AX Stock Financial Analysis - Axos Financial, Inc. (NYSE) Stock

Overview

Axos Financial, Inc., headquartered in the United States, operates primarily in the financial services industry, focusing on providing innovative banking and financial solutions. As a technology-driven financial institution, Axos Financial predominately offers its services through online platforms, aligning with contemporary trends in digital banking. Key projects include the development and enhancement of mobile and online banking products tailored to both individual consumers and business clients. This strategic focus is complemented by an array of banking services including checking, savings, and lending products designed to optimize efficiency and accessibility for customers. The company's commitment to leveraging technology to deliver superior financial services positions it as a notable player in the competitive landscape of modern banking.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Axos Financial, Inc. as of June 30, 2025 is 1,203.09 MM.
The operating income for Axos Financial, Inc. as of June 30, 2025 is 640.95 MM.
The net income for Axos Financial, Inc. as of June 30, 2025 is 432.91 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	1,203.09	640.95	432.91
2025-03-31	1,181.57	629.48	427.11
2024-12-31	1,176.00	634.56	432.62
2024-09-30	1,127.19	606.17	479.70
2024-06-30	1,059.19	563.63	450.01
2024-03-31	1,003.73	549.69	432.49
2023-12-31	940.69	507.46	401.62
2023-09-30	919.09	499.30	331.40
2023-06-30	879.36	447.28	307.17
2023-03-31	836.41	422.60	277.70
2022-12-31	784.49	394.17	259.68
2022-09-30	731.61	362.20	238.91
2022-06-30	696.77	362.76	240.72
2022-03-31	672.72	344.55	237.07
2021-12-31	655.76	333.59	228.90
2021-09-30	638.22	325.90	222.90
2021-06-30	620.25	316.35	215.71
2021-03-31	602.52	309.12	206.75
2020-12-31	597.32	311.85	209.16
2020-09-30	567.64	289.83	195.67

Income Statement: EPS

The earnings per share basic for Axos Financial, Inc. as of June 30, 2025 is 7.61.
The earnings per share diluted for Axos Financial, Inc. as of June 30, 2025 is 7.43.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	7.61	7.43
2025-03-31	7.49	7.33
2024-12-31	7.59	7.40
2024-09-30	8.42	8.22
2024-06-30	7.82	7.66
2024-03-31	7.45	7.31
2023-12-31	6.83	6.72
2023-09-30	5.57	5.48
2023-06-30	5.15	5.07
2023-03-31	4.64	4.58
2022-12-31	4.34	4.29
2022-09-30	4.01	3.95
2022-06-30	4.04	3.97
2022-03-31	3.99	3.91
2021-12-31	3.86	3.76
2021-09-30	3.76	3.67
2021-06-30	3.64	3.56
2021-03-31	3.48	3.42
2020-12-31	3.49	3.45
2020-09-30	3.24	3.20

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Axos Financial, Inc. as of June 30, 2025 is 440.85 MM.
The cash from investing activities for Axos Financial, Inc. as of June 30, 2025 is -1,841.07 MM.
The cash from financing activities for Axos Financial, Inc. as of June 30, 2025 is 1,390.79 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	440.85	-1,841.07	1,390.79
2025-03-31	416.73	-1,419.44	914.50
2024-12-31	445.33	-1,162.17	1,626.54
2024-09-30	368.01	-2,128.54	2,150.62
2024-06-30	449.83	-2,589.28	1,943.14
2024-03-31	364.88	-2,753.25	2,230.06
2023-12-31	224.43	-2,729.56	2,316.35
2023-09-30	264.33	-1,755.09	2,206.48
2023-06-30	262.88	-2,399.10	2,943.60
2023-03-31	343.42	-2,860.55	3,772.04
2022-12-31	513.27	-3,051.12	3,372.01
2022-09-30	474.14	-3,523.75	3,478.23
2022-06-30	240.39	-2,783.02	3,079.55
2022-03-31	163.55	-1,464.83	1,107.64
2021-12-31	56.78	-988.44	606.82
2021-09-30	76.51	-953.89	1,024.65
2021-06-30	224.77	-866.77	-270.74
2021-03-31	209.31	-1,486.85	1,866.30
2020-12-31	270.08	-1,584.58	1,731.52
2020-09-30	258.05	-1,261.16	1,422.95

