Axos Financial Inc

Axos Financial Inc

AX · NYSE · Financial Services / Banks - Regional

91.17USD-0.12 (-0.13%)

Price History

Full chart

Market Stats

Previous Close91.29
Open92.00
Day Range90.35 – 92.08
52-Week Range74.89 – 105.74
Volume198.10K
Market Cap5.02B
P/E (TTM)10.44
Forward P/E9.55
EPS8.48
Dividend Yield0.00%
Beta1.22
50-Day Avg96.90
200-Day Avg92.23

About

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business. The company offers various deposits products, including consumer and business checking, savings, and time deposits; and demand accounts, and money market accounts. It also provides residential single family, multifamily, and commercial mortgage loans; loans secured by commercial real estate properties; loans secured by commercial assets and non-bank lenders; auto and unsecured loans and other loans; and lender finance loans, asset-based loans, capital call facilities, equipment lending and leasing, retail and floor plan marine loans, and other consumer loans. In addition, the company offers a range of investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, and securities clearing and custody, as well as margin loans and securities lending services; and retail self-directed and digital advice services. It offers it services through its digital online and mobile banking platforms, distribution channels, and affinity partners. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Gregory Garrabrants C.F.A., J.D.
  • Employees2.19K
  • Headquarters9205 West Russell Road, Las Vegas, NV, United States, 89148, USA
  • Websitehttps://www.axosfinancial.com

Leadership

  • Mr. Gregory Garrabrants C.F.A., J.D.President, CEO & Director · b. 1972
  • Mr. John Charles TollaExecutive VP, Chief Governance, Risk & Compliance Officer · b. 1977
  • Ms. Ann GillSenior VP & Chief Accounting Officer

Financials

Income Statement

Currency: USD2001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue362.00K492.00K14.86M16.96M23.39M34.05M45.77M65.68M72.55M93.89M100.93M132.10M163.36M195.33M274.95M384.05M455.42M546.01M644.82M717.62M711.97M757.91M1.26B1.77B1.93B2.19B
Growth (%)-+35.91%+2920.93%+14.12%+37.88%+45.61%+34.39%+43.51%+10.45%+29.42%+7.50%+30.89%+23.66%+19.57%+40.76%+39.68%+18.58%+19.89%+18.10%+11.29%-0.79%+6.45%+66.80%+39.82%+9.16%+13.53%
Cost of Revenue3.85M8.34M8.71M9.50M13.88M22.82M33.71M47.51M46.15M40.73M40.22M44.61M41.58M41.13M56.62M66.40M85.12M132.38M183.63M187.43M102.87M76.32M398.27M726.68M743.44M811.15M
Gross Profit362.00K492.00K6.15M7.46M9.51M11.24M12.05M18.17M26.40M53.16M60.71M87.50M121.79M154.20M218.34M317.65M370.30M413.63M461.19M530.19M609.10M681.59M865.93M1.04B1.19B1.38B
Gross Margin100.00%100.00%41.39%44.01%40.64%33.00%26.34%27.67%36.39%56.62%60.15%66.23%74.55%78.94%79.41%82.71%81.31%75.76%71.52%73.88%85.55%89.93%68.50%58.89%61.47%62.97%
Operating Expense-2.09M-9.10M3.16M3.82M4.75M5.79M6.45M11.16M14.35M17.28M26.53M37.96M53.59M59.93M77.48M112.76M137.60M173.94M248.38M267.56M303.36M341.63M434.18M405.45M572.63M732.72M
Operating Income2.45M9.59M2.99M3.65M4.76M5.45M5.60M7.01M12.05M35.88M34.17M49.54M68.20M94.27M140.86M204.90M232.69M239.70M212.81M262.63M305.74M339.96M431.74M635.48M613.39M646.67M
Operating Margin677.35%1949.80%20.14%21.50%20.36%16.00%12.24%10.67%16.61%38.21%33.86%37.50%41.75%48.26%51.23%53.35%51.09%43.90%33.00%36.60%42.94%44.85%34.15%35.95%31.79%29.52%
EBITDA2.45M9.59M3.62M4.34M5.89M7.76M7.82M7.14M12.22M36.11M34.79M50.85M70.11M97.14M144.13M209.69M238.79M248.27M229.28M297.62M336.19M364.56M455.13M662.57M642.41M727.29M
EBITDA Margin677.35%1949.80%24.37%25.57%25.18%22.80%17.09%10.88%16.84%38.46%34.47%38.49%42.91%49.73%52.42%54.60%52.43%45.47%35.56%41.47%47.22%48.10%36.00%37.48%33.29%33.20%
Net Income-1.08M1.02M1.73M2.17M2.87M3.27M3.32M4.20M7.14M21.13M20.58M29.48M40.29M55.96M82.68M119.29M134.74M152.41M155.13M183.44M215.71M240.72M307.17M450.01M432.91M490.37M
Net Income Margin-298.90%207.32%11.64%12.82%12.27%9.59%7.25%6.39%9.84%22.50%20.39%22.31%24.66%28.65%30.07%31.06%29.59%27.91%24.06%25.56%30.30%31.76%24.30%25.46%22.44%22.39%
R&D-----------000000---------
R&D as % of Total Revenue-----------0.00%0.00%0.00%0.00%0.00%0.00%---------
Interest Expense3.54M8.14M8.43M9.24M13.51M22.76M33.74M45.28M41.42M34.95M34.42M36.55M34.03M35.78M45.42M56.70M74.06M106.58M156.28M145.23M79.12M52.57M374.02M694.18M687.69M710.04M
Interest Expense % of Total Revenue976.52%1655.28%56.69%54.49%57.77%66.83%73.72%68.94%57.09%37.23%34.11%27.66%20.83%18.32%16.52%14.76%16.26%19.52%24.24%20.24%11.11%6.94%29.59%39.27%35.64%32.41%

