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Earnings transcript
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AX
Axos Financial, Inc.
$85.36
-0.61
(-0.71%)
[ms_data_label text=’Delayed data’]
| Exchange: | NYSE |
| Market Cap: | 4.838B |
| Shares Outstanding: | 14.924M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Gregory Garrabrants | |||||
| Full Time Employees: | 1781 | |||||
| Address: |
| |||||
| Website: | https://axosfinancial.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
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Strengths (preview)
- Robust Financial Performance: Axos Financial reported strong results in Q4 2025, with key financial metrics such as revenue, net income, and EPS reflecting solid growth as highlighted in the earnings call transcript. This performance underscores the company’s operational efficiency and ability to generate consistent returns.
- Technological Leverage: The earnings call emphasized Axos Financial’s focus on leveraging technology to drive efficiency and customer acquisition. This strategic use of digital platforms positions the company favorably within the financial services sector for cost management and scalability.
- Positive Free Cash Flow: Analysis of cash flow statements indicates a healthy free cash flow yield (TTM), suggesting the company has sufficient liquidity to fund operations, invest in growth, and potentially return value to shareholders through dividends or buybacks.
- Sector and Industry Positioning: Performance metrics show AX outperforming industry averages over multiple timeframes (1-year and 5-year periods), indicating a competitive edge within its sector and industry, as supported by industry performance data.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates AX intrinsic value between $67.53 – $71.52 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about AX valuation
Is Axos Financial, Inc. (AX) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Axos Financial, Inc. (AX) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is AX a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AX trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is AX’s P/E ratio?
You can see AX’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for AX?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is AX a good long-term investment?
Whether AX fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
AX
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[ms_data_label text="Daily snapshot"]
-0.71
Trading Metrics:
| Open: | [ms_cell_or_dash table='trading_quote' column='open'] | Previous Close: | [ms_cell_or_dash table='trading_quote' column='previousClose'] | |
| Day Low: | [ms_cell_or_dash table='trading_quote' column='dayLow'] | Day High: | [ms_cell_or_dash table='trading_quote' column='dayHigh'] | |
| Year Low: | 54.46 | Year High: | 101.92 | |
| Price Avg 50: | 90.68 | Price Avg 200: | 86.23 | |
| Volume: | 202742 | Average Volume: | 406159 |
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Welcome to MARKETSNAP’s SWOT analysis for Axos Financial, also known by its ticker AX. If you’re a long-term investor looking to dig into a financial player that’s been making some interesting moves, you’re in the right place. Today, we’re breaking down the strengths, weaknesses, opportunities, and threats for Axos Financial, a company that’s carving out its space in the digital banking and financial services world. Let’s dive in with a quick overview, check out some recent developments, and then get…
