Axos Financial (AX) Competitors

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

Do analysts recommend AX or AFRM?

Axos Financial presently has a consensus target price of $84.17, suggesting a potential upside of 34.13%. Affirm has a consensus target price of $66.74, suggesting a potential upside of 38.06%. Given Affirm's stronger consensus rating and higher possible upside, analysts clearly believe Affirm is more favorable than Axos Financial.

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

Does the MarketBeat Community prefer AX or AFRM?

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

Is AX or AFRM 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
Axos Financial	22.10%	18.67%	1.89%
Affirm	-7.10%	-7.25%	-2.02%

Does the media favor AX or AFRM?

In the previous week, Axos Financial had 6 more articles in the media than Affirm. MarketBeat recorded 11 mentions for Axos Financial and 5 mentions for Affirm. Axos Financial's average media sentiment score of 1.27 beat Affirm's score of 0.40 indicating that Axos Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
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
Affirm	1 Very Positive mention(s)	0 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has better valuation & earnings, AX or AFRM?

Axos Financial has higher earnings, but lower revenue 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
Axos Financial	$1.20B	2.99	$450.01M	$7.44	8.43
Affirm	$2.80B	5.49	-$517.76M	-$0.65	-74.37

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

83.8% of Axos Financial shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 5.1% of Axos Financial shares are owned by insiders. Comparatively, 12.4% of Affirm shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Which has more risk & volatility, AX or AFRM?

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

Summary

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