AXOS FINANCIAL (AX) Stock Price, News & Analysis

Company Overview

Axos Financial, Inc. (NYSE: AX) is a diversified online banking and financial services holding company headquartered in San Diego, California. The firm traces its origins to 1999 with the launch of Bank of Internet USA and rebranded as Axos Financial in December 2018 to reflect an expanded suite of digital offerings. Axos Financial operates through its wholly owned subsidiary, Axos Bank, providing a technology-driven banking platform that serves both retail and commercial clients across the United States.

Through its digital banking platform, Axos Financial delivers a range of deposit products, including checking and savings accounts, money market and certificate of deposit accounts, as well as individual retirement accounts. The company leverages its online infrastructure to offer competitive rates and fee structures, positioning itself as a direct bank alternative to traditional brick-and-mortar institutions. Customers access account services, mobile banking, and customer support through secure online and mobile channels.

In addition to consumer banking, Axos Financial offers lending solutions such as personal loans, residential mortgages, commercial real estate loans, and lines of credit. The company also provides treasury management, payment processing and wealth management services tailored to small to mid-sized businesses, corporate clients and high-net-worth individuals. Emphasizing digital efficiency, Axos Financial integrates automation and data analytics to streamline origination, underwriting and portfolio management processes.

Axos Financial serves clients nationwide, with a strategic focus on digital reach rather than physical branch networks. The company is led by Gregory Garrabrants, who has served as President and Chief Executive Officer since its inception. Under his leadership, Axos Financial has pursued growth through technology investments, product innovation and selective acquisitions to enhance its digital banking ecosystem.

Key Stats

• Today's Range: $87.75 to $88.83
• 50-Day Range: $83.30 to $92.50
• 52-Week Range: $54.46 to $93.84
• Volume: 29,561 shs
• Average Volume: 384,655 shs
• Market Capitalization: $5.00 billion
• P/E Ratio: 11.82
• Dividend Yield: N/A
• Price Target: $95.33
• Consensus Rating: Moderate Buy

AXOS FINANCIAL Stock Analysis - MarketRank™

AXOS FINANCIAL scored higher than 50% of companies evaluated by MarketBeat, and ranked 685th out of 934 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.8 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

AXOS FINANCIAL has received a consensus rating of Moderate Buy. The company's average rating score is 2.83, and is based on 5 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for AXOS FINANCIAL is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

AXOS FINANCIAL has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.88%

Earnings Growth

Earnings for AXOS FINANCIAL are expected to grow by 3.88% in the coming year, from $7.22 to $7.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of AXOS FINANCIAL is 11.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 281.59.

Price to Earnings Ratio vs. Sector

The P/E ratio of AXOS FINANCIAL is 11.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 240.92.

Price to Book Value per Share Ratio

AXOS FINANCIAL has a P/B Ratio of 1.86. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.05% of the float of AXOS FINANCIAL has been sold short.

Short Interest Ratio / Days to Cover

AXOS FINANCIAL has a short interest ratio ("days to cover") of 6.1.

Change versus previous month

Short interest in AXOS FINANCIAL has recently decreased by 0.45%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

AXOS FINANCIAL does not currently pay a dividend.

Dividend Growth

AXOS FINANCIAL does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

4.05% of the float of AXOS FINANCIAL has been sold short.

Short Interest Ratio / Days to Cover

AXOS FINANCIAL has a short interest ratio ("days to cover") of 6.1.

Change versus previous month

Short interest in AXOS FINANCIAL has recently decreased by 0.45%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.4 / 5
• News Sentiment: 0.49

News Sentiment

AXOS FINANCIAL has a news sentiment score of 0.49. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for AXOS FINANCIAL this week, compared to 8 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, AXOS FINANCIAL insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,255,003.00 in company stock.

Percentage Held by Insiders

Only 5.07% of the stock of AXOS FINANCIAL is held by insiders.

Percentage Held by Institutions

83.79% of the stock of AXOS FINANCIAL is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

AX Stock Analysis - Frequently Asked Questions

How have AX shares performed this year?

AXOS FINANCIAL's stock was trading at $69.85 at the start of the year. Since then, AX stock has increased by 26.3% and is now trading at $88.2470.

How were AXOS FINANCIAL's earnings last quarter?

AXOS FINANCIAL, INC (NYSE:AX) announced its quarterly earnings data on Wednesday, July, 30th. The company reported $1.94 EPS for the quarter, topping the consensus estimate of $1.82 by $0.12. The firm's revenue was up 10.5% on a year-over-year basis.
Read the conference call transcript.

How will AXOS FINANCIAL's stock buyback program work?

AXOS FINANCIAL's board approved a share repurchase program on Monday, May 12th 2025, which permits the company to buy back $100,000,000 in shares, according to EventVestor. This means that the company could reacquire up to 2.5% of its stock through open market purchases. Stock buyback programs are often an indication that the company's board of directors believes its shares are undervalued.

Who are AXOS FINANCIAL's major shareholders?

AXOS FINANCIAL's top institutional shareholders include State Street Corp (4.71%), American Century Companies Inc. (4.22%), Geode Capital Management LLC (2.70%) and Wasatch Advisors LP (1.61%). Insiders that own company stock include Gregory Garrabrants, Paul Grinberg, Mosich Nick, Andrew J Micheletti, Edward James Ratinoff, Ron Pitters, Sara Wardell-Smith and Candace L Thiele.
View institutional ownership trends.

How do I buy shares of AXOS FINANCIAL?

Shares of AX stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of AXOS FINANCIAL own?

Based on aggregate information from My MarketBeat watchlists, some other companies that AXOS FINANCIAL investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), Arista Networks (ANET), Adobe (ADBE) and ServiceNow (NOW).

Company Calendar

• Last Earnings: 7/30/2025
• Today: 9/23/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 6/30/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NYSE:AX
• CIK: 1299709
• Web: axosfinancial.com
• Phone: (858) 649-2218
• Fax: 858-350-0443
• Employees: 1,989
• Year Founded: 2000

Price Target and Rating

• Average Price Target for AXOS FINANCIAL: $91.57
• High Price Target: $102.00
• Low Price Target: $75.00
• Potential Upside/Downside: +3.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.71
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.46
• Trailing P/E Ratio: 11.83
• Forward P/E Ratio: 12.22
• P/E Growth: N/A
• Net Income: $432.91 million
• Net Margins: 22.24%
• Pretax Margin: 31.51%
• Return on Equity: 17.11%
• Return on Assets: 1.82%

Debt

• Debt-to-Equity Ratio: 0.17
• Current Ratio: 1.09
• Quick Ratio: 1.09

Sales & Book Value

• Annual Sales: $1.95 billion
• Price / Sales: 2.56
• Cash Flow: $6.37 per share
• Price / Cash Flow: 13.86
• Book Value: $47.55 per share
• Price / Book: 1.86

Miscellaneous

• Outstanding Shares: 56,490,000
• Free Float: 53,622,000
• Market Cap: $4.99 billion
• Optionable: Optionable
• Beta: 1.32