Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
AX
HoldFallen FavouriteAxos Financial, Inc. · Financial Services · United States · $5.6B · Avg Vol: $28M/d
COMPANY DESCRIPTION
Axos Financial, Inc. is an online-only bank holding company offering a full range of banking products and services, including consumer and commercial deposits, loans, and wealth management, primarily through its Axos Bank subsidiary. It operates as a branchless, technology-first bank, benefiting from a lower cost structure, scalable digital platform, and a focus on niche lending segments. Axos is a pioneer in digital banking, leveraging technology to deliver efficient services and expand its customer base.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 705.3M | 890.2M | 1.1B | 1.2B | 20.7% | 1.4B | 1.4B | 1.5B | 6.7% |
| EPS | 4.04 | 5.15 | 7.82 | 7.61 | 23.5% | 8.48 | 8.41 | 9.40 | 7.3% |
| Shares | 59.8M | 58.9M | 56.9M | 56.5M | -5.5% | 56.7M | — | — | — |
| Debt | 562.7M | 451.8M | 415.7M | 372.7M | -12.8% | 1.4B | — | — | — |
| Equity | 1.6B | 1.9B | 2.3B | 2.7B | 17.7% | — | — | — | — |
| Op CF | 216.6M | 196.7M | 305.5M | 490.3M | 31.3% | 542.4M | — | — | — |
| Inv CF | -2.8B | -2.4B | -2.6B | -1.8B | — | — | — | — | — |
| Fin CF | 3.1B | 3.0B | 2.1B | 1.3B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AX are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| AX | Axos Financial, Inc.(you) | $5.6B | 65 | Hold |
| AUB | Atlantic Union Bankshares Corporation | $5.8B | 66 | Buy |
| UBSI | United Bankshares, Inc. | $6.5B | 65 | Buy |
| HWC | Hancock Whitney Corporation | $6.0B | 62 | Hold |
| HOMB | Home BancShares, Inc. | $5.9B | 61 | Hold |
| OZK | Bank OZK | $5.4B | 69 | Buy |
| FNB | F.N.B. Corporation | $6.6B | 62 | Hold |
| FULT | Fulton Financial Corporation | $4.5B | 67 | Buy |
| WSFS | WSFS Financial Corporation | $4.0B | 64 | Hold |
| CVBF | CVB Financial Corp. | $3.9B | 63 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%