Financial Services - Banks - Regional - NYSE - US
$ 80.16
-0.521 %
$ 4.58 B
Market Cap
9.76
P/E
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.[ Read More ]
The intrinsic value of one AX stock under the base case scenario is HIDDEN Compared to the current market price of 80.2 USD, Axos Financial, Inc. is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart AX
FINANCIALS
1.06 B
REVENUE
663 M
OPERATING INCOME
450 M
NET INCOME
326 M
OPERATING CASH FLOW
-2.52 B
INVESTING CASH FLOW
2 B
FINANCING CASH FLOW
484 M
REVENUE
167 M
OPERATING INCOME
112 M
NET INCOME
70.8 M
OPERATING CASH FLOW
-45.5 M
INVESTING CASH FLOW
593 M
FINANCING CASH FLOW
Balance Sheet Decomposition
Axos Financial, Inc.
| Current Assets | 4.62 B |
| Cash & Short-Term Investments | 2.12 B |
| Receivables | 0 |
| Other Current Assets | 2.5 B |
| Non-Current Assets | 20.2 B |
| Long-Term Investments | 142 M |
| PP&E | 0 |
| Other Non-Current Assets | 20.1 B |
| Current Liabilities | 0 |
| Accounts Payable | 301 M |
| Short-Term Debt | 0 |
| Other Current Liabilities | -301 M |
| Non-Current Liabilities | 13.9 B |
| Long-Term Debt | 439 M |
| Other Non-Current Liabilities | 13.4 B |
EFFICIENCY
Earnings Waterfall
Axos Financial, Inc.
| Revenue | 1.06 B |
| Cost Of Revenue | 0 |
| Gross Profit | 1.06 B |
| Operating Expenses | 1.07 B |
| Operating Income | 663 M |
| Other Expenses | 213 M |
| Net Income | 450 M |
RATIOS
100.00%
GROSS MARGIN
62.55%
OPERATING MARGIN
42.49%
NET MARGIN
19.65%
ROE
1.97%
ROA
17.53%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Axos Financial, Inc.
| Net Income | 450 M |
| Depreciation & Amortization | 27.1 M |
| Capital Expenditures | -36 M |
| Stock-Based Compensation | 35.2 M |
| Change in Working Capital | -104 M |
| Others | -95.9 M |
| Free Cash Flow | 290 M |
Wall Street Analysts Price Targets
Axos Financial, Inc.
Wall Street analysts predict an average 1-year price target for AX of $77.5 , with forecasts ranging from a low of $68 to a high of $85 .
AX Lowest Price Target
Wall Street Target
68 USD
-15.17%
AX Average Price Target
Wall Street Target
77.5 USD
-3.32%
AX Highest Price Target
Wall Street Target
85 USD
6.04%
4. DIVIDEND ANALYSIS
0.00%
DIVIDEND YIELD
0 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Axos Financial, Inc.
Sold
0-3 MONTHS
15.3 M USD 6
3-6 MONTHS
0 USD 0
6-9 MONTHS
2.3 M USD 2
9-12 MONTHS
618 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
249 K USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
1 day ago
Nov 15, 2024
|
Sell 318 K USD
|
Ratinoff Edward James
Director |
- 4002
|
79.405 USD |
|
1 day ago
Nov 15, 2024
|
Sell 408 K USD
|
Nick Mosich
Director |
- 5102
|
80 USD |
|
1 week ago
Nov 06, 2024
|
Sell 359 K USD
|
Constantine Thomas M
other: EVP, Chief Credit Officer |
- 4555
|
78.76 USD |
|
1 week ago
Nov 06, 2024
|
Sell 1.54 M USD
|
Garrabrants Gregory
President and CEO |
- 19000
|
81.2062 USD |
|
1 week ago
Nov 06, 2024
|
Sell 8.69 M USD
|
Garrabrants Gregory
President and CEO |
- 106000
|
82.0097 USD |
|
1 week ago
Nov 05, 2024
|
Sell 1.14 M USD
|
COURT JAMES JOHN
Director |
- 16887
|
67.29 USD |
|
2 months ago
Sep 09, 2024
|
Sell 328 K USD
|
Micheletti Andrew J
EVP, Finance |
- 5197
|
63.13 USD |
|
2 months ago
Sep 10, 2024
|
Sell 62.4 K USD
|
Micheletti Andrew J
EVP, Finance |
- 1000
|
62.35 USD |
|
2 months ago
Sep 10, 2024
|
Sell 2.43 M USD
|
Micheletti Andrew J
EVP, Finance |
- 39000
|
62.35 USD |
|
7 months ago
Mar 19, 2024
|
Bought 0 USD
|
TOGHRAIE JEFF
Chairman, CEO |
+ 4206750
|
