No connection

Search Results

AX

NEUTRAL
$91.75 Live
Axos Financial, Inc. · NYSE
Target $103.25 (+12.5%)
$54.46 52W Range $99.82
Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Jan 24, 2026
Market cap
$5.2B
P/E
12.94
ROE
16.7%
Profit margin
36.0%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
65%
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.

Key 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
Strong ROE of 16.65%, outperforming the sector average of -13.34%
Analyst consensus supports upside with a $103.25 target price and 'buy' recommendation

Key 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
Bearish insider sentiment with $0.37M in director sell transactions and no buys in the last 6 months
Technical trend score of 10/100 signals strong near-term bearish momentum
AI Fair Value Estimate
Based on comprehensive analysis
$88.69
-3.3% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
53
Moderate
Value
70
Future
55
Past
75
Health
45
Dividend
20
AI Verdict
Neutral with upside potential if financial transparency improves
Key drivers: Low Piotroski score limits health assessment, Strong earnings execution and profitability, Valuation discount to peers, Bearish insider and technical signals, Lack of Altman Z-Score and debt data
Confidence
65%
Value
70/100

Ref P/E, PEG, Graham Number

Positives
  • P/E of 12.94 below sector average of 20.94
  • Forward P/E of 9.93 suggests earnings growth priced in
  • Graham Number at $88.69 provides conservative floor
Watchpoints
  • Current price ($91.75) trades above Graham Number
  • PEG unavailable limits growth-adjusted valuation
Future
55/100

Ref Growth rates

Positives
  • Analyst target implies 12.5% upside
  • Earnings growth YoY at 0.50% and Q/Q at 0.00% shows stability
Watchpoints
  • Revenue growth YoY at -0.20% signals contraction
  • No Q/Q revenue growth data available
Past
75/100

Ref Historical trends

Positives
  • 21 out of 25 quarters beat EPS estimates
  • Consistent positive earnings surprises, including +43.6% in 2020
  • 5-year return of +123.1% outperforms most peers
Watchpoints
  • Recent Q/Q EPS growth slowing to +6.7%
  • 1-month price change down -2.9%
Health
45/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • ROE of 16.65% indicates efficient equity use
Watchpoints
  • Piotroski F-Score of 4/9 indicates weak financial health
  • Altman Z-Score not available, preventing distress risk assessment
  • No Debt/Equity, current ratio, or cash/debt data
Dividend
20/100

Ref Yield, Payout

Positives
  • Payout ratio of 0.00% preserves capital for reinvestment
Watchpoints
  • Dividend Strength score of 0/100
  • No dividend yield or rate data available
  • No history of dividend payments

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$91.75
Analyst Target
$103.25
Upside/Downside
+12.5%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for AX and closest competitors.

Updated 2026-01-23
AX
Axos Financial, Inc.
Primary
5Y
+123.1%
3Y
+117.6%
1Y
+29.3%
6M
+8.3%
1M
+3.2%
1W
-2.9%
ASB
Associated Banc-Corp
Peer
5Y
+58.3%
3Y
+79.1%
1Y
+38.4%
6M
+12.5%
1M
+12.5%
1W
+0.9%
HLN
Hamilton Lane Incorporated
Peer
5Y
+7.1%
3Y
+35.3%
1Y
-32.0%
6M
-21.2%
1M
-5.5%
1W
-2.0%
AUB
Atlantic Union Bankshares Corporation
Peer
5Y
+14.1%
3Y
+29.3%
1Y
+52.3%
6M
+11.7%
1M
+7.3%
1W
-2.1%
HAS
HA Sustainable Infrastructure Capital, Inc.
Peer
5Y
-3.9%
3Y
+75.4%
1Y
+72.5%
6M
+49.0%
1M
+16.3%
1W
+2.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
12.94
Forward P/E
9.93
PEG Ratio
N/A
P/B Ratio
1.86
P/S Ratio
4.32
EV/Revenue
3.53
EV/EBITDA
N/A
Market Cap
$5.2B

Profitability

Profit margins and return metrics

Profit Margin 36.0%
Operating Margin 50.8%
Gross Margin N/A
ROE 16.65%
ROA 1.7%

Growth

Revenue and earnings growth rates

Revenue Growth -0.2%
Earnings Growth +0.5%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$45.53

