Axos Financial (AX) Stock Price
Axos Financial Price
Over the last 19 years Axos Financial grew revenue by 22.6% annually, reaching 2.19 B USD. Earnings per share have grown at 27.1% per year over the last 19 years. For Axos Financial, the net margin of 22.4% is down versus 31.8% a few years ago. The consensus 12-month price target for Axos Financial is 112.20 USD, about 18.5% above where the stock trades today. Of 13 analysts, 11 rate the stock a buy — an overall Buy consensus. The stock trades about 25% above its 52-week low.
Axos Financial stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Axos Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Axos Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Axos Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Axos Financial Price |
|---|---|
| 9/2/2026 | 94.68 USD |
| 9/1/2026 | 96.79 USD |
| 8/31/2026 | 96.58 USD |
| 8/29/2026 | 97.66 USD |
| 8/28/2026 | 98.19 USD |
| 8/27/2026 | 98.08 USD |
| 8/26/2026 | 98.82 USD |
| 8/25/2026 | 96.81 USD |
| 8/22/2026 | 96.66 USD |
| 8/21/2026 | 95.96 USD |
| 8/20/2026 | 97.21 USD |
| 8/19/2026 | 98.34 USD |
| 8/15/2026 | 102.16 USD |
| 8/14/2026 | 100.81 USD |
| 8/13/2026 | 100.13 USD |
| 8/12/2026 | 100.16 USD |
| 8/11/2026 | 99.18 USD |
| 8/8/2026 | 100.04 USD |
| 8/7/2026 | 101.88 USD |
| 8/6/2026 | 103.82 USD |
| 8/5/2026 | 105.25 USD |
| 8/4/2026 | 103.66 USD |
| 8/1/2026 | 101.41 USD |
| 7/31/2026 | 98.48 USD |
| 7/30/2026 | 98.26 USD |
| 7/28/2026 | 96.43 USD |
| 7/24/2026 | 95.22 USD |
| 7/23/2026 | 97.11 USD |
| 7/22/2026 | 97.42 USD |
| 7/21/2026 | 97.59 USD |
Axos Financial Revenue, Net Income
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Axos Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEB USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| SHARESM |
| 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.16 | 0.20 | 0.27 | 0.38 | 0.46 | 0.55 | 0.64 | 0.72 | 0.71 | 0.76 | 1.26 | 1.77 | 1.93 | 2.19 | 1.62 | 1.80 |
| 23.48 | 19.63 | 40.51 | 40.15 | 18.49 | 20.00 | 17.95 | 11.34 | -0.84 | 6.47 | 66.97 | 39.79 | 9.17 | 13.53 | -26.03 | 10.93 |
| 74.23 | 78.97 | 79.56 | 82.55 | 81.32 | 75.64 | 71.58 | 73.92 | 85.65 | 89.96 | 68.43 | 58.86 | 61.48 | 62.97 | 62.97 | 62.97 |
| 0.12 | 0.15 | 0.22 | 0.32 | 0.37 | 0.41 | 0.46 | 0.53 | 0.61 | 0.68 | 0.87 | 1.04 | 1.19 | 1.38 | 1.02 | 1.13 |
| 40.00 | 55.00 | 82.00 | 119.00 | 134.00 | 152.00 | 155.00 | 183.00 | 215.00 | 240.00 | 307.00 | 450.00 | 432.00 | 490.00 | 547.00 | 612.00 |
| 37.93 | 37.50 | 49.09 | 45.12 | 12.61 | 13.43 | 1.97 | 18.06 | 17.49 | 11.63 | 27.92 | 46.58 | -4.00 | 13.43 | 11.63 | 11.88 |
| 57.40 | 61.05 | 64.43 | 64.86 | 64.16 | 62.68 | 61.94 | 60.04 | 60.76 | 60.51 | 57.93 | 58.23 | 58.24 | 57.74 | 57.74 | 57.74 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Axos Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Axos Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Axos Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Axos Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Axos Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Axos Financial stock margins
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Axos Financial Revenue per Share, Earnings per Share
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Axos Financial business model & stock analysis
Axos Financial SWOT Analysis
Strengths
Axos Financial Inc operates as an online financial services provider, allowing for cost-efficient operations and greater convenience for customers.
The company has a diversified revenue stream with various business segments, including commercial banking, consumer banking, and mortgage banking.
Axos Financial Inc has a strong focus on technology and innovation, allowing it to provide cutting-edge financial services and stay competitive in the market.
Weaknesses
Being an online-only financial institution, Axos Financial Inc may face challenges in establishing a personal connection with customers and building trust compared to traditional brick-and-mortar banks.
The company's online presence also exposes it to the risk of cybersecurity threats and potential data breaches, which could harm its reputation and lead to financial losses.
Opportunities
The increasing adoption of digital banking provides Axos Financial Inc with opportunities to expand its customer base and gain market share.
