AXOS FINANCIAL INC (AX)

US05465C1009 - Common Stock

71.73  +0.61 (+0.86%)

After market: 71.73 0 (0%)

Fundamental Rating

5

Overall AX gets a fundamental rating of 5 out of 10. We evaluated AX against 407 industry peers in the Banks industry. AX has only an average score on both its financial health and profitability. AX is not valued too expensively and it also shows a decent growth rate.



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5

1. Profitability

1.1 Basic Checks

In the past year AX was profitable.
AX had a positive operating cash flow in the past year.
Each year in the past 5 years AX has been profitable.
Each year in the past 5 years AX had a positive operating cash flow.

1.2 Ratios

AX has a better Return On Assets (2.04%) than 96.04% of its industry peers.
AX has a Return On Equity of 19.94%. This is amongst the best in the industry. AX outperforms 98.02% 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

1.3 Margins

The Profit Margin of AX (38.10%) is better than 94.80% 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 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

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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.
Compared to 1 year ago, AX has less shares outstanding
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

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 69.31% of the companies in the same industry.
A Debt/Equity ratio of 0.17 indicates that AX is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.17, AX is in line with its industry, outperforming 58.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.39
Altman-Z N/A
ROIC/WACCN/A
WACC18.8%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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6

3. Growth

3.1 Past

AX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 49.91%, which is quite impressive.
The Earnings Per Share has been growing by 23.35% on average over the past years. This is a very strong growth
Looking at the last year, AX shows a very strong growth in Revenue. The Revenue has grown by 33.72%.
Measured over the past years, AX shows a quite strong growth in Revenue. The Revenue has been growing by 19.23% on average per year.
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

Based on estimates for the next years, AX will show a decrease in Earnings Per Share. The EPS will decrease by -1.13% on average per year.
The Revenue is expected to grow by 8.03% on average over the next years. This is quite good.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.68, the valuation of AX can be described as reasonable.
AX's Price/Earnings ratio is rather cheap when compared to the industry. AX is cheaper than 88.61% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.20, AX is valued rather cheaply.
A Price/Forward Earnings ratio of 9.52 indicates a reasonable valuation of AX.
Based on the Price/Forward Earnings ratio, AX is valued a bit cheaper than 78.71% of the companies in the same industry.
AX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.73.
Industry RankSector Rank
PE 8.68
Fwd PE 9.52

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 RankSector Rank
P/FCF 13.88
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y-1.13%
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 (12/20/2024, 8:04:00 PM)

After market: 71.73 0 (0%)

71.73

+0.61 (+0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2024-10-30/amc
Earnings (Next)01-28 2025-01-28/amc
Inst Owners87.55%
Inst Owner Change-2.43%
Ins Owners10.04%
Ins Owner Change-0.55%
Market Cap4.10B
Analysts81.33
Price Target81.02 (12.95%)
Short Float %9.41%
Short Ratio10.59
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)0.91%
PT rev (3m)-3.53%
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)2.01%
Valuation
Industry RankSector Rank
PE 8.68
Fwd PE 9.52
P/S 3.25
P/FCF 13.88
P/OCF 11.96
P/B 1.7
P/tB 1.83
EV/EBITDA N/A
EPS(TTM)8.26
EY11.52%
EPS(NY)7.54
Fwd EY10.51%
FCF(TTM)5.17
FCFY7.21%
OCF(TTM)6
OCFY8.36%
SpS22.05
BVpS42.14
TBVpS39.22
PEG (NY)N/A
PEG (5Y)0.37
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
WACC18.8%
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)49.91%
EPS 3Y29.14%
EPS 5Y23.35%
EPS Q2Q%39.86%
EPS Next Y-5.59%
EPS Next 2Y-1.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)33.72%
Revenue growth 3Y22.51%
Revenue growth 5Y19.23%
Sales Q2Q%22.8%
Revenue Next Year10.36%
Revenue Next 2Y8.03%
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%