Is Axos Financial (AX) overvalued or fairly valued?

MarketChacha shows Axos Financial's valuation in context — a trailing P/E of about 11.9, a forward P/E of about 10.1, a price-to-book of about 1.8 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Axos Financial's reported profit turn into cash?

Over 3 years, about 83% of reported profit turned into operating cash — most of it, but worth reading alongside the cash-flow statement. MarketChacha computes this cash-conversion check (0.83×) from reported figures — education, not a rating.

What is Axos Financial's revenue?

Axos Financial reported revenue of $65.8M for FY2025, with net profit of $432.9M, per official filings.

What is the share price of Axos Financial (AX)?

Axos Financial last traded at $96.72 (-0.7% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Axos Financial

AX · NYSE · Financials · United States

$96.72-0.7%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:27 PM

Snapshot

TickerAX

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,989

HeadquartersLas Vegas, United States

Market cap$5.5B

P/E (TTM)11.9

P/B1.8

Volume112.57K

Websiteinvestors.axosfinancial.com

Filings tracked8

About Axos Financial

Axos Financial, Inc., together with its subsidiaries, operates as a consumer and business banking provider in the United States. The company operates through two segments, Banking Business and Securities Business. It offers deposits products, including consumer and business checking, savings, time deposit, and commercial and deposits. The company also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured, commercial and industrial non-real estate, and auto and consumer loans. In addition, it offers a range of investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, as well as margin loans and securities lending services. 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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders4.6%
Institutions87.1%
Public & other8.3%

504 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.14.63%
Vanguard Portfolio Management LLC5.43%
State Street Corporation4.95%
American Century Companies Inc4.41%
Vanguard Capital Management LLC4.31%
FMR, LLC4.29%
Dimensional Fund Advisors LP3.83%
Geode Capital Management, LLC3.44%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

Over 3 years, about 83% of reported profit turned into operating cash — most of it, but worth reading alongside the cash-flow statement.

Cash conversion0.83×

Over 3 years, about 83% of reported profit turned into operating cash — most of it, but worth reading alongside the cash-flow statement.

Net margin trend470.7% → 658.0%

Margin has expanded by about 187.4 points — the business is getting more profitable.

Return on equity16.1%

Latest ROE of 16.1% — capital is generating a healthy return.

Growth qualityrev 0% · PAT 19%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $389.6M · EPS 2.28

Est. earnings growth +10.2%

Next fiscal year

Rev $1.6B · EPS 9.61

Est. earnings growth +15.6%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$74.8952-wk range$102.18

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$5.5B

Day change

-0.7%

P/E (TTM)

11.9

Fwd P/E

10.1

P/B

1.8

Beta

1.23

Revenue (FY2025)

$65.8M

Net margin

658.0%

ROE

16.1%

Revenue CAGR (2y)

+0.4%

Profit CAGR (2y)

+18.7%

EPS (FY2025)

7.43

Net profit (FY2025)

$432.9M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about AX

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$65.8M	$432.9M	7.43	658.0%	16.1%
FY2024	$64.6M	$450.0M	7.66	696.2%	19.6%
FY2023	$65.3M	$307.2M	5.07	470.7%	16.0%

Quarterly

Period	Net profit	EPS
2026Q1	$124.7M	2.15
2025Q4	$128.4M	2.22
2025Q3	$112.4M	1.94
2025Q1	$105.2M	1.81
2024Q4	$104.7M	1.80
2024Q3	$112.3M	1.93
2024Q1	$110.7M	1.91
2023Q4	$151.8M	2.62
2023Q3	$82.6M	1.38
2023Q1	$79.8M	1.32

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Other events, Exhibits
SEC7/7/2026material
8-K — Other events, Exhibits
SEC6/9/2026material
8-K — Completion of acquisition/disposition, Exhibits
SEC5/4/2026material
8-K — Reg FD disclosure, Exhibits
SEC5/4/2026material
8-K — Results of operations, Exhibits
SEC4/30/2026material
10-Q filing
SEC4/30/2026
8-K — Material agreement, Exhibits
SEC4/23/2026material
8-K — Other events, Exhibits
SEC3/23/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.