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Axos Financial, Inc.
AX
NYSE·Financial Services·Banks - Regional·Mkt cap $5.6B
$97.90
▼ -1.05%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$74.89 - $101.92
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 18.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Digital-first banking platform with mobile and online capabilities reducing operational costs
- Diversified revenue streams across consumer banking, commercial lending, and securities services
- Strong deposit base with multiple account types including insured cash sweep accounts
- Established brokerage clearing and back-office services generating recurring revenue
- Regional market focus with efficient cost structure compared to national competitors
Bear Case
2 risks
- Average volatility.
- Growth premium of 0.9x vs sector peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion of commercial real estate and business lending portfolios
Value
Growth premium of 0.9x vs sector peers. Reasonable for this growth rate.
Momentum
Strong
+15.9% over 3m
Quality
Excellent
High-growth business (53% revenue growth, 62% gross margin). Profitable with strong growth momentum.
Dividend
None
No dividend
Smart-money signal
Who's buying AX right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 28, 2026
APR 30, 2026
Reported EPS of $1.90 vs $2.13 consensus (-10.8% surprise). Revenue of $392.2M vs $372.5M expected (+5.3%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-10.8%
Next: Apr 28, 2026
Revenue trend · last 8Q
—
—
+19%
+5%
+10%
+1%
+85%
+22%
Q4 24
Q1 24
Q2 24
Q3 25
Q4 25
Q1 25
Q2 25
Q3 26
$287.1M
$316.4M
$303.6M
$461.9M
$479.4M
$493.9M
$562.9M
$564.2M
Margins · last 8Q
Gross
62.3%
Operating
29.3%
Profit
22.1%
Wall Street consensus
5 analysts · 80% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
80%
Hold
20%
Sell
0%
Median Price Target
—
Latest: Raymond James · Apr 7, 2026