profit from every $100 of sales.
$0$100
Axos Financial
$93.92+1.35% today
+16.0% in 1 year
1-year low $75.601-year high $105.10
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.31 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Axos Financial sold, what it kept, and what it did with the cash.
Sales went from $705 million in 2022 to $1.24 billion in 2025, with $433 million of profit last year.
SalesProfit
Axos Financial handed back 13% of the cash it generated last year.
Buybacks $58M
Free cash flow 2025$436M
Bought back its own shares$58M
Paid as dividends–
Cash vs. debt$1.9B vs. $373M
Axos Financial vs. similar companies
Axos Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Axos Financial | 12.3× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads Axos Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 705 | 890 | 1,073 | 1,242 | |
| – | – | – | – | |
| – | – | – | – | |
| 417 | 829 | 1,357 | 1,330 | |
| 241 | 307 | 450 | 433 | |
| 3.97 | 5.07 | 7.66 | 7.43 | |
| – | – | – | – | |
| – | – | – | – | |
| 34.1% | 34.5% | 41.9% | 34.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 17,401 | 20,348 | 22,855 | 24,783 |
| Cash | 1,203 | 2,233 | 1,980 | 1,934 |
| Total debt | 563 | 452 | 416 | 373 |
| Total liabilities | 15,758 | 18,431 | 20,565 | 22,102 |
| 1,643 | 1,917 | 2,291 | 2,681 | |
| 61 | 61 | 59 | 58 | |
| 14.1% | 26.9% | 38.8% | 33.7% | |
| 14.7% | 16.0% | 19.6% | 16.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 217 | 197 | 305 | 490 | |
| 22 | 30 | 36 | 54 | |
| 195 | 166 | 270 | 436 | |
| Dividends paid | 0 | 0 | – | – |
| 0 | 49 | 96 | 58 | |
| 21 | 26 | 35 | 42 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.3×
- 11.0×
- 0.53
- 1.7×
- 4.3×
- 8.1%
- 0.0%
Profitability
- 34.9%
- 7.3%
- 13.1%
- 16.6%
- 1.6%
Growth
- +20.7%
- +23.2%
- –
- −1.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 34%of 843
Top 30%of 730
Top 40%of 866
Top 23%of 862
Top 35%of 921
What analysts expect
- Average price target
- $111.00
- Range
- $110.00 – $112.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 30, 2026 | 1.90 | 2.13 | −10.8% |
| Jan 29, 2026 | 2.25 | 2.07 | +8.7% |
| Oct 30, 2025 | 2.07 | 1.86 | +11.3% |
| Jul 30, 2025 | 1.94 | 1.82 | +6.6% |
| Apr 30, 2025 | 1.81 | 1.74 | +4.0% |
| Jan 28, 2025 | 1.82 | 1.75 | +4.0% |
| Oct 30, 2024 | 1.93 | 1.78 | +8.4% |
| Jul 30, 2024 | 1.80 | 1.81 | −0.6% |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
64Pass
Benjamin Graham
66Pass
Philip Fisher
84Pass
Peter Lynch
89Pass
Joel Greenblatt
53No pass
Charlie Munger
58No pass
Terry Smith
46No pass
Questions about Axos Financial
Is Axos Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Axos Financial AI analysis
What does Axos Financial do?
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. It is in Banks - Regional, based in Las Vegas, NV, United States, with 1,989 employees.
Does Axos Financial pay a dividend?
No. Axos Financial does not pay a dividend at the moment; in 2025 it returned $58.2 million to shareholders by buying back its own shares.
Is Axos Financial stock halal?
No. Axos Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Axos Financial stock done over the past year?
Up 16.0% over the past twelve months, to $93.92. It traded between $75.60 and $105.10 and is 10.6% below its high.
Who are Axos Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Axos Financial's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.