Axos Financial, Inc. Logo

Axos Financial, Inc.

AX

(3.5)
Stock Price

68,11 USD

1.61% ROA

20.55% ROE

9.48x PER

Market Cap.

3.077.414.921,00 USD

27.21% DER

0% Yield

32.94% NPM

Axos Financial, Inc. Stock Analysis

Axos Financial, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Axos Financial, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (17.62%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a minimal amount of debt (27%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Net Profit Growth

Over the last five years, this company's net profit has shown continuous growth, reflecting a robust financial performance and making it an attractive choice for potential investors.

5 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

6 ROA

The stock's ROA (1.61%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 PBV

The stock's PBV ratio (1.17x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (146), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

Axos Financial, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Axos Financial, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Axos Financial, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Axos Financial, Inc. Revenue
Year Revenue Growth
2001 362.000
2002 492.000 26.42%
2003 6.437.000 92.36%
2004 7.720.000 16.62%
2005 9.876.000 21.83%
2006 11.297.000 12.58%
2007 12.028.000 6.08%
2008 19.399.000 38%
2009 31.126.000 37.68%
2010 64.973.000 52.09%
2011 68.047.000 4.52%
2012 98.361.000 30.82%
2013 129.338.000 23.95%
2014 159.552.000 18.94%
2015 229.535.000 30.49%
2016 327.351.000 29.88%
2017 381.359.000 14.16%
2018 439.435.000 13.22%
2019 488.540.000 10.05%
2020 572.388.000 14.65%
2021 632.851.000 9.55%
2022 705.337.000 10.28%
2023 890.176.000 20.76%
2024 1.455.808.000 38.85%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Axos Financial, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Axos Financial, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 1.538.000 100%
2004 1.880.000 18.19%
2005 2.450.000 23.27%
2006 2.386.000 -2.68%
2007 2.993.000 20.28%
2008 5.426.000 44.84%
2009 10.302.000 47.33%
2010 12.005.000 14.19%
2011 20.395.000 41.14%
2012 28.211.000 27.71%
2013 41.477.000 31.98%
2014 45.739.000 9.32%
2015 61.052.000 25.08%
2016 92.114.000 33.72%
2017 111.054.000 17.05%
2018 138.259.000 19.68%
2019 195.803.000 29.39%
2020 205.436.000 4.69%
2021 229.379.000 10.44%
2022 272.475.000 15.82%
2023 267.673.000 -1.79%
2024 40.960.000 -553.5%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Axos Financial, Inc. EBITDA
Year EBITDA Growth
2001 2.452.000
2002 9.593.000 74.44%
2003 12.048.000 20.38%
2004 13.580.000 11.28%
2005 19.400.000 30%
2006 30.522.000 36.44%
2007 41.558.000 26.56%
2008 52.292.000 20.53%
2009 53.638.000 2.51%
2010 71.065.000 24.52%
2011 69.212.000 -2.68%
2012 87.398.000 20.81%
2013 104.131.000 16.07%
2014 132.924.000 21.66%
2015 189.549.000 29.87%
2016 266.386.000 28.84%
2017 312.846.000 14.85%
2018 354.853.000 11.84%
2019 385.559.000 7.96%
2020 280.776.000 -37.32%
2021 340.465.000 17.53%
2022 428.024.000 20.46%
2023 455.131.000 5.96%
2024 1.107.324.000 58.9%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Axos Financial, Inc. Gross Profit
Year Gross Profit Growth
2001 362.000
2002 492.000 26.42%
2003 6.437.000 92.36%
2004 7.720.000 16.62%
2005 9.876.000 21.83%
2006 11.297.000 12.58%
2007 12.028.000 6.08%
2008 19.399.000 38%
2009 31.126.000 37.68%
2010 64.973.000 52.09%
2011 68.047.000 4.52%
2012 98.361.000 30.82%
2013 129.338.000 23.95%
2014 159.552.000 18.94%
2015 229.535.000 30.49%
2016 327.351.000 29.88%
2017 381.359.000 14.16%
2018 439.435.000 13.22%
2019 488.540.000 10.05%
2020 572.388.000 14.65%
2021 632.851.000 9.55%
2022 705.337.000 10.28%
2023 890.176.000 20.76%
2024 1.455.808.000 38.85%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Axos Financial, Inc. Net Profit
Year Net Profit Growth
2001 -1.082.000
2002 1.020.000 206.08%
2003 1.730.000 41.04%
2004 2.175.000 20.46%
2005 2.869.000 24.19%
2006 3.266.000 12.16%
2007 3.319.000 1.6%
2008 4.196.000 20.9%
2009 7.142.000 41.25%
2010 21.128.000 66.2%
2011 20.579.000 -2.67%
2012 29.476.000 30.18%
2013 40.291.000 26.84%
2014 55.956.000 28%
2015 82.682.000 32.32%
2016 119.291.000 30.69%
2017 134.740.000 11.47%
2018 152.411.000 11.59%
2019 155.131.000 1.75%
