Axos Financial, Inc.
Built from real-time financials, refreshed daily. For a full Analyst Grade with bull/bear case, price targets, and qualitative risk analysis, generate a AX research report →
Range $121 – $128
Price Chart
About the company
Founded in Las Vegas, Nevada, in 1999, Axos Financial, Inc. is a U. S.
- CEO
- Gregory Garrabrants
- IPO
- 2005
- Employees
- 1,989
- HQ
- Las Vegas, NV, US
Get TickerSpark's AI analysis on AX
Create an account to generate AI analysis on any ticker — technical setup, analyst consensus, earnings watch, insider pulse, financial health, and peer context. Ready in about a minute.
Get Pro Access →Already have an account? Log in
Similar companies
Peers in the same neighborhood.
- Market Cap
- $5.45B
- P/E
- 11.05
- Fwd P/E
- 9.91
- PEG
- 0.79
- P/S
- 2.49
- P/B
- 1.72
- EV/EBITDA
- 8.76
- Div Yield
- 0.00%
- Gross Margin
- 62.97%
- Op Margin
- 29.52%
- Net Margin
- 22.39%
- ROE
- 16.41%
- ROIC
- 1.66%
Latest fiscal year · YoY change
- Revenue
- $2.19B+13.5%
- Gross Profit
- $1.38B+16.3%
- Op Income
- $646.67M
- Net Income
- $490.37M+13.3%
- EPS
- $8.66+13.8%
- OCF Growth
- +0.0%
- FCF Growth
- +0.0%
- 52W High
- $105.74
- 52W Low
- $74.89
- 50D MA
- $96.73
- 200D MA
- $90.50
- Beta
- 1.23
- RSI (14)
- 42
- Avg Volume
- 374.99K
Earnings call summaries
Pick a quarter — each call distilled into takeaways, results, and a bull vs bear read.
Axos delivered a strong fiscal Q4 with higher loan growth, stable-to-better margin, solid credit trends, and upbeat guidance for fiscal 26.· July 30, 2026
- Net loan growth was $856 million in the quarter, with management saying organic loan growth should land toward the mid to high end of its single-digit to low-teens fiscal 26 range.
- Net interest margin expanded to 4.84%, and management expects ex-FDIC accretion margin to stay at or slightly above its 4.25% to 4.35% target range.
- Deposit growth remained strong: ending deposits were $20.8 billion, up 3.4% linked quarter and 7.6% year over year.
- Credit quality improved, with nonaccrual loans down $15 million linked quarter and nonperforming assets down $13.4 million.
- Management sees AI, new teams, and potential M&A as key levers to improve efficiency and broaden growth, while maintaining discipline on expenses and capital.
Axos said fiscal Q4 2025 net interest income was $280 million, up 7.7% from $260 million a year earlier. Diluted EPS was $1.92 versus $1.81 in the March quarter; adjusted diluted EPS would have been $1.87 excluding two nonrecurring items. Net income was approximately $110.7 million versus $105.2 million in the prior quarter. Net interest margin was 4.84%, up 6 basis points sequentially from 4.78%, and book value per share rose 18% year over year. Return on average common equity was 17% and return on assets was 1.9%. Total noninterest expenses were about $151 million, up $4.4 million sequentially. Ending deposits were $20.8 billion, up 3.4% linked quarter and 7.6% year over year. The company repurchased about $31 million of stock at an average price of $59. Looking ahead, Axos expects ex-FDIC-accretion NIM to remain at or slightly above 4.25% to 4.35%, organic loan growth to come in toward the mid to high end of the single-digit to low-teens range in fiscal 26, and the corporate tax rate to be about 26% to 27% starting in the quarter ending 09/30/2025.
Gregory Garrabrants framed the quarter as strong across growth, margin, and credit, emphasizing that Axos continues to generate high returns while expanding loans and deposits. He highlighted improving pipelines, lower prepayments in commercial specialty real estate, and new business lines and teams that are contributing to growth. His tone was confident and forward-looking, with repeated emphasis on AI, technology investment, disciplined capital deployment, and M&A as ways to extend growth and efficiency.
Derrick Walsh focused on expense control, taxes, and the growth outlook. He said noninterest expenses were approximately $151 million, salaries and benefits were $74.9 million, and professional services rose to $10.4 million from $8.2 million; he also noted a floor plan team adds about $1 million of expense per quarter and September merit increases are expected to be about 4%. On taxes, he said Q4 included a $5.6 million one-time noncash deferred tax impairment, and starting in the quarter ending 09/30/2025 the corporate tax rate should be about 26% to 27%, versus prior guidance of 29% to 30%. He also said the loan pipeline was $2 billion as of 07/25/2025 and reiterated loan growth at the midpoint to high end of the high-single-digit to low-teens range over the next 12 months, excluding FDIC-related assets or acquisitions.
