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Axos Financial, Inc. (AX) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

Axos Financial, Inc.

AXMarket cap $4.97BPrice $87.7

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs an all-digital bank with no branches, serving consumers and businesses through savings, checking, and lending products entirely online. That lean model keeps costs low, letting Axos post some of the fattest margins in American banking.

In Bastion Portfolios?

52W Return+15%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+16%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+12%–

Rev CAGR (5y)+8%7

Earnings Forecast

EPS Growth Y+1+14%7

EPS Growth Y+2+12%7

EPS Growth Y+3+7%6

Quality

Margins

EBIT Margin0%7

Net Income Margin36%9

Free Cash Flow Margin20%8

Debt

Net Debt/EBITDAna–

Efficiency

ROE17%7

ROA2%4

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)99

P/E Ratio (Forward 3y)79

P/BV1.68

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%9

Dividend Yieldna–

Momentum

Short term

1 month return-9%3

3 month return-8%4

YTD return+2%5

Mid term

Price vs 52wHigh83%6

1 year return+5%5

Long term

3 year return+131%8

5 year return+63%6

Risk Shield

Price Risk

Beta1.13

Volatility32%6

Free Cash Flow

Free Cash Flow Margin20%8

Free Cash Flow Yield0.0%9

Quality

ROCE17%4

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

AXAxos Financial

Revenue FY26$1.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+16%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+12%–

Revenue, next 5Y, CAGR+8%7

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+14%7

EPS growth, FY28E+12%7

EPS growth, FY29E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 12%/yr over the next 3 years, ahead of most of the market.7/10

The runway holds up: revenue is set to grow 8%/yr over five years.7/10

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 12%/yr).

WATCH

Revenue grew 16%/yr over the last 3 years; forecasts see it cooling to 12%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE44 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-8%4

YTD return+2%5

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+5%5

3-year return+131%8

5-year return+63%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +131% over three years and +63% over five, ahead of 60% of the market.

WATCH

It's up 5% over the past year, but 17% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-8%) and so far this year (+2%).

WEAKNESSES

The stock is underperforming over the past month (-9%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Axos Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

AXAxos Financial

Revenue FY26$1.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+16%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+12%–

Revenue, next 5Y, CAGR+8%7

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+14%7

EPS growth, FY28E+12%7

EPS growth, FY29E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 12%/yr over the next 3 years, ahead of most of the market.7/10

The runway holds up: revenue is set to grow 8%/yr over five years.7/10

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 12%/yr).

WATCH

Revenue grew 16%/yr over the last 3 years; forecasts see it cooling to 12%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE44 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-8%4

YTD return+2%5

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+5%5

3-year return+131%8

5-year return+63%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +131% over three years and +63% over five, ahead of 60% of the market.

WATCH

It's up 5% over the past year, but 17% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-8%) and so far this year (+2%).

WEAKNESSES

The stock is underperforming over the past month (-9%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Axos Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community