Axos Financial, Inc.

Axos Financial, Inc.

AXยทNYSE

$84.62

-2.0%
Financial ServicesBanks - Regional

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through Banking Business and Securities Business segments. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text messaging banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. 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.

At a Glance

Live Snapshot
Market Cap$4.81B
EPS7.6100
P/E Ratio11.12
Earnings Date07/29/2026
Axos Financial, Inc.

Axos Financial, Inc. Fair Value Envelope

AX ยท NYSE

Our analysis suggests that AX has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $84.62, this represents a potential HIDDEN relative to our calculated worth for Axos Financial, Inc..

Intrinsic Value
Current Price: $84.62

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$545.5B
+ Cash & Equivalents$1.9B
Firm Value$547.4B
- Debt$372.7M
Equity Value$547.0B
/ Shares Outstanding56,644,002B
DCF Value$9.7K
UNDERVALUED BY 11313%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$793.4M
$1.3B
$2.1B
$3.4B
$5.4B
$8.8B
$14.2B
$23.0B
$37.3B
$60.4B
Maintenance CapEx
-$17.5M
-$28.4M
-$45.9M
-$74.3M
-$120.3M
-$194.6M
-$315.0M
-$509.7M
-$824.7M
-$1.3B
Owner Earnings
$775.9M
$1.3B
$2.0B
$3.3B
$5.3B
$8.6B
$13.9B
$22.5B
$36.5B
$59.0B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$718.4M
$1.1B
$1.6B
$2.4B
$3.6B
$5.4B
$8.1B
$12.2B
$18.2B
$27.3B
Terminal Value represents 85.2% of Enterprise Value