Stocks · Financial Services · Banks - Regional
Axos Financial, Inc. AX
$88.93 +1.51% Close, Oct 2, 2026 · NYSE · Market cap $5.06B
Inexpensive vs sector
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $2.19B, up 13.5% from a year earlier, accelerating from 8.8% a quarter earlier.
- The company holds net cash of $35.0M (cash above total debt).
- Diluted EPS over the last four quarters was $8.47, up 13.5% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 32%
- EPS growth (TTM, YoY)Bottom 42%
- FCF growth (TTM, YoY)Bottom 39%
- Revenue growth, 3-year CAGRTop 31%
- Revenue growth accelerationTop 18%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 14%
- Gross marginBottom 44%
- Operating marginTop 30%
- Cash conversion (OCF / net income)Bottom 48%
- Accruals (lower is better)Bottom 46%
- Net debt / EBITDA (lower is better)Top 27%
- Interest coverBottom 47%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 19%
- Free-cash-flow yieldTop 42%
- EBITDA / enterprise valueTop 13%
- Sales / enterprise valueTop 31%
- P/E vs own 5-year history (lower is better)Bottom 49%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 43%
- 6-month returnBottom 46%
- 1-year return vs S&P 500Top 47%
- Distance from 52-week highBottom 32%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 39%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 34%
- Upside to consensus price targetTop 15%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 42%
- Maximum drawdown, 3 yearsBottom 34%
- Beta vs S&P 500 (lower is better)Bottom 18%
- Net debt / EBITDA (lower is better)Top 27%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 8.8% | 13.5% | ↑ |
| EPS growth (YoY) | 12.1% | 13.5% | ↑ |
| Gross margin | 61.5% | 63.0% | ↑ |
| Operating margin | 31.8% | 29.5% | ↓ |
| FCF margin | 22.6% | 21.1% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 13.5% | 8.8% | ↑ | Top 32% |
| EPS growth (TTM, YoY) | 13.5% | 12.1% | ↑ | Bottom 42% |
| Gross margin | 63.0% | 61.5% | ↑ | Bottom 44% |
| Operating margin | 29.5% | 31.8% | ↓ | Top 30% |
| Net margin | 22.4% | 22.4% | ↓ | — |
| Free-cash-flow margin | 21.1% | 22.6% | ↓ | — |
| Return on invested capital | 9.7% | — | Top 14% | |
| Revenue growth, 3-year CAGR | 20.1% | — | Top 31% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.14×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +14.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.05×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.82%
- Shareholder yield
- 0.82%
- Share count change, 1 year
- +0.3%
- Share count change, 3-year CAGR
- -1.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 20, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +2.8%
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $124.50
- Target vs current price
- +40.0%
- Analysts with a rating
- 20
- Share rating Buy or Strong Buy
- 60%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | +1.9% | +0.3% | +5.7% | -0.1% | — |
| Apr 30, 2026 | -10.8% | +1.6% | -7.2% | -8.0% | +1.0% |
| Jan 29, 2026 | +8.7% | +3.0% | +8.0% | +3.7% | +4.0% |
| Oct 30, 2025 | +11.3% | +0.7% | +2.5% | +4.1% | +17.4% |
| Jul 30, 2025 | +6.6% | -0.4% | +0.4% | +6.5% | -7.7% |
| Apr 30, 2025 | +4.0% | -0.7% | +5.0% | +9.8% | +32.5% |
| Jan 28, 2025 | +4.0% | -0.1% | -4.9% | -9.2% | -14.4% |
| Oct 30, 2024 | +8.4% | +0.3% | +2.0% | +27.3% | +9.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $2.20 | $2.16 | +1.9% | $379.8M |
| Apr 30, 2026 | $1.90 | $2.13 | -10.8% | $392.2M |
| Jan 29, 2026 | $2.25 | $2.07 | +8.7% | $385.1M |
| Oct 30, 2025 | $2.07 | $1.86 | +11.3% | $323.4M |
| Jul 30, 2025 | $1.94 | $1.82 | +6.6% | $321.4M |
| Apr 30, 2025 | $1.81 | $1.74 | +4.0% | $308.8M |
| Jan 28, 2025 | $1.82 | $1.75 | +4.0% | $307.9M |
| Oct 30, 2024 | $1.93 | $1.78 | +8.4% | $320.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.5× | 9.9× | 57th | Top 19% |
| P/E (forward) | 9.2× | — | — | — |
| EV / EBITDA | 6.9× | — | — | Top 13% |
| EV / Sales | 2.29× | — | — | Top 31% |
| Free-cash-flow yield | 9.14% | — | — | Top 42% |
| Earnings yield | 9.52% | — | — | Top 19% |
P/E over the past five years
Range 6.9× – 14.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +6.5%
- Earnings per share growth (TTM)
- +13.5%
- Change in P/E multiple
- -1.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.7%
- 200-day average slope (20 days)
- +1.0%
- Distance from 50-day average
- -7.0%
- Distance from 200-day average
- -3.7%
- RSI (14)
- 39.8
- Relative volume
- 0.97×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.07
- Correlation with S&P 500
- 0.49
- Current drawdown from 1-year high
- -15.4%
- Maximum drawdown, 3 years
- -34.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 24, 2021 | Nov 13, 2023 | -46.3% | 494 days | 166 days (Jul 15, 2024) |
| Nov 25, 2024 | Apr 8, 2025 | -34.9% | 90 days | 86 days (Aug 12, 2025) |
| Jul 30, 2024 | Oct 2, 2024 | -22.8% | 45 days | 25 days (Nov 6, 2024) |
| Feb 6, 2026 | Mar 18, 2026 | -19.0% | 27 days | 93 days (Jul 31, 2026) |
| Aug 27, 2025 | Nov 17, 2025 | -18.1% | 57 days | 35 days (Jan 8, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $5.06B
- P/E (TTM)
- 10.5
- EPS, diluted (TTM)
- $8.47
- Revenue (TTM)
- $2.19B
- 52-week range
- $74.89 – $105.74
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $757.9M | $1.26B | $1.77B | $1.93B | $2.19B |
| Gross profit | $681.6M | $865.9M | $1.04B | $1.19B | $1.38B |
| Operating income | $340.0M | $431.7M | $635.5M | $613.4M | $646.7M |
| Net income | $240.7M | $307.2M | $450.0M | $432.9M | $490.4M |
| EPS (diluted) | $3.97 | $5.07 | $7.66 | $7.43 | $8.48 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $508.6M | $479.6M | $461.9M | $479.4M | $493.9M | $562.9M | $564.2M | $569.5M |
| Net income | $112.3M | $104.7M | $105.2M | $110.7M | $112.4M | $128.4M | $124.7M | $124.9M |
| EPS (diluted) | $1.93 | $1.80 | $1.81 | $1.92 | $1.94 | $2.22 | $2.15 | $2.16 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Operating cash flow | $216.6M | $196.7M | $305.5M | $490.3M | $557.6M |
| Capital expenditure | -$21.5M | -$30.2M | -$36.0M | -$54.2M | -$266.4M |
| Free cash flow | $195.1M | $166.5M | $269.5M | $436.1M | $291.1M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$14.5M | -$49.0M | -$96.3M | -$58.2M | -$22.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.16B
- Total assets
- $29.96B
- Total liabilities
- $26.80B
- Total debt
- $1.07B
- Net debt
- -$35.0M
- Shareholders’ equity
- $3.17B
As of Jun 30, 2026 (filed Aug 20, 2026).
Short interest
- Shares sold short
- 3,196,838
- Days to cover
- 11.31
- Change vs previous report
- +5.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 18, 2015
- 4-for-1