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/e for Axos Financial, Inc. as of June 30, 2025 is 10.12.
The p/book for Axos Financial, Inc. as of June 30, 2025 is 1.66.
The p/tbv for Axos Financial, Inc. as of June 30, 2025 is 1.75.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30	10.12	1.66	1.75
2025-03-31		1.44	1.54
2024-12-31		1.68	1.81
2024-09-30	7.88	1.55	1.75
2024-06-30	7.27	1.43	1.55
2024-03-31		1.46	1.60
2023-12-31	9.51	1.60	1.75
2023-09-30	7.29	1.17	1.36
2023-06-30	8.37	1.26	1.40
2023-03-31	8.53	1.24
2022-12-31		1.35	1.62
2022-09-30		1.25	1.50
2022-06-30		1.35	1.52
2022-03-31	12.06	1.81	2.06
2021-12-31	14.93	2.28	2.61
2021-09-30	14.21	2.19	2.56
2021-06-30
2021-03-31	12.09	1.86	2.06
2020-12-31	11.91	1.94	2.16
2020-09-30	12.76	2.02	2.27

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Axos Financial, Inc. as of June 30, 2025 is 0.20.
The ebit (3y)/ev for Axos Financial, Inc. as of June 30, 2025 is 0.19.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.20	0.19
2025-03-31	0.33	0.29
2024-12-31	0.33	0.26
2024-09-30	0.30	0.23
2024-06-30	0.37	0.27
2024-03-31	0.27	0.20
2023-12-31	0.28	0.23
2023-09-30	0.70	0.58
2023-06-30	0.72	0.63
2023-03-31	0.35	0.32
2022-12-31	0.20	0.18
2022-09-30	0.18	0.16
2022-06-30	0.16	0.14
2022-03-31	0.11	0.10
2021-12-31	0.10	0.09
2021-09-30	0.08	0.07
2021-06-30
2021-03-31	0.12	0.10
2020-12-31	0.13	0.11
2020-09-30	0.11	0.09

Management Effectiveness

The roa for Axos Financial, Inc. as of June 30, 2025 is 0.02.
The roe for Axos Financial, Inc. as of June 30, 2025 is 0.19.
The roic for Axos Financial, Inc. as of June 30, 2025 is 0.13.
The croic for Axos Financial, Inc. as of June 30, 2025 is -0.03.
The ocroic for Axos Financial, Inc. as of June 30, 2025 is 0.13.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.02	0.19	0.13	-0.03	0.13
2025-03-31	0.02	0.20	0.14	0.29	0.14
2024-12-31	0.02	0.23	0.16	0.13	0.12
2024-09-30	0.02	0.23	0.16	-0.07	0.16
2024-06-30	0.02	0.23	0.15	-0.05	0.12
2024-03-31	0.02	0.22	0.15	-0.07	0.08
2023-12-31	0.02	0.19	0.12	0.27	0.09
2023-09-30	0.02	0.19	0.12	0.31	0.10
2023-06-30	0.02	0.19	0.12	0.32	0.10
2023-03-31	0.02	0.16	0.11	0.50	0.14
2022-12-31	0.02	0.16	0.09	0.17	0.19
2022-09-30	0.02	0.17	0.08	0.15	0.17
2022-06-30	0.02	0.17	0.09	0.20	0.09
2022-03-31	0.02	0.17	0.09	-0.07	0.04
2021-12-31	0.02	0.17	0.09	-0.13	0.03
2021-09-30	0.02	0.17	0.07	0.05	0.07
2021-06-30	0.02	0.18	0.11	-0.45	0.11
2021-03-31	0.02	0.17	0.08	0.23	0.08
2020-12-31	0.02	0.18	0.09	0.18	0.12
2020-09-30	0.02	0.18	0.08	0.18	0.11

Gross Margins

The gross margin for Axos Financial, Inc. as of June 30, 2025 is 1.00.
The net margin for Axos Financial, Inc. as of June 30, 2025 is 0.36.
The operating margin for Axos Financial, Inc. as of June 30, 2025 is 0.53.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.36	0.53
2025-03-31	1.00	0.37	0.54
2024-12-31	1.00	0.43	0.54
2024-09-30	1.00	0.42	0.53
2024-06-30	1.00	0.43	0.55
2024-03-31	1.00	0.43	0.55
2023-12-31	1.00	0.36	0.55
2023-09-30	1.00	0.35	0.51
2023-06-30	1.00	0.35	0.51
2023-03-31	1.00	0.33	0.51
2022-12-31	1.00	0.33	0.50
2022-09-30	1.00	0.33	0.50
2022-06-30	1.00	0.34	0.48
2022-03-31	1.00	0.35	0.52
2021-12-31	1.00	0.35	0.51
2021-09-30	1.00	0.35	0.51
2021-06-30		0.35	0.51
2021-03-31	1.00	0.34	0.51
2020-12-31	1.00	0.35	0.52
2020-09-30	1.00	0.34	0.51