Stock AnalizAxos Financial, Inc. AX
Savings Institutions · IPO 2018 · data as of November 13, 2026
Axos Financial, Inc. (AX) is a financial company listed in the US with a market value of about $5.2B. In the twelve months to September 30, 2026 it had revenue of $1.6B and net income of $508M, a net margin of 32.7%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is value (4/5); the weakest is shareholder returns (2/5).
Key numbers: a P/E of 10.4, a price to free cash flow of 12.4, 5-year revenue growth of 18% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 0% below the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Pays a dividend
- 20% to 100% of free cash flow returned to shareholders
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.6B | $1.5B | $1.3B | $1.2B | $904M | $721M | $644M | $581M | $491M | $439M | $381M |
| Net income | $508M | $490M | $433M | $450M | $307M | $241M | $216M | $183M | $155M | $152M | $135M |
| Free cash flow | $417M | $291M | $436M | $270M | $166M | $195M | $402M | $272M | $184M | $156M | $190M |
| EPS (diluted) | $8.77 | $8.48 | $7.43 | $7.66 | $5.07 | $3.97 | $3.56 | $2.98 | $2.48 | $2.37 | $2.10 |
| Net margin | 32.7% | 33.1% | 34.4% | 38.0% | 34.0% | 33.4% | 33.5% | 31.6% | 31.6% | 34.7% | 35.3% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 7 analysts is $117.71, 29% above the current price; targets range from $110.00 to $128.00; the consensus rating is “Strong buy”; expected EPS is $9.73 for the fiscal year ending June 30, 2027.
Frequently asked questions
What is Axos Financial’s P/E ratio?
About 10.4, based on the last twelve months of diluted earnings per share (forward P/E about 8.9).
Is Axos Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 0% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Axos Financial pay a dividend?
Not currently.
Is Axos Financial a good stock to buy?
We do not give buy or sell advice. Axos Financial scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.