As more individuals and businesses embrace online financial services, Axos Financial Inc can offer tailored solutions to meet their evolving needs, thereby increasing its revenue potential.
Threats
Intense competition from both traditional banks and other online financial institutions poses a threat to Axos Financial Inc's market position.
Changes in regulations and the overall economic environment may impact the company's financial operations and hinder its growth prospects.
Axos Financial Employees
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Axos Financial Segments
Axos Financial Revenue by Segment (1/2)
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Axos Financial Revenue by Segment (2/2)
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Axos Financial Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Axos Financial historical P/E ratio, EBIT multiple, and P/S ratio
Axos Financial annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Axos Financial shares outstanding
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Axos Financial stock splits
Current Axos Financial forecasts and price targets in September 2026
Analyst Price Targets 2026Axos Financial Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 8/13/2026 | Maintained | Buy | 72 | |
| 7/31/2026 | Maintained | Buy | 70 | |
| 7/31/2026 | Maintained | Market Perform | 53 | |
| 4/7/2026 | Upgrade | OutperformStrong Buy | 65 | |
| 3/16/2026 | Maintained | Buy | 70 | |
| 2/13/2026 | Maintained | Buy | 70 | |
| 1/30/2026 | Maintained | Buy | 70 | |
| 1/30/2026 | Maintained | Market Perform | 53 | |
| 1/30/2026 | Maintained | Buy | 56 | |
| 1/30/2026 | Maintained | Buy | 55 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
Axos Financial Earnings Calls
Axos Financial Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 7/30/2026 | 2.25USD | - | 386.37 MUSD | - | 2026 Q4 |
| 4/30/2026 | 2.18USD | - | 380.40 MUSD | - | 2026 Q3 |
| 1/29/2026 | 2.15USD | - | 356.20 MUSD | - | 2026 Q2 |
| 4/25/2024 | 1.41USD | - | 255.14 MUSD | - | 2024 Q3 |
| 1/24/2024 | 1.45USD | - | 256.38 MUSD | - | 2024 Q2 |
| 8/2/2023 | 1.25USD | - | 224.61 MUSD | - | 2023 Q4 |
| 4/26/2023 | 1.24USD | - | 220.64 MUSD | - | 2023 Q3 |
| 1/25/2023 | 1.27USD | - | 220.92 MUSD | - | 2023 Q2 |
| 10/27/2022 | 1.16USD | - | 200.59 MUSD | - | 2023 Q1 |
| 8/4/2022 | 1.02USD | - | 182.03 MUSD | - | 2022 Q4 |
EESG©
Eulerpool ESG Scorecard© for the Axos Financial stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Axos Financial shareholder structure
| % | Name |
|---|---|
14.68119% | |
5.45303% | |
4.96947% | |
4.42909% | |
4.32970% | |
4.30077% |
Axos Financial Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
14.70% | SEC ↗ | |
9.87% | SEC ↗ | |
9.82% | SEC ↗ | |
9.60% | SEC ↗ | |
9.60% | SEC ↗ | |
8.53% | SEC ↗ | |
8.10% | SEC ↗ | |
7.90% | SEC ↗ | |
7.41% | SEC ↗ | |
7.41% | SEC ↗ |
Axos Financial Executives and Management Board
22 members · avg. age 57 · 14 % women
Mr. Gregory Garrabrants (53)
President, Chief Executive Officer, Director · since 2007
11.69 M USD
Management
Mr. David Park (42)
President - Head of Commercial Bank
Mr. Andrew Micheletti (68)
Executive Vice President - Finance · since 2021
Mr. Brian Swanson (45)
President - Head of Consumer Bank
Mr. John Tolla (48)
Executive Vice President, Chief Risk Officer
Mr. Raymond Matsumoto (70)
Chief Operating Officer, Executive Vice President
Mr. Derrick Walsh (43)
Chief Financial Officer, Executive Vice President
Board of Directors
Mr. Paul Grinberg (64)
Independent Chairman of the Board
Mr. Nicholas Mosich (70)
Independent Vice Chairman of the Board
Mr. James Court (63)
Independent Director
Mr. James Argalas (54)
Independent Director
Ms. Tamara Bohlig (56)
Independent Director
Ms. Stefani Carter (47)
Independent Director
Axos Financial Supply Chain
Axos Financial Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.87 | 0.66 | 0.86 | ||
| 2 | 0.92 | 0.40 | 0.68 |
Frequently asked questions about Axos Financial
The business model of Axos Financial Inc. is centered around providing digital banking solutions and services. As an online-focused bank, Axos offers a spectrum of innovative financial products for personal and business banking needs. By leveraging technology, Axos aims to offer convenient and accessible banking services to its customers, including checking and savings accounts, mortgages, consumer and business loans, cash management services, and more. With a customer-centric approach and emphasis on digital capabilities, Axos Financial Inc. strives to deliver efficient, secure, and user-friendly banking experiences for individuals and businesses alike.