Quarterly Earnings History

EPS performance vs analyst estimates

2026-01-29
$N/A
2025-10-30
$2.07
+10.3% surprise
2025-07-30
$1.94
+7.0% surprise
2025-04-29
$1.81
+4.3% surprise

Financial Services Sector Comparison

Comparing AX against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
12.94
This Stock
vs
36.01
Sector Avg
-64.1% (Discount)
Return on Equity (ROE)
16.65%
This Stock
vs
-0.73%
Sector Avg
-2372.8% (Below Avg)
Profit Margin
36.0%
This Stock
vs
91.62%
Sector Avg
-60.7% (Weaker)
Revenue Growth
-0.2%
This Stock
vs
35.27%
Sector Avg
-100.6% (Slower)

Similar Companies

Peer comparison within the same industry

AX Axos Financial, Inc.
NEUTRAL
Mkt Cap
$5.2B
P/E
12.9
ROE
16.7%
Price
$91.75
ASB Associated Banc-Corp
BULLISH
Mkt Cap
$5.2B
P/E
10.1
ROE
9.9%
Price
$27.85
 Compare with AX
HLNE Hamilton Lane...
BULLISH
Mkt Cap
$5.1B
P/E
16.9
ROE
31.7%
Price
$92.28
 Compare with AX
AUB Atlantic Union...
BULLISH
Mkt Cap
$5.3B
P/E
15.9
ROE
6.7%
Price
$37.22
 Compare with AX
HASI HA Sustainable...
BEARISH
Mkt Cap
$5.3B
P/E
29.6
ROE
7.4%
Price
$41.77
 Compare with AX

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

WALSH DERRICK
Chief Financial Officer
Gift
2025-12-09
150 shares · $12,694
BOHLIG TAMARA N
Director
Sell
2025-12-08
2,145 shares · $184,964
RATINOFF EDWARD JAMES
Director
Sell
2025-12-05
2,145 shares · $181,446
BOHLIG TAMARA N
Director
Stock Award
2025-11-14
4,289 shares
WARDELL-SMITH SARA
Director
Option Exercise
2025-11-14
4,289 shares · $339,346
GILL ANN
Senior Vice President
Option Exercise
2025-11-14
1,000 shares · $79,120
DADA UZAIR
Director
Option Exercise
2025-11-14
4,289 shares · $339,346
GRINBERG PAUL J
Director
Option Exercise
2025-11-14
12,865 shares · $1,017,879
SANTI ROQUE A
Director
Option Exercise
2025-11-14
4,289 shares · $339,346
RATINOFF EDWARD JAMES
Director
Option Exercise
2025-11-14
4,289 shares · $339,346
COURT JAMES JOHN
Director
Stock Award
2025-11-14
4,724 shares
ARGALAS JAMES S
Director
Option Exercise
2025-11-14
4,289 shares · $339,346
CARTER STEFANI D
Director
Stock Award
2025-11-14
4,289 shares
MOSICH NICHOLAS A
Director
Option Exercise
2025-11-14
5,443 shares · $430,650
TOLLA JOHN CHARLES
Officer
Gift
2025-11-05
4,450 shares
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
6 analysts
Needham
2026-01-16
reit
Buy Buy
DA Davidson
2025-12-08
Maintains
Buy Buy
Needham
2025-10-31
Maintains
Buy Buy
Keefe, Bruyette & Woods
2025-09-29
Maintains
Market Perform Market Perform
Needham
2025-09-29
Maintains
Buy Buy
DA Davidson
2025-09-24
Maintains
Buy Buy
Raymond James
2025-09-23
reit
Outperform Outperform
DA Davidson
2025-07-31
Maintains
Buy Buy
Raymond James
2025-07-31
reit
Outperform Outperform
Keefe, Bruyette & Woods
2025-07-31
Maintains
Market Perform Market Perform

Past News Coverage

Recent headlines mentioning AX from our newsroom.

Newest → oldest
Back to All Stocks
TradingGPT V2 Copilot
Fundamentals • Valuation • Risk
Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends
Features Terminal AI Assistant Analysis Market News Pricing
Start Trading with AI Already have an account? Sign In
Home
Terminal
AI Chat
Markets
Profile