Axos Financial, Inc.

Valuation Analysis

About the Company

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 kno

Axos Financial, Inc. Stock at a Glance

Axos Financial, Inc. (AX) is currently trading at $90.28 with a market capitalization of $5.1B. The trailing P/E ratio stands at 11x, with a forward P/E of 9.34x. The 52-week range spans from $69.25 to $101.92; the current price is 11.4% below the yearly high. Year-over-year revenue growth stands at +19.3%. The net profit margin stands at 35.96%.

💰 Dividend

Axos Financial, Inc. currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.

📊 Analyst Rating

6 analysts rate Axos Financial, Inc. (AX) on consensus: Strong Buy. The average price target is $110.17, implying +22.03% from the current price. Analyst price targets range from $105.00 to $114.00.

Axos Financial, Inc.: The Investment Case in Detail

Axos Financial, Inc. (AX) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 19.3% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Wall Street consensus sits at Strong Buy with an average price target implying roughly 22.03% upside from current levels — analyst sentiment is firmly constructive. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

With a PEG ratio of 0.95, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

What to Watch Next

• The forward P/E of 9.34x is meaningfully below the trailing 11x — analysts expect earnings to step up; the next earnings release is the test.
• The analyst consensus price target implies 22.03% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to market-like volatility, elevated short interest (8.46%).

Trading Data

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