Axos Financial (AX) Competitors

Affirm (NASDAQ:AFRM) and Axos Financial (NYSE:AX) are both business services companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, institutional ownership, dividends, community ranking, analyst recommendations, media sentiment, profitability, risk and earnings.

Does the media prefer AFRM or AX?

In the previous week, Axos Financial had 6 more articles in the media than Affirm. MarketBeat recorded 12 mentions for Axos Financial and 6 mentions for Affirm. Axos Financial's average media sentiment score of 1.48 beat Affirm's score of 0.62 indicating that Axos Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Affirm	0 Very Positive mention(s)	0 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Axos Financial	8 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do institutionals and insiders hold more shares of AFRM or AX?

69.3% of Affirm shares are held by institutional investors. Comparatively, 83.8% of Axos Financial shares are held by institutional investors. 12.4% of Affirm shares are held by insiders. Comparatively, 5.1% of Axos Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Does the MarketBeat Community believe in AFRM or AX?

Affirm received 3 more outperform votes than Axos Financial when rated by MarketBeat users. However, 53.16% of users gave Axos Financial an outperform vote while only 40.00% of users gave Affirm an outperform vote.

Company	Underperform	Outperform
Affirm	Outperform Votes 104 40.00%	Underperform Votes 156 60.00%
Axos Financial	Outperform Votes 101 53.16%	Underperform Votes 89 46.84%

Which has preferable valuation & earnings, AFRM or AX?

Axos Financial has lower revenue, but higher earnings than Affirm. Affirm is trading at a lower price-to-earnings ratio than Axos Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Affirm	$2.80B	5.65	-$517.76M	-$0.65	-76.55
Axos Financial	$1.20B	3.03	$450.01M	$7.44	8.54

Is AFRM or AX more profitable?

Axos Financial has a net margin of 22.10% compared to Affirm's net margin of -7.10%. Axos Financial's return on equity of 18.67% beat Affirm's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Affirm	-7.10%	-7.25%	-2.02%
Axos Financial	22.10%	18.67%	1.89%

Which has more risk and volatility, AFRM or AX?

Affirm has a beta of 3.68, suggesting that its share price is 268% more volatile than the S&P 500. Comparatively, Axos Financial has a beta of 1.33, suggesting that its share price is 33% more volatile than the S&P 500.

Do analysts recommend AFRM or AX?

Affirm presently has a consensus price target of $66.74, indicating a potential upside of 34.12%. Axos Financial has a consensus price target of $84.17, indicating a potential upside of 32.44%. Given Affirm's stronger consensus rating and higher possible upside, equities analysts clearly believe Affirm is more favorable than Axos Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Affirm	0 Sell rating(s)	8 Hold rating(s)	14 Buy rating(s)	1 Strong Buy rating(s)	2.70
Axos Financial	0 Sell rating(s)	2 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.67

Summary

Axos Financial beats Affirm on 10 of the 19 factors compared between the two stocks.