Axos Financial, Inc.(AX) Stock Research - Grey Stern Research

Axos Financial, Inc. (AX) Stock Analysis

$64.21 (0.75%)

AX Financial Performance


Use the table below to view Axos Financial, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q2 - 2025

Metric Value Ranking among Peers
Price $63.73 -
52 Week Low $44.10 -
52 Week High $88.46 -
Market Cap $3.6 Billion 4/17
Gross Margin 100% 1/17
Profit Margin 23% 7/17
EBITDA margin 73% 1/17
Q2 - 2025 Revenue $456.1 Million 1/17
Q2 - 2025 Earnings $104.7 Million 2/17
Q2 - 2025 Free Cash Flow $180.3 Million 2/17
Trailing 4 Quarters Revenue $1.9 Billion 2/17
Trailing 4 Quarters Earnings $432.6 Million 2/17
Quarterly Earnings Growth -31% 15/17
Annual Earnings Growth 8% 4/17
Quarterly Revenue Growth 16% 6/17
Annual Revenue Growth 28% 11/17
Cash On Hand $2.4 Billion 2/17
Short Term Debt $0 9/17
Long Term Debt $418.7 Million 2/17

Axos Financial, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Axos Financial, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 8.41 16/17
PS 1.91 14/17
PB 1.44 4/17
PC 1.49 11/17
Liabilities to Equity 8.40 8/17
ROA 0.02 1/17
ROE 0.17 1/17
Current Ratio 1.12 9/17
Quick Ratio 0.12 5/17
Long Term Debt to Equity 0.17 9/17
Debt to Equity 0.17 12/17
Burn Rate -27.72 13/17
Cash to Cap 0.67 4/17
CCR 1.72 7/17
EV to EBITDA 4.86 5/17
EV to Revenue 0.85 5/17

Company Details

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through Banking Business and Securities Business segments. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text messaging banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. 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.

CEO: Mr. Gregory Garrabrants

Website: https://axosfinancial.com

Address: 9205 W Russell Rd Ste 400 Las Vegas, NEVADA

Exchange: New York Stock Exchange

Industry: Banks—Regional

Axos Financial, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Axos Financial, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
National Bank Holdings Corporation NBHC $1.5 Billion
Brookline Bancorp, Inc. BRKL $967.7 Million
BOK Financial Corporation BOKF $6.6 Billion
Great Southern Bancorp, Inc. GSBC $655.6 Million
First Financial Bankshares, Inc. FFIN $5.1 Billion
BCB Bancorp, Inc. BCBP $173.9 Million
BancFirst Corporation BANF $3.6 Billion
American National Bankshares Inc. AMNB $507.7 Million
Auburn National Bancorporation, Inc. AUBN $76.0 Million
First Guaranty Bancshares, Inc. FGBI $103.0 Million
ACNB Corporation ACNB $442.9 Million
Community West Bancshares CWBC $341.0 Million
First Capital, Inc. FCAP $127.5 Million
Home Bancorp, Inc. HBCP $359.6 Million
BayCom Corp BCML $277.7 Million
Affinity Bancshares, Inc. AFBI $115.9 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
AX Income Statements
Quarter Year Revenue Earnings
Q2 2025 $ 456.1 Million $104.7 Million
Q1 2025 $ 484.3 Million $112.3 Million
Q4 2024 $ 484.3 Million $104.9 Million
Q3 2024 $ 476.7 Million $110.7 Million
Q2 2024 $ 394.7 Million $151.8 Million
Q1 2024 $ 364.0 Million $82.6 Million
Q4 2023 $ 233.0 Million $87.4 Million
Q3 2023 $ 227.9 Million $79.9 Million

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AX Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q2 2025 $2.4 Billion $23.7 Billion $418.7 Million $2.5 Billion
Q1 2025 $2.6 Billion $23.6 Billion $0 $2.4 Billion
Q4 2024 $489.9 Million $22.9 Billion $489.9 Million $2.3 Billion
Q3 2024 $2.1 Billion $22.6 Billion $608.3 Million $2.2 Billion
Q2 2024 $1.6 Billion $21.6 Billion $0 $2.1 Billion
Q1 2024 $2.2 Billion $20.8 Billion $0 $2.0 Billion
Q4 2023 $2.2 Billion $20.3 Billion $451.8 Million $1.9 Billion
Q3 2023 $2.3 Billion $19.8 Billion $424.3 Million $1.8 Billion

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AX Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q2 2025 $180.3 Million $17.8 Million -$130.4 Million
Q1 2025 $70.8 Million $0 $618.1 Million
Q4 2024 $42.0 Million -$10.5 Million -$160.1 Million
Q3 2024 $103.6 Million -$8.4 Million $582.2 Million
Q2 2024 $102.7 Million -$10.5 Million -$650.0 Million
Q1 2024 $33.9 Million $0 $31.7 Million
Q4 2023 $58.2 Million -$10.5 Million -$122.1 Million
Q3 2023 -$63.5 Million -$5.7 Million $551.7 Million

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