43M | 201.69M | 155.58M | 222.87M | 486.73M | 643.54M | 622.85M | - | - | - | 1.20B | 2.23B | 1.98B | 1.93B |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | 309.22M | 309.31M | 220.24M | 234.88M |
| Total Liabilities | - | - | 1.79B | 2.18B | 2.82B | 4.03B | 5.29B | 6.92B | 7.67B | 8.58B | 10.15B | 12.62B | - | 15.76B | 18.43B | 20.56B | 22.10B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | 54.55M | 168.93M | 235.79M | - | 535.24M | 451.78M | 385.68M | 372.67M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | 562.74M | 451.78M | 415.68M | 372.67M |
| Total Equity | 88.94M | 129.81M | 147.77M | 206.62M | 268.26M | 370.78M | 533.53M | 683.59M | 834.25M | 960.51M | 1.07B | 1.23B | - | 1.64B | 1.92B | 2.29B | 2.68B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | 68.86M | 69.47M | 70.22M | 71.10M |
Cash Flows (Annual)
Figures in USD.
| Metric | Jun 2010 | Jun 2011 | Jun 2012 | Jun 2013 | Jun 2014 | Jun 2015 | Jun 2016 | Jun 2017 | Jun 2018 | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -15.00M | 4.12M | -56.27M | 15.75M | 21.32M | 116.10M | 166.90M | 198.50M | 167.91M | 204.42M | 284.12M | - | 216.62M | 196.71M | 305.48M | 490.33M |
| Investing Cash Flow | -71.92M | -511.19M | -329.95M | -511.57M | -1.32B | -1.37B | -1.54B | -788.73M | -1.03B | -931.74M | -1.35B | - | -2.78B | -2.40B | -2.59B | -1.84B |
| Financing Cash Flow | 96.72M | 497.93M | 412.59M | 662.09M | 1.25B | 1.33B | 1.63B | 747.05M | 837.40M | 961.84M | 2.16B | - | 3.10B | 3.01B | 2.09B | 1.34B |
| Capital Expenditure | - | - | - | - | - | - | - | - | - | - | - | - | -21.50M | -30.21M | -35.96M | -54.21M |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - | - | - | 195.12M | 166.49M | 269.52M | 436.12M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | 536.92M | 807.39M | -196.31M | -9.42M |
| Share Buybacks | - | - | - | - | - | - | 0 | 0 | 35.18M | 56.44M | 38.86M | 16.76M | 0 | 48.96M | 96.29M | 58.20M |
Ratios (Annual)
Figures in %.
| Metric | Jun 2010 | Jun 2011 | Jun 2012 | Jun 2013 | Jun 2014 | Jun 2015 | Jun 2016 | Jun 2017 | Jun 2018 | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | 1,725.5% | 561.5% | 684.0% | - | 34.1% | 34.5% | 41.9% | 34.9% |
| ROE % | 16.3% | 13.9% | 14.3% | 15.0% | 15.1% | 15.5% | 17.5% | 16.2% | 15.9% | 14.5% | 14.9% | - | 14.7% | 16.0% | 19.6% | 16.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 14.63% | 8.32M | $820.27M |
| 2 | Vanguard Portfolio Management LLC | 5.43% | 3.09M | $304.67M |
| 3 | State Street Corporation | 4.95% | 2.82M | $277.66M |
| 4 | American Century Companies Inc | 4.41% | 2.51M | $247.46M |
| 5 | Vanguard Capital Management LLC | 4.31% | 2.45M | $241.91M |
| 6 | FMR, LLC | 4.29% | 2.44M | $240.29M |
| 7 | Dimensional Fund Advisors LP | 3.83% | 2.18M | $214.60M |
| 8 | Geode Capital Management, LLC | 3.44% | 1.96M | $193.05M |
| 9 | Davis Asset Management, L.P. | 2.70% | 1.54M | $151.33M |
| 10 | Wellington Management Group, LLP | 1.47% | 837.85K | $82.59M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for AX
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Axos Included in TIME America’s Best Companies 2026 List
SAN DIEGO, July 09, 2026--Axos Bank, the nationwide bank subsidiary of Axos Financial, Inc. (NYSE: AX), today announced that Axos has been recognized by TIME as one of America’s Best Companies 2026. This prestigious award is presented in co…
Axos to buy Arc Technologies
The deal marks Axos’ fourth purchase announcement in a year.
Axos Financial, Inc. to Acquire Arc Technologies, Inc.
LAS VEGAS, July 07, 2026--Axos Nevada Holding, LLC, a subsidiary of Axos Financial, Inc. ("Axos" or the "Company") announced that it has entered into a definitive agreement to acquire Arc Technologies, Inc. ("Arc"), a financial technology p…
Axos Financial, Inc. to Announce Fourth Quarter Fiscal 2026 Results on July 30, 2026
LAS VEGAS, June 23, 2026--Axos Financial, Inc. (NYSE: AX) ("Axos" or the "Company"), holding company for Axos Bank, Axos Clearing LLC, and Axos Invest, Inc., announced today that it will host a conference call on Thursday, July 30, 2026 at …
Implied Volatility Surging for Axos Financial Stock Options
Investors need to pay close attention to AX stock based on the movements in the options market lately.
AX — Frequently Asked Questions
What is the current share price of Axos Financial, Inc. (AX)?
As of 2026-07-14 21:23 PDT, Axos Financial, Inc. (AX) trades at $97.77 on NYSE. Its 52-week range is $75.60 to $101.01.
What is the market capitalisation of AX?
Axos Financial, Inc. (AX) has a market capitalisation of $5.56B on NYSE.
What is the P/E ratio of AX?
AX trades at a trailing price-to-earnings (P/E) ratio of 11.91. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.68.
What is the return on equity (ROE) of AX?
AX has a return on equity (ROE) of 16.80%.
Is AX a good stock to buy?
This page provides a data-driven analysis of Axos Financial, Inc. (AX), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.