2020 183.438.000 15.43%
2021 215.707.000 14.96%
2022 240.716.000 10.39%
2023 307.165.000 21.63%
2024 330.580.000 7.08%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Axos Financial, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 1 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 2 0%
2017 2 50%
2018 2 0%
2019 3 0%
2020 3 33.33%
2021 4 0%
2022 4 25%
2023 5 20%
2024 6 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Axos Financial, Inc. Free Cashflow
Year Free Cashflow Growth
2003 -1.040.000
2004 5.712.000 118.21%
2005 4.229.000 -35.07%
2006 2.427.000 -74.25%
2007 1.718.000 -41.27%
2008 9.102.000 81.13%
2009 -10.362.000 187.84%
2010 -15.420.000 32.8%
2011 965.000 1697.93%
2012 -58.842.000 101.64%
2013 11.836.000 597.14%
2014 18.156.000 34.81%
2015 110.985.000 83.64%
2016 200.405.000 44.62%
2017 215.126.000 6.84%
2018 143.682.000 -49.72%
2019 184.339.000 22.06%
2020 254.298.000 27.51%
2021 402.145.000 36.76%
2022 184.506.000 -117.96%
2023 157.744.000 -16.97%
2024 27.378.000 -476.17%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Axos Financial, Inc. Operating Cashflow
Year Operating Cashflow Growth
2003 -982.000
2004 5.776.000 117%
2005 4.375.000 -32.02%
2006 2.514.000 -74.03%
2007 1.826.000 -37.68%
2008 9.383.000 80.54%
2009 -10.146.000 192.48%
2010 -15.000.000 32.36%
2011 4.115.000 464.52%
2012 -56.271.000 107.31%
2013 15.750.000 457.28%
2014 21.319.000 26.12%
2015 116.102.000 81.64%
2016 210.644.000 44.88%
2017 223.884.000 5.91%
2018 155.499.000 -43.98%
2019 204.421.000 23.93%
2020 266.631.000 23.33%
2021 412.582.000 35.38%
2022 206.010.000 -100.27%
2023 187.959.000 -9.6%
2024 33.870.000 -454.94%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Axos Financial, Inc. Capital Expenditure
Year Capital Expenditure Growth
2003 58.000
2004 64.000 9.38%
2005 146.000 56.16%
2006 87.000 -67.82%
2007 108.000 19.44%
2008 281.000 61.57%
2009 216.000 -30.09%
2010 420.000 48.57%
2011 3.150.000 86.67%
2012 2.571.000 -22.52%
2013 3.914.000 34.31%
2014 3.163.000 -23.74%
2015 5.117.000 38.19%
2016 10.239.000 50.02%
2017 8.758.000 -16.91%
2018 11.817.000 25.89%
2019 20.082.000 41.16%
2020 12.333.000 -62.83%
2021 10.437.000 -18.17%
2022 21.504.000 51.46%
2023 30.215.000 28.83%
2024 6.492.000 -365.42%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Axos Financial, Inc. Equity
Year Equity Growth
2001 11.903.000
2002 19.501.000 38.96%
2003 22.885.000 14.79%
2004 31.759.000 27.94%
2005 68.650.000 53.74%
2006 70.246.000 2.27%
2007 72.750.000 3.44%
2008 83.082.000 12.44%
2009 88.939.000 6.59%
2010 129.808.000 31.48%
2011 147.766.000 12.15%
2012 206.620.000 28.48%
2013 268.262.000 22.98%
2014 370.778.000 27.65%
2015 533.526.000 30.5%
2016 683.590.000 21.95%
2017 834.247.000 18.06%
2018 960.513.000 13.15%
2019 1.073.050.000 10.49%
2020 1.230.846.000 12.82%
2021 1.400.936.000 12.14%
2022 1.642.973.000 14.73%
2023 1.917.159.000 14.3%
2024 1.976.208.000 2.99%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Axos Financial, Inc. Assets
Year Assets Growth
2001 156.628.000
2002 217.614.000 28.02%
2003 273.464.000 20.42%
2004 405.039.000 32.48%
2005 609.508.000 33.55%
2006 737.835.000 17.39%
2007 947.163.000 22.1%
2008 1.194.245.000 20.69%
2009 1.302.208.000 8.29%
2010 1.421.081.000 8.36%
2011 1.940.087.000 26.75%
2012 2.386.845.000 18.72%
2013 3.090.771.000 22.78%
2014 4.402.999.000 29.8%
2015 5.823.719.000 24.4%
2016 7.601.354.000 23.39%
2017 8.501.680.000 10.59%
2018 9.539.504.000 10.88%
2019 11.220.238.000 14.98%
2020 13.851.900.000 19%
2021 14.265.565.000 2.9%
2022 17.455.605.000 18.28%
2023 20.348.469.000 14.22%
2024 20.825.206.000 2.29%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Axos Financial, Inc. Liabilities
Year Liabilities Growth
2001 144.725.000
2002 198.113.000 26.95%
2003 250.579.000 20.94%
2004 373.280.000 32.87%
2005 540.858.000 30.98%
2006 667.589.000 18.98%
2007 874.413.000 23.65%
2008 1.111.163.000 21.31%
2009 1.213.269.000 8.42%
2010 1.291.273.000 6.04%
2011 1.792.321.000 27.96%
2012 2.180.225.000 17.79%
2013 2.822.509.000 22.76%
2014 4.032.221.000 30%
2015 5.290.193.000 23.78%
2016 6.917.764.000 23.53%
2017 7.667.433.000 9.78%
2018 8.578.991.000 10.63%
2019 10.147.188.000 15.45%
2020 12.621.054.000 19.6%
2021 12.864.629.000 1.89%
2022 15.812.632.000 18.64%
2023 18.431.310.000 14.21%
2024 18.848.998.000 2.22%