Axos Financial Inc is primarily active in the financial services industry.
The main competitors of Axos Financial Inc in the market include Ally Financial Inc, Discover Financial Services, and Green Dot Corporation.
Axos Financial Inc, formerly known as BofI Holding, Inc., is a diversified financial services company. Founded in 1999, Axos has rapidly grown to become one of the largest online banks in the United States. Headquartered in San Diego, California, Axos offers a wide range of banking products and services, including consumer and business banking, lending, and investment and wealth management. The company has established itself as a pioneer in digital banking, providing innovative and convenient solutions to its customers. With a strong commitment to technology and innovation, Axos Financial Inc continues to shape the future of banking.
Since its establishment, Axos Financial Inc has achieved significant milestones. The company successfully transitioned into a fully digital bank, providing customers with efficient and convenient banking services. Axos Financial Inc also obtained the status of being one of the most profitable online banks in the US, demonstrating its strong financial performance. Additionally, the company experienced substantial growth, expanding its customer base and increasing its market presence. Axos Financial Inc's dedication to innovation and customer-centric approach contributed to its success, making it a prominent player in the financial industry.
Axos Financial Inc is primarily present in the United States.
Axos Financial Inc represents a set of core values and a corporate philosophy focused on trust, innovation, and excellence. As an online financial services provider, Axos strives to deliver superior banking solutions through cutting-edge technology, advanced security measures, and personalized customer experiences. With a commitment to efficiency, transparency, and integrity, Axos aims to empower individuals and businesses by offering a wide range of reliable financial products and services. By putting clients at the forefront, Axos Financial Inc continuously works towards providing convenient and seamless banking solutions designed to meet the ever-evolving needs of its customers.
Analysts currently set an average price target of 112.61 USD for the Axos Financial stock (median: 112.20 USD), implying +16.0 % versus the latest price. The consensus is based on 13 analyst ratings.
13 analysts currently rate the Axos Financial stock: 11 recommend buying, 2 holding and 0 selling.
Converted at the current exchange rate, the Axos Financial share trades at 81.53 EUR (94.68 USD).
The Axos Financial share (AX) is listed on 3 stock exchanges, including: NYSE (AX), Frankfurt (BB4.F), München (BB4.MU).
Axos Financial Inc. is one of the leading companies in the field of digital banking services. It was founded in 2000 as an online bank under the name Bank of Internet USA. Since 2018, the company has been operating under the name Axos Bank and offers a wide range of banking products and services to its customers, including checking accounts, credit cards, savings and investment products, as well as financing and loans. The company excels in the area of residential and commercial real estate financing, where Axos Bank has been operating successfully for many years. Here, the company offers its customers tailor-made financing options for both the purchase of homes and the purchase and operation of commercial properties. In addition to banking, Axos Financial Inc. is also involved in asset management. For this purpose, the company has established the subsidiary Axos Invest, which specializes in asset management and investment advice. Through its own platform, customers can easily and conveniently invest in various asset classes and benefit from the experience of the expert team. Axos Financial is also successful in the field of clearing services with Axos Clearing. This includes clearing and settlement services, risk management, and back-office support for companies and asset managers. Overall, Axos Financial Inc.'s business model is characterized by a consistent digitization. By forgoing a dense branch network and focusing on mobile and online-based banking services, the company can offer competitive conditions and achieve high customer satisfaction. The offering is complemented by innovative product concepts such as Banking-as-a-Service (BaaS). In this model, partner companies can use Axos' infrastructure and services to quickly and tailoredly bring their own banking products to the market. In summary, Axos Financial Inc. offers an innovative and diverse business model in the banking services sector. Through its focus on digitization and innovative products, the company has achieved solid growth in recent years and has established itself as one of the players in the market.
The revenue of Axos Financial is 2.19 B USD. This figure is based on current financial data and reflects the company's business performance.
The profit of Axos Financial is 490.37 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Axos Financial is currently 11.15. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Axos Financial stock.
The price-to-sales ratio (P/S) of Axos Financial is currently 2.50. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Axos Financial stock.
The Eulerpool Quality Score for Axos Financial is 7/10.
The ISIN of Axos Financial is US05465C1009. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Axos Financial is A2N5Y2. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Axos Financial is AX. The ticker symbol is used to trade Axos Financial shares on the stock exchange.
Axos Financial paid dividends every year for the past 0 years.
Axos Financial is assigned to the 'Finance' sector.
The dividends of Axos Financial are distributed in USD.
Axos Financial stock
Axos Financial Peer Group
Axos Financial Ticker
Axos Financial FIGI
All fundamentals and in-depth analysis of Axos Financial
Our stock analysis for Axos Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Axos Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.