Axos Financial, Inc. (AX) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Founded in Las Vegas, Nevada, in 1999, Axos Financial, Inc. is a U.S.-based financial institution that delivers a comprehensive array of banking services to both individual consumers and businesses. The company operates through two primary divisions: its core Banking Business and its Securities Business.
Is Axos Financial, Inc. stock overvalued or undervalued in 2026?
Axos Financial, Inc. (AX) trades at 10.8× earnings (P/E), against a median of 13.0× across the 324 financial services companies above $2bn in Kaplio's universe. At a P/B justified by its ROTCE del 17,0 % (2.0×) $109 (+19 %); at its peers' median (1.0×) $54 (-41 %).
Kaplio overview: Axos Financial, Inc.
Market cap $5B · 52 weeks $76 – $105 (13 % below the high) · P/E 10.8× · 2027 expected P/E 9.4× · Dividend none · Next earnings October 29, 2026 · expected EPS $2.26 · Closing price, Oct 28 · accounts published Jul 30.
- Valuation: P/B 1.7× (justified).
- Business: ROTCE 17.0 % (excellent).
- Balance sheet: Capital/assets 10.6 % (solid).
- Earnings: 7 of 8 (on track).
What would it be worth at its usual multiples?
At a P/B justified by its ROTCE del 17,0 % (2.0×) $109 (+19 %); at its peers' median (1.0×) $54 (-41 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 4 of 4 pass
- ROA 1.6 %, passes.
- ROTCE 17.0 %, passes.
- Equity / Assets (Tier 1 proxy) 10.6 %, passes.
- P/B (Price / Book) 1.7×, passes.
- Sustainable dividend yield 0.0 %, info.
Against its peers (reference peers) — Axos Financial, Inc.: P/E 10.8×; P/B 1.7×; ROE 16.4 %; $5.2B. Grupo Aval Acciones y Valores S.A. (P/E 10.1×; P/B 1.0×; ROE 9.5 %; $5.5B), Bank OZK (P/E 8.5×; P/B 1.0×; ROE 10.9 %; $5.5B), Ameris Bancorp (P/E 14.9×; P/B 1.3×; ROE 9.4 %; $5.5B).
Expensive or cheap against its last ten fiscal years?
Precio / valor contable at each close: today 1.7× · median 1.9× · minimum 0.9× · maximum 3.5× · cheap below 1.7× · expensive above 2.3×. It has been cheaper than today only 32% of the time over its last ten fiscal years.
Profitability
| Return on Equity | 16.41% |
| Return on Invested Capital | 9.75% |
| Return on Assets | 1.64% |
| Gross Margin | 62.97% |
| Operating Margin | 29.52% |
| Net Margin | 22.39% |
Financial Health
| Debt / Equity | 0.34 |
| Current Ratio | 0.07 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.52 |
Price Performance
| 1 month | +6.01% |
| 3 months | -9.79% |
| Year-to-date | +6.17% |
| 1 year | +16.14% |
| 3 years | +157.47% |
| 5 years | +72.60% |
| 10 years | +391.04% |
Related companies: UBSI · HWC · OZK · FFIN · IBOC · ABCB · IFS
Explore sector: Financial Services · Banks - Regional
More sections of AX: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Weekly Radar: the S&P 500 through the Buffett and Lynch methods · Companies that pass the Buffett method today · Companies that pass the Lynch method today · Stocks that pass Graham's defensive investor test today · Investment Academy — learn to analyze stocks