# Axos Financial Inc. (AX) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $97.95, market value $5.6 billion.

## Valuation
- **P/E (trailing): 11.6×** (5-yr avg 9.2×, 3-yr avg 9.7×). Axos Financial Inc. trades at 11.6× trailing earnings, well above its own five-year average of 9.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.64**. A PEG of 0.64 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 68.4×**. Each dollar of revenue is priced at 68.4×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.8×**. The shares trade at 1.8× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 5.2%** (5-yr avg 8.0%). Free cash flow equals 5.2% of the market value, below its five-year average of 8.0%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.7%**. The inverse of the P/E: 8.7% of the price is earned each year.

## Profitability
- **Return on equity: 15.5%**. 15.5% on shareholders' equity is solid.
- **Return on assets: 1.6%**. Each dollar of assets produces 1.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 23.5%** (3-yr 7.6%/yr, 5-yr 21.0%/yr). Revenue grew 23.5% over the last year, against 21.0% a year compounded over five years.
- **EPS growth (1 yr): 14.1%** (3-yr 18.7%/yr, 5-yr 19.0%/yr). Earnings per share rose 14.1%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 20.5%/yr**. Free cash flow has compounded at 20.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $1.1 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Axos Financial Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: strong_buy** (7 analysts). 7 analysts cover Axos Financial Inc.; the consensus is strong_buy, with an average price target of $119.14 (+22% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 6.3%** (YTD 13.7%, 3-mo 11.5%). The shares are up 6.3% over twelve months including dividends.
- **From 52-week high: -7.4%** (30.8% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.97** (volatility 32%). Beta of 0.97 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=AX · Page: https://foliofundamentals.com/stocks/ax

Not investment advice.