0 USD |
|
8 months ago
Mar 15, 2024
|
Bought 249 K USD
|
Wardell-Smith Sara
Director |
+ 5000
|
49.75 USD |
|
8 months ago
Mar 13, 2024
|
Sell 665 K USD
|
Micheletti Andrew J
EVP, Finance |
- 13000
|
51.16 USD |
|
8 months ago
Mar 08, 2024
|
Sell 694 K USD
|
Micheletti Andrew J
EVP, Finance |
- 13332
|
52.04 USD |
|
8 months ago
Mar 11, 2024
|
Sell 699 K USD
|
Micheletti Andrew J
EVP, Finance |
- 13668
|
51.17 USD |
|
8 months ago
Feb 27, 2024
|
Sell 132 K USD
|
Micheletti Andrew J
EVP, Finance |
- 2500
|
52.89 USD |
|
9 months ago
Feb 14, 2024
|
Sell 107 K USD
|
Bohlig Tamara N
Director |
- 2000
|
53.61 USD |
|
9 months ago
Feb 06, 2024
|
Sell 79.8 K USD
|
Micheletti Andrew J
EVP, Finance |
- 1548
|
51.57 USD |
|
9 months ago
Feb 07, 2024
|
Sell 121 K USD
|
Micheletti Andrew J
EVP, Finance |
- 2452
|
49.53 USD |
|
11 months ago
Dec 14, 2023
|
Sell 270 K USD
|
Micheletti Andrew J
EVP, Finance |
- 5000
|
53.96 USD |
|
11 months ago
Dec 12, 2023
|
Sell 147 K USD
|
Ratinoff Edward James
Director |
- 3000
|
48.86 USD |
|
1 year ago
Sep 14, 2023
|
Sell 213 K USD
|
Micheletti Andrew J
EVP, Finance |
- 5000
|
42.62 USD |
|
1 year ago
Aug 04, 2023
|
Sell 2.21 M USD
|
Garrabrants Gregory
President and CEO |
- 48356
|
45.6 USD |
|
1 year ago
Aug 01, 2023
|
Sell 1.82 M USD
|
Garrabrants Gregory
President and CEO |
- 40000
|
45.53 USD |
|
1 year ago
Aug 02, 2023
|
Sell 2.82 M USD
|
Garrabrants Gregory
President and CEO |
- 62356
|
45.15 USD |
|
1 year ago
Aug 03, 2023
|
Sell 3.87 M USD
|
Garrabrants Gregory
President and CEO |
- 85312
|
45.36 USD |
|
1 year ago
Jun 13, 2023
|
Sell 248 K USD
|
Micheletti Andrew J
EVP, Finance |
- 6000
|
41.29 USD |
|
1 year ago
May 24, 2023
|
Sell 203 K USD
|
Micheletti Andrew J
EVP, Finance |
- 5000
|
40.6 USD |
|
1 year ago
Mar 13, 2023
|
Bought 97.3 K USD
|
Nick Mosich
Director |
+ 2862
|
34 USD |
|
1 year ago
Mar 10, 2023
|
Bought 49.9 K USD
|
Grinberg Paul
Director |
+ 1320
|
37.8 USD |
|
1 year ago
Feb 28, 2023
|
Sell 480 K USD
|
Micheletti Andrew J
EVP, Finance |
- 10000
|
48.02 USD |
|
1 year ago
Jan 31, 2023
|
Sell 719 K USD
|
Micheletti Andrew J
EVP, Finance |
- 15000
|
47.91 USD |
|
2 years ago
Nov 15, 2022
|
Sell 85.1 K USD
|
PITTERS RON
Director |
- 2000
|
42.54 USD |
|
2 years ago
Aug 31, 2022
|
Sell 149 K USD
|
Ratinoff Edward James
director: |
- 3668
|
40.57 USD |
|
2 years ago
Aug 31, 2022
|
Sell 183 K USD
|
Nick Mosich
director: |
- 4500
|
40.58 USD |
|
2 years ago
Aug 31, 2022
|
Sell 211 K USD
|
Grinberg Paul
director: |
- 4977
|
42.47 USD |
|
2 years ago
Aug 31, 2022
|
Sell 94.8 K USD
|
Dada Uzair
director: |
- 2334
|
40.6 USD |
|
2 years ago
Aug 31, 2022
|
Sell 125 K USD
|
COURT JAMES JOHN
director: |
- 3080
|
40.6 USD |
|
2 years ago
Aug 31, 2022
|
Sell 40.6 K USD
|
Carter Stefani D
director: |
- 1000
|
40.63 USD |
|
2 years ago
Aug 31, 2022
|
Sell 121 K USD
|
Bohlig Tamara N
director: |
- 2978
|
40.57 USD |
7. News
Axos Clearing Partners with Envestnet to Deliver Managed Account Solutions
OMAHA, Neb.--(BUSINESS WIRE)-- #bankingevolved--Axos Clearing, a subsidiary of Axos Financial Inc. (NYSE: AX) and a leading clearing firm that combines innovative technology with personalized service, today announced a strategic partnership with Envestnet, a provider of integrated technology, data intelligence, and wealth solutions. The partnership will integrate Envestnet's managed account solutions into Axos Clearing's Axos Complete portal, empowering hybrid broker-dealers (BDs) and registered investment advis.