Axos Financial, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
17.8
Net Income per Share
5.62
Price to Earning Ratio
9.48x
Price To Sales Ratio
2.93x
POCF Ratio
20.81
PFCF Ratio
25.18
Price to Book Ratio
1.59
EV to Sales
1.39
EV Over EBITDA
1.75
EV to Operating CashFlow
9.62
EV to FreeCashFlow
11.89
Earnings Yield
0.11
FreeCashFlow Yield
0.04
Market Cap
3,08 Bil.
Enterprise Value
1,45 Bil.
Graham Number
65.12
Graham NetNet
-275.43

Income Statement Metrics

Net Income per Share
5.62
Income Quality
0.46
ROE
0.18
Return On Assets
0.02
Return On Capital Employed
0.05
Net Income per EBT
0.71
EBT Per Ebit
0.57
Ebit per Revenue
0.82
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.21
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
1
Operating Profit Margin
0.82
Pretax Profit Margin
0.47
Net Profit Margin
0.33

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.16
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
2.56
Free CashFlow per Share
2.07
Capex to Operating CashFlow
-0.19
Capex to Revenue
-0.03
Capex to Depreciation
-1.28
Return on Invested Capital
0.23
Return on Tangible Assets
0.02
Days Sales Outstanding
99.29
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
3.68
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.49

Balance Sheet

Cash per Share
40,69
Book Value per Share
33,52
Tangible Book Value per Share
30.49
Shareholders Equity per Share
33.52
Interest Debt per Share
17.32
Debt to Equity
0.27
Debt to Assets
0.03
Net Debt to EBITDA
-1.96
Current Ratio
3.44
Tangible Asset Value
1,80 Bil.
Net Current Asset Value
-16,69 Bil.
Invested Capital
0.27
Working Capital
1,53 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,33 Bil.
Average Payables
0,66 Bil.
Average Inventory
0
Debt to Market Cap
0.17

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Axos Financial, Inc. Dividends
Year Dividends Growth

Axos Financial, Inc. Profile

About Axos Financial, Inc.

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through Banking Business and Securities Business segments. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text messaging banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

CEO
Mr. Gregory Garrabrants C.F.A
Employee
1.455
Address
9205 West Russell Road
Las Vegas, 89148

Axos Financial, Inc. Executives & BODs

Axos Financial, Inc. Executives & BODs
# Name Age
1 Mr. Thomas M. Constantine
Executive Vice President & Chief Credit Officer - Axos Bank
70
2 Mr. Gregory Garrabrants C.F.A., J.D.
President, Chief Executive Officer & Director
70
3 Mr. Johnny Y. Lai CFA
Senior Vice President of Corporate Development & Investor Relations
70
4 Mr. David X. Park
Executive Vice President of Commercial Banking & Treasury Management - Axos Bank
70
5 Ms. Candace L. Thiele
Executive Vice President & Chief Administrative Officer
70
6 Mr. John Charles Tolla
Executive Vice President, Chief Governance, Risk & Compliance Officer
70
7 Mr. Andrew J. Micheletti CPA(inactive)
Executive Vice President of Finance
70
8 Mr. Raymond D. Matsumoto
Executive Vice President & Chief Operating Officer - Axos Bank
70
9 Mr. Eshel Bar-Adon
Executive Vice President of Specialty Finance & Chief Legal Officer
70
10 Mr. Derrick K. Walsh CPA
Executive Vice President & Chief Financial Officer
70

Axos Financial, Inc. Competitors