AXOS FINANCIAL INC (AX)
US05465C1009 - Common Stock
Overall AX gets a fundamental rating of 5 out of 10. We evaluated AX against 404 industry peers in the Banks industry. AX has only an average score on both its financial health and profitability. AX has a decent growth rate and is not valued too expensively.
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.
AX had positive earnings in each of the past 5 years.
Each year in the past 5 years AX had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 2.04%, AX belongs to the best of the industry, outperforming 95.76% of the companies in the same industry.
Looking at the Return On Equity, with a value of 19.94%, AX belongs to the top of the industry, outperforming 97.76% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
AX has a Profit Margin of 38.10%. This is amongst the best in the industry. AX outperforms 94.76% of its industry peers.
In the last couple of years the Profit Margin of AX has grown nicely.
AX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
AX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AX has been reduced compared to 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.
2.2 Solvency
AX has a debt to FCF ratio of 1.39. This is a very positive value and a sign of high solvency as it would only need 1.39 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.39, AX is doing good in the industry, outperforming 70.57% 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's Debt to Equity ratio of 0.17 is fine compared to the rest of the industry. AX outperforms 60.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.39 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 49.91% 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
AX shows a strong growth in Revenue. In the last year, the Revenue has grown by 33.72%.
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)49.91%
EPS 3Y29.14%
EPS 5Y23.35%
EPS Q2Q%39.86%
Revenue 1Y (TTM)33.72%
Revenue growth 3Y22.51%
Revenue growth 5Y19.23%
Sales Q2Q%22.8%
3.2 Future
AX is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.13% yearly.
AX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.03% yearly.
EPS Next Y-5.59%
EPS Next 2Y-1.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.36%
Revenue Next 2Y8.03%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.94, which indicates a very decent valuation of AX.
Based on the Price/Earnings ratio, AX is valued cheaper than 88.03% of the companies in the same industry.
AX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.96.
With a Price/Forward Earnings ratio of 10.90, the valuation of AX can be described as very reasonable.
73.82% of the companies in the same industry are more expensive than AX, based on the Price/Forward Earnings ratio.
AX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.94 | ||
| Fwd PE | 10.9 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AX is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.43
EPS Next 2Y-1.13%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AX does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AXOS FINANCIAL INC
NYSE:AX (11/21/2024, 8:13:50 PM)
After market: 82.12 0 (0%)82.12
+2.39 (+3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.69B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.94 | ||
| Fwd PE | 10.9 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.04% | ||
| ROE | 19.94% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 38.1% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)49.91%
EPS 3Y29.14%
EPS 5Y
EPS Q2Q%
EPS Next Y-5.59%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)33.72%
Revenue growth 3Y22.51%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y