Analysts focused first on loan yields and NIM, and management said new-loan pricing is a bit tighter but is being partly offset by slower prepayments and funding benefits, with NIM expected to stay fairly consistent and possibly move a basis point or two either way. Questions on funding costs drew a cautious answer: management said stronger loan growth or acquisitions could create some pressure on deposit costs, though Axos 1 and other deposit-gathering businesses remain strong. On capital allocation, management said organic growth remains the priority, but M&A is increasingly in play, especially for fee-income and specialty finance businesses. Analysts also asked about crypto/stablecoins; management said the company is paying close attention and has been more open to crypto-related banking relationships, but gave no detailed public commitment on stablecoin.
The bull case from this call is that Axos is still growing loans and deposits at a healthy pace while keeping NIM above its long-term target and maintaining strong credit quality. Management also pointed to a $2 billion pipeline, improving custody net new assets, and a lower expected tax rate in fiscal 26 that should support earnings.
The main risks are that loan pricing is getting a bit more competitive and deposit costs could rise if growth accelerates or if Axos does M&A. Management also signaled that fee-income growth, especially in securities/custody, may be harder to scale quickly and will require more technology investment and product improvement. The $31 million stock buyback was modest, and some growth categories like commercial specialty real estate can still be affected by prepayments.
AI summary of the company's earnings call · Paraphrased · Not investment advice
- Free Float
- 95.5%
- Shares Outstanding
- 56.88M
- Float Shares
- 54.33M
of shares held by institutions
395 13F filers
Buy/sell ratio 0.00. Sells can include pre-scheduled 10b5-1 plan sales, not just discretionary selling.
Congressional trading
Senate and House stock disclosures for AX, newest first.
| Member | Type | Traded | |
|---|---|---|---|
| Pat ToomeySenate · PA | Sell | Jan 28, 19 | Filing → |
Source: public STOCK Act disclosures. Filed weeks after the trade — a lagging signal, not a real-time one.
Top institutional holders
Largest 13F positions, with quarter-over-quarter change.
| Holder | Shares | Δ Quarter |
|---|---|---|
| Blackrock, Inc. | 8.39M | ▲ 68.18K |
| Vanguard Group Inc | 5.90M | ▼ 31.27K |
| State Street Corp | 3.02M | ▲ 207.21K |
| Fmr LLC | 2.97M | ▲ 531.57K |
| American Century Companies Inc | 2.71M | ▲ 195.25K |
| Vanguard Capital Management LLC | 2.47M | ▲ 12.67K |
| Dimensional Fund Advisors LP | 2.20M | ▲ 20.13K |
| Geode Capital Management, LLC | 1.97M | ▲ 8.71K |
| Davis Asset Management, L.P. | 1.54M | 0 |
| Charles Schwab Investment Management Inc | 751.93K | ▲ 19.85K |
| Sixth Street Partners Management Company, L.P. | 751.93K | ▲ 751.93K |
| Franklin Resources Inc | 714.46K | ▼ 40.53K |
Held by 329 ETFs
Biggest fund positions in AX by dollar value.
Recent insider transactions
Who's buying, who's selling, and how much.
| Date | Insider | Type | Shares |
|---|---|---|---|
| Aug 5, 26 | Santi Roque A | sell | 500 |
| Jun 30, 26 | Garrabrants Gregory | other | 202,032 |
| Jun 30, 26 | Garrabrants Gregory | sell | 108,995 |
| Jun 30, 26 | Garrabrants Gregory | other | 202,032 |
| Jun 8, 26 | Constantine Thomas M | sell | 1,994 |
| May 19, 26 | Watson Michael James | sell | 1,653 |
| May 12, 26 | Argalas James S | other | 2,100 |
| May 8, 26 | Santi Roque A | sell | 500 |
| Mar 20, 26 | Watson Michael James | other | 983 |
| Mar 20, 26 | Watson Michael James | other | 983 |
A “Sell” may be a pre-scheduled 10b5-1 plan sale rather than a discretionary decision — read insider selling with that in mind.
Our AX coverage
Recent articles, reports, and earnings notes.
No research on AX yet
For a full analyst-grade research report — grades, price targets, financials, chart analysis — generate one on demand.
Generate AX report →Bank of America Corp DE Has $18.86 Million Position in Axos Financial, Inc $AX
defenseworld.net · Aug 20
Axos Target Rises to $120 on Growth Above Peers
gurufocus.com · Aug 13
Hyundai Motor Group Accelerates AI Transformation Across Its Business, Advancing Toward the Physical AI Era
gurufocus.com · Aug 12
Arrowstreet Capital Limited Partnership Has $10.46 Million Position in Axos Financial, Inc $AX
defenseworld.net · Aug 1
Axos Financial, Inc. (AX) Q4 2026 Earnings Call Transcript
seekingalpha.com · Jul 30
Compared to Estimates, Axos Financial (AX) Q4 Earnings: A Look at Key Metrics
zacks.com · Jