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AX vs SLMBP

AX
Axos Financial, Inc.
NEUTRAL
Price
$91.75
Market Cap
$5.2B
Sector
Financial Services
AI Confidence
65%
SLMBP
SLM Corporation
BEARISH
Price
$74.25
Market Cap
$4.85B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AX
12.94
SLMBP
34.62
Forward P/E
AX
9.93
SLMBP
--
P/B Ratio
AX
1.86
SLMBP
6.72
P/S Ratio
AX
4.32
SLMBP
2.94
EV/EBITDA
AX
--
SLMBP
--

Profitability

Gross Margin
AX
0.0%
SLMBP
100.0%
Operating Margin
AX
50.8%
SLMBP
66.82%
Profit Margin
AX
36.0%
SLMBP
45.1%
ROE
AX
16.65%
SLMBP
32.3%
ROA
AX
1.7%
SLMBP
2.49%

Growth

Revenue Growth
AX
-0.2%
SLMBP
67.8%
Earnings Growth
AX
0.5%
SLMBP
126.2%

Financial Health

Debt/Equity
AX
--
SLMBP
2.4
Current Ratio
AX
--
SLMBP
1.28
Quick Ratio
AX
--
SLMBP
1.23

Dividends

Dividend Yield
AX
--
SLMBP
8.23%
Payout Ratio
AX
0.0%
SLMBP
--

AI Verdict

AX NEUTRAL

The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates borderline stable financial health, while the absence of an Altman Z-Score limits distress risk assessment. Despite strong profitability metrics like a 50.8% operating margin and consistent earnings beats, weak revenue growth and lack of key financial data constrain confidence. The stock trades above the Graham Number of $88.69 at $91.75, implying a slight premium, but remains below the analyst target of $103.25. Bearish insider activity and a weak technical trend offset solid historical performance and favorable sector-relative valuation.

Strengths
Consistently beats earnings estimates with an 88% beat rate over the last four quarters and strong average surprise of 7.2%
Exceptional operating profitability: 50.8% operating margin and 36.0% profit margin significantly outperform sector averages
Attractive valuation relative to peers: P/E of 12.94 vs sector average of 20.94
Risks
Low Piotroski F-Score of 4/9 suggests weak financial health and limited operational resilience
Revenue growth is nearly flat YoY (-0.20%), indicating stagnation in top-line expansion
Missing key financial data (Debt/Equity, Altman Z-Score, cash/debt levels) creates uncertainty in financial health and leverage risk
SLMBP BEARISH

SLMBP exhibits a dangerous divergence between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While YoY earnings growth is exceptional at 126.2%, the stock trades at a significant premium to its Graham Number ($23.08) and Intrinsic Value ($63.28). High leverage (Debt/Equity 2.40) and a bearish technical trend (0/100) suggest that the current price of $74.25 is unsustainable. The high dividend yield of 8.23% appears risky given the low dividend strength score and poor health metrics.

Strengths
Exceptional YoY Earnings Growth (126.20%)
Strong Revenue Growth (67.80%)
High Return on Equity (32.30%)
Risks
Severe fundamental weakness (Piotroski F-Score 2/9)
Significant overvaluation relative to Graham Number ($23.08)
High leverage with Debt/Equity of 2.40 (above sector average of 1.40)

Compare Another Pair

AX vs SLMBP: Head-to-Head Comparison

This page compares Axos Financial, Inc. (AX) and SLM Corporation (SLMBP) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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