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Earnings transcript
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AX
Axos Financial, Inc.
$97.5
-0.58
(-0.59%)
| Exchange: | NYSE |
| Market Cap: | 5.546B |
| Shares Outstanding: | 14.924M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Gregory Garrabrants | |||||
| Full Time Employees: | 2191 | |||||
| Address: |
| |||||
| Website: | http://investors.axosfinancial.com |
Founded in Las Vegas, Nevada, in 1999, Axos Financial, Inc. is a U.S.-based financial institution that delivers a comprehensive array of banking services to both individual consumers and businesses. The company operates through two primary divisions: its core Banking Business and its Securities Business. For deposits, Axos provides a broad spectrum of options including checking, savings, demand, money market, and time deposit accounts, alongside specialized products such as zero balance and insured cash sweep accounts. Its diverse lending portfolio encompasses various mortgage types, such as single-family, multi-family, and commercial real estate-backed loans. They also extend commercial and industrial loans, comprising non-real estate, asset-backed, term loans, and lines of credit. Consumer lending encompasses automobile loans, fixed-rate unsecured loans, and unique offerings such as structured settlements, Small Business Administration (SBA) loans, and securities-backed financing. Beyond its core banking activities, Axos provides extensive services, including ACH origination, wire transfers, commercial check printing, and tools for business bill payment and account transfers. Digital solutions such as remote and mobile deposit, lockbox services, merchant payment processing, and online payment portals are readily available. Clients benefit from concierge banking, mobile and text message banking, diverse payment services, and access to debit cards, credit cards, and digital wallets. In its Securities Business, Axos facilitates disclosed clearing services and comprehensive back-office support. This encompasses record keeping, trade reporting, accounting, general administrative support, securities and margin lending, reorganization assistance, and the secure custody of securities. The company also offers financing solutions to its brokerage clients. The institution, previously known as BofI Holding, Inc., adopted its current name, Axos Financial, Inc., in September 2018.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Revenue | 1,767,610 | 1,929,466 | 2,190,535 |
| Gross Profit | 1,040,932 | 1,186,028 | 1,379,388 |
| EBITDA | 662,567 | 642,414 | 727,293 |
| Operating Income | 635,481 | 613,395 | 646,670 |
| Net Income | 450,008 | 432,908 | 490,372 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Total Assets | 22,855,334 | 24,783,078 | 29,961,869 |
| Total Liabilities | 20,564,738 | 22,102,401 | 0 |
| Total Stockholders Equity | 2,290,596 | 2,680,677 | 3,166,418 |
| Total Debt | 415,679 | 372,671 | 691,644 |
| Cash and Cash Equivalents | 1,979,979 | 1,933,845 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Operating Cash Flow | 305,477 | 490,331 | 100,392 |
| Capital Expenditure | -35,961 | -54,213 | 0 |
| Free Cash Flow | 269,516 | 436,118 | 100,392 |
| Net Income | 450,008 | 432,908 | 490,372 |
| Net Change in Cash | -196,310 | -9,422 | 12,564 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,782,800.904 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 1,814,763.491 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 1,797,046.250 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 670,626.358 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 682,649.547 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 675,984.951 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 617,079.758 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 631,633.474 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 629,362.250 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 360,830.616 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 367,299.695 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 363,713.808 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 10.800 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 10.920 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 10.670 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 3 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 3 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
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.
[intrinsic_calculator]
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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Daily snapshot
-0.59
Trading Metrics:
| Open: | 97.12 | Previous Close: | 98.08 | |
| Day Low: | 96.15 | Day High: | 98.26 | |
| Year Low: | 74.89 | Year High: | 105.74 | |
| Price Avg 50: | 97.55 | Price Avg 200: | 90.95 | |
| Volume: | 37717 | Average Volume: | 385886 |
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Login — it's freeAX full analysis
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…