Balance Sheet

Currency: USD2001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets156.63M217.61M273.46M405.04M609.51M737.84M947.16M1.19B1.30B1.42B1.94B2.39B3.09B4.40B5.82B7.60B8.50B9.54B11.22B13.85B14.27B17.46B20.35B22.86B24.78B29.96B
Total Liabilities144.72M198.11M250.58M373.28M540.86M667.59M874.41M1.11B1.21B1.29B1.79B2.18B2.82B4.03B5.29B6.92B7.67B8.58B10.15B12.62B12.86B15.81B18.43B20.56B22.10B26.80B
Total Equity11.90M19.50M22.89M31.76M68.65M70.25M72.75M83.08M88.94M129.81M147.77M206.62M268.26M370.78M533.53M683.59M834.25M960.51M1.07B1.23B1.40B1.64B1.92B2.29B2.68B3.17B
Cash--14.54M11.34M15.23M17.92M13.31M6.19M3.44M5.83M5.82M20.64M196.26M155.48M222.77M486.63M628.17M622.75M511.13M1.76B715.62M1.20B2.23B1.98B1.93B1.11B
Total Debt870.00K-55.90M102.75M224.22M241.33M322.45M534.12M558.14M318.15M442.65M781.15M705.57M960.15M793.15M818.02M714.46M511.55M653.28M478.29M1.20B562.74M567.79M415.68M372.67M1.07B
Net Debt870.00K-41.35M91.41M208.99M223.41M309.13M527.93M554.70M312.32M436.83M760.52M509.31M804.67M570.38M331.39M86.29M-111.20M116.30M-1.28B-140.77M-639.84M-1.78B-1.56B-1.56B-35.04M

Cash Flow

Currency: USD2003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow-982.00K5.78M4.38M2.51M1.83M9.38M-10.16M-15.00M4.12M-56.27M15.75M21.32M116.10M166.90M198.50M167.91M204.42M266.63M412.58M216.62M187.96M305.48M490.33M557.60M
Investing Cash Flow-81.81M-116.66M-205.50M-126.50M-190.82M-270.73M-98.92M-71.92M-511.19M-329.95M-511.57M-1.32B-1.37B-1.54B-788.73M-1.03B-931.74M-1.35B-866.77M-2.78B-2.39B-2.59B-1.84B-5.04B
Financing Cash Flow54.03M129.28M200.08M125.47M203.42M237.90M101.22M96.72M497.93M412.59M662.09M1.25B1.33B1.63B747.05M837.40M961.84M2.16B-458.56M3.10B3.01B2.09B1.34B3.61B
Capital Expenditure58.00K64.00K146.00K87.00K108.00K281.00K216.00K420.00K3.15M2.57M3.91M3.16M5.12M10.24M8.76M11.82M20.08M12.33M10.44M21.50M30.21M35.96M54.21M266.45M
Free Cash Flow-1.04M5.71M4.23M2.43M1.72M9.10M-10.38M-15.42M965.00K-58.84M11.84M18.16M110.98M156.66M189.74M156.10M184.34M254.30M402.14M195.12M157.74M269.52M436.12M291.15M
Dividends Paid-140.00K405.00K360.00K312.00K312.00K594.00K611.00K309.00K969.00K1.14M309.00K309.00K309.00K309.00K309.00K232.00K386.00K103.00K0108.72M---
FCF to OCF105.91%98.89%96.66%96.54%94.09%97.01%102.13%102.80%23.45%104.57%75.15%85.16%95.59%93.87%95.59%92.96%90.18%95.37%97.47%90.07%83.92%88.23%88.94%52.21%
Dividend Paid to FCF-2.45%9.58%14.83%18.16%3.43%-5.72%-3.96%32.02%-1.65%9.61%1.70%0.28%0.20%0.16%0.20%0.13%0.15%0.03%0.00%68.92%---

