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AXOS FINANCIAL INC (AX) Stock Fundamental Analysis

NYSE:AX - New York Stock Exchange, Inc. - US05465C1009 - Common Stock - Currency: USD

69.93  +0.3 (+0.43%)

After market: 69.93 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to AX. AX was compared to 405 industry peers in the Banks industry. AX has an average financial health and profitability rating. AX has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year AX was profitable.
In the past year AX had a positive cash flow from operations.
In the past 5 years AX has always been profitable.
AX had a positive operating cash flow in each of the past 5 years.
AX Yearly Net Income VS EBIT VS OCF VS FCFAX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

The Return On Assets of AX (2.04%) is better than 95.73% of its industry peers.
The Return On Equity of AX (19.94%) is better than 97.99% of its industry peers.
Industry RankSector Rank
ROA 2.04%
ROE 19.94%
ROIC N/A
ROA(3y)1.62%
ROA(5y)1.54%
ROE(3y)16.77%
ROE(5y)16.12%
ROIC(3y)N/A
ROIC(5y)N/A
AX Yearly ROA, ROE, ROICAX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

AX has a Profit Margin of 38.10%. This is amongst the best in the industry. AX outperforms 94.72% of its industry peers.
In the last couple of years the Profit Margin of AX has grown nicely.
The Operating Margin and Gross Margin are not available for AX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 38.1%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.33%
PM growth 5Y3.82%
GM growth 3YN/A
GM growth 5YN/A
AX Yearly Profit, Operating, Gross MarginsAX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

AX does not have a ROIC to compare to the WACC, probably because it is not profitable.
AX has less shares outstanding than it did 1 year ago.
AX has less shares outstanding than it did 5 years ago.
The debt/assets ratio for AX has been reduced compared to a year ago.
AX Yearly Shares OutstandingAX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
AX Yearly Total Debt VS Total AssetsAX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

The Debt to FCF ratio of AX is 1.39, which is an excellent value as it means it would take AX, only 1.39 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.39, AX is doing good in the industry, outperforming 69.35% of the companies in the same industry.
AX has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
AX has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: AX outperforms 58.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.39
Altman-Z N/A
ROIC/WACCN/A
WACC18.97%
AX Yearly LT Debt VS Equity VS FCFAX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AX Yearly Current Assets VS Current LiabilitesAX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.03% over the past year.
The Earnings Per Share has been growing by 23.35% on average over the past years. This is a very strong growth
The Revenue has grown by 31.04% in the past year. This is a very strong growth!
AX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.23% yearly.
EPS 1Y (TTM)10.03%
EPS 3Y29.14%
EPS 5Y23.35%
EPS Q2Q%-30.53%
Revenue 1Y (TTM)31.04%
Revenue growth 3Y22.51%
Revenue growth 5Y19.23%
Sales Q2Q%-12.71%

3.2 Future

The Earnings Per Share is expected to decrease by -1.06% on average over the next years.
AX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.07% yearly.
EPS Next Y-5.66%
EPS Next 2Y-1.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.36%
Revenue Next 2Y8.07%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
AX Yearly Revenue VS EstimatesAX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
AX Yearly EPS VS EstimatesAX Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.37, the valuation of AX can be described as very reasonable.
Based on the Price/Earnings ratio, AX is valued cheaply inside the industry as 88.19% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 28.46, AX is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.27, the valuation of AX can be described as reasonable.
84.42% of the companies in the same industry are more expensive than AX, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 92.56, AX is valued rather cheaply.
Industry RankSector Rank
PE 9.37
Fwd PE 9.27
AX Price Earnings VS Forward Price EarningsAX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as AX.
Industry RankSector Rank
P/FCF 13.53
EV/EBITDA N/A
AX Per share dataAX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-1.06%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

AX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AXOS FINANCIAL INC

NYSE:AX (1/31/2025, 6:40:00 PM)

After market: 69.93 0 (0%)

69.93

+0.3 (+0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)N/A N/A
Inst Owners87.55%
Inst Owner Change0.32%
Ins Owners10.04%
Ins Owner Change-2.52%
Market Cap3.99B
Analysts81.33
Price Target85.39 (22.11%)
Short Float %8.43%
Short Ratio8.89
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.89%
Min EPS beat(2)-3.64%
Max EPS beat(2)5.42%
EPS beat(4)3
Avg EPS beat(4)23.71%
Min EPS beat(4)-3.64%
Max EPS beat(4)84.04%
EPS beat(8)6
Avg EPS beat(8)14.88%
EPS beat(12)7
Avg EPS beat(12)8.06%
EPS beat(16)11
Avg EPS beat(16)7.02%
Revenue beat(2)0
Avg Revenue beat(2)-3.91%
Min Revenue beat(2)-5.9%
Max Revenue beat(2)-1.91%
Revenue beat(4)2
Avg Revenue beat(4)7.75%
Min Revenue beat(4)-5.9%
Max Revenue beat(4)38.37%
Revenue beat(8)5
Avg Revenue beat(8)4.2%
Revenue beat(12)7
Avg Revenue beat(12)3.58%
Revenue beat(16)9
Avg Revenue beat(16)2.42%
PT rev (1m)3.06%
PT rev (3m)1.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.6%
Valuation
Industry RankSector Rank
PE 9.37
Fwd PE 9.27
P/S 3.17
P/FCF 13.53
P/OCF 11.66
P/B 1.66
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)7.46
EY10.67%
EPS(NY)7.55
Fwd EY10.79%
FCF(TTM)5.17
FCFY7.39%
OCF(TTM)6
OCFY8.58%
SpS22.05
BVpS42.14
TBVpS39.22
PEG (NY)N/A
PEG (5Y)0.4
Profitability
Industry RankSector Rank
ROA 2.04%
ROE 19.94%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 38.1%
GM N/A
FCFM 23.44%
ROA(3y)1.62%
ROA(5y)1.54%
ROE(3y)16.77%
ROE(5y)16.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.33%
PM growth 5Y3.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.39
Debt/EBITDA N/A
Cap/Depr 164.94%
Cap/Sales 3.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 61.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC18.97%
ROIC/WACCN/A
Cap/Depr(3y)116.41%
Cap/Depr(5y)88.56%
Cap/Sales(3y)3.12%
Cap/Sales(5y)2.62%
Profit Quality(3y)63.23%
Profit Quality(5y)104.96%
High Growth Momentum
Growth
EPS 1Y (TTM)10.03%
EPS 3Y29.14%
EPS 5Y23.35%
EPS Q2Q%-30.53%
EPS Next Y-5.66%
EPS Next 2Y-1.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.04%
Revenue growth 3Y22.51%
Revenue growth 5Y19.23%
Sales Q2Q%-12.71%
Revenue Next Year10.36%
Revenue Next 2Y8.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-24.13%
FCF growth 3Y-12.49%
FCF growth 5Y7.9%
OCF growth 1Y-17.4%
OCF growth 3Y-9.53%
OCF growth 5Y8.37%