businesswire.com
- 2 weeks ago
Axos Financial (AX) Reports Q1 Earnings: What Key Metrics Have to Say
The headline numbers for Axos Financial (AX) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
zacks.com
- 2 weeks ago
Axos Financial, Inc. (AX) Q1 2025 Earnings Call Transcript
Axos Financial, Inc. (NYSE:AX ) Q1 2025 Earnings Conference Call October 30, 2024 5:00 PM ET Company Participants Johnny Lai - Senior VP, Corporate Development and IR Gregory Garrabrants - President and CEO Derrick Walsh - EVP and CFO Conference Call Participants Kyle Peterson - Needham & Company Andrew Liesch - Piper Sandler Gary Tenner - D. A. Davidson David Feaster - Raymond James Kelly Motta – KBW Edward Hemmelgarn - Shaker Investments Operator Greetings, and welcome to the Axos Financial, Inc. First Quarter 2025 Earnings Call and Webcast [Operator Instructions] As a reminder, this conference is being recorded.
seekingalpha.com
- 2 weeks ago
Axos Financial (AX) Q1 Earnings and Revenues Beat Estimates
Axos Financial (AX) came out with quarterly earnings of $1.96 per share, beating the Zacks Consensus Estimate of $1.80 per share. This compares to earnings of $1.41 per share a year ago.
zacks.com
- 2 weeks ago
Is the Options Market Predicting a Spike in Axos Financial (AX) Stock?
Investors need to pay close attention to Axos Financial (AX) stock based on the movements in the options market lately.
zacks.com
- 2 weeks ago
2 Stocks That Crushed Short Sellers With Impressive Gains
Short sellers are market bears that seek to profit from falling stock prices. Some of the more popular short sellers will put out their research reports attempting to expose a target company by implying misconduct or fraud in order to trigger investors to sell their positions.
marketbeat.com
- 2 weeks ago
Axos Financial (AX) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
Axos Financial (AX) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
zacks.com
- 3 weeks ago
Axos Financial 'Ahead of Its Time,' Analyst Applauds Digital-First Strategy
Needham analyst Kyle Peterson initiated coverage on Axos Financial, Inc. AX with a Buy rating and a price target of $82.00.
benzinga.com
- 1 month ago
Will Axos Financial (AX) Beat Estimates Again in Its Next Earnings Report?
Axos Financial (AX) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
zacks.com
- 1 month ago
Axos Financial, Inc. to Announce First Quarter Fiscal 2025 Results on October 30, 2024
LAS VEGAS--(BUSINESS WIRE)--Axos Financial, Inc. (NYSE: AX) (“Axos” or the "Company”), holding company for Axos Bank, Axos Clearing LLC, and Axos Invest, Inc., announced today that it will host a conference call on Wednesday, October 30, 2024 at 5:00 PM ET (2:00 PM PT) to discuss financial results for the first quarter of fiscal 2025 ended September 30, 2024. Executive management will discuss the Company's first quarter fiscal 2025 results on the call. The Company plans to distribute its earnin.
businesswire.com
- 1 month ago
The Schall Law Firm Is Looking Into Axos Financial, Inc. For Possible Securities Fraud And Shareholders Are Invited To Join
LOS ANGELES, CA / ACCESSWIRE / August 22, 2024 / The Schall Law Firm, a national shareholder rights litigation firm, announces that it is investigating claims on behalf of investors of Axos Financial, Inc. ("Axos" or "the Company") (NYSE:AX) for violations of the securities laws. The investigation focuses on whether the Company issued false and/or misleading statements and/or failed to disclose information pertinent to investors.
accesswire.com
- 2 months ago
The Schall Law Firm Is Investigating Axos Financial, Inc. For Possible Securities Law Violations And Invites Shareholders To Help
LOS ANGELES, CA / ACCESSWIRE / August 20, 2024 / The Schall Law Firm, a national shareholder rights litigation firm, announces that it is investigating claims on behalf of investors of Axos Financial, Inc. ("Axos" or "the Company") (NYSE:AX) for violations of the securities laws. The investigation focuses on whether the Company issued false and/or misleading statements and/or failed to disclose information pertinent to investors.
accesswire.com
- 2 months ago
8. Profile Summary
Axos Financial, Inc. AX
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 4.58 B
Dividend Yield
0.00%
Description
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.
Contact
9205 West Russell Road, Las Vegas, NV, 89148
https://axosfinancial.com
IPO Date
March 16, 2005
Employees
1781
Officers
Mr. John Charles Tolla
Executive Vice President, Chief Governance, Risk & Compliance Officer
Mr. Andrew J. Micheletti CPA(inactive)
Executive Vice President of Finance
Mr. Derrick K. Walsh CPA
Executive Vice President & Chief Financial Officer
Ms. Ann Gill
Senior Vice President & Chief Accounting Officer
Mr. Johnny Y. Lai CFA
Senior Vice President of Corporate Development & Investor Relations
Ms. Candace L. Thiele
Executive Vice President & Chief Administrative Officer
Mr. Gregory Garrabrants C.F.A., J.D.
President, Chief Executive Officer & Director
Mr. Thomas M. Constantine
Executive Vice President & Chief Credit Officer - Axos Bank
Mr. Raymond D. Matsumoto
Executive Vice President & Chief Operating Officer - Axos Bank
Mr. David X. Park
Executive Vice President of Commercial Banking & Treasury Management - Axos Bank