Earnings

Report DateMay 9, 2005Aug 15, 2005Nov 10, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Nov 6, 2006Jan 30, 2007May 2, 2007Aug 10, 2007Nov 7, 2007Feb 5, 2008May 6, 2008Aug 19, 2008Nov 6, 2008Feb 4, 2009May 6, 2009Sep 1, 2009Nov 3, 2009Feb 4, 2010Apr 29, 2010Aug 12, 2010Nov 4, 2010Feb 3, 2011May 5, 2011Aug 11, 2011Nov 8, 2011Feb 2, 2012May 3, 2012Aug 9, 2012Nov 8, 2012Feb 6, 2013May 8, 2013Aug 7, 2013Nov 5, 2013Feb 5, 2014May 6, 2014Aug 7, 2014Nov 4, 2014Jan 29, 2015Apr 30, 2015Jul 30, 2015Oct 29, 2015Jan 28, 2016Apr 28, 2016Aug 2, 2016Oct 27, 2016Jan 30, 2017Apr 25, 2017Jul 27, 2017Oct 25, 2017Jan 30, 2018Apr 26, 2018Aug 7, 2018Oct 24, 2018Jan 29, 2019Apr 30, 2019Jul 30, 2019Oct 29, 2019Jan 29, 2020Apr 29, 2020Jul 29, 2020Oct 29, 2020Jan 28, 2021Apr 29, 2021Jul 29, 2021Oct 28, 2021Jan 27, 2022Apr 28, 2022Aug 4, 2022Oct 27, 2022Jan 26, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Jan 30, 2024Apr 30, 2024Jul 30, 2024Oct 30, 2024Jan 28, 2025Apr 29, 2025Jul 30, 2025Oct 30, 2025Jan 29, 2026Apr 30, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate0.030.030.03---0.020.020.030.030.03-----0.090.090.110.110.100.120.100.100.120.130.140.140.110.130.160.170.180.190.210.220.240.260.280.300.320.350.380.420.560.460.460.480.630.490.500.590.780.610.610.620.790.660.660.690.890.540.690.830.860.860.900.980.990.991.121.231.211.271.361.381.711.801.781.741.741.811.882.072.132.152.28
EPS Actual0.030.020.020.020.020.020.020.020.020.030.020.020.030.05-0.060.080.080.100.100.150.120.110.110.110.120.130.140.140.160.160.170.180.180.210.210.240.260.270.310.320.350.370.400.430.560.460.440.490.630.490.500.610.800.580.610.630.840.680.680.690.940.780.910.940.920.921.031.041.051.121.181.381.351.501.411.601.941.831.961.821.811.942.072.251.902.53-
Surprise0.00%-33.33%-33.33%---0.00%0.00%-33.33%0.00%-33.33%------11.11%11.11%-9.09%36.36%20.00%-8.33%10.00%10.00%0.00%0.00%0.00%0.00%45.45%23.08%6.25%5.88%0.00%10.53%0.00%9.09%8.33%3.85%10.71%6.67%9.38%5.71%5.26%2.38%0.00%0.00%-4.35%2.08%0.00%0.00%0.00%3.39%2.56%-4.92%0.00%1.61%6.33%3.03%3.03%0.00%5.62%44.44%31.88%13.25%6.98%6.98%14.44%6.12%6.06%13.13%5.36%12.20%11.57%18.11%3.68%15.94%13.45%1.67%10.11%4.60%4.02%7.18%10.11%8.70%-10.80%17.67%-
Timing------After-hoursPre-marketPre-marketPre-marketPre-market---------Pre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap5.02B
Enterprise Value5.27B
Trailing P/E10.44
Forward P/E9.55
PEG Ratio0.95
Price / Sales3.64
Price / Book1.57
EPS8.48
Book Value55.81
Revenue (TTM)1.38B
Gross Profit (TTM)1.38B
Profit Margin35.55%
Operating Margin45.03%
Return on Equity16.77%
Return on Assets1.79%
Shares Outstanding56.73M
Shares Float54.16M
Beta1.22
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 6 analystsTarget 117.71
  • Strong Buy
    3
  • Buy
    2
  • Hold
    1

Ownership Breakdown

Institutions
88.51%
Insiders
4.61%
Retail / Other
6.88%

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  • Davis Asset Management, L.P.
    1.54M2.71%
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    754.99K1.33%
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    732.08K1.29%
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    708.49K1.25%
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Top Fund Holders

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    3.46M6.10%
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    1.72M3.04%
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    1.65M2.91%
  • iShares Russell 2000 ETF
    1.36M2.40%
  • Vanguard Small Cap Index
    1.24M2.19%
  • Strategic Advisers Fidelity US TtlStk
    1.15M2.02%
  • Vanguard MStar Small Cap Value Index
    789.65K1.39%

Stock Splits

  • Nov 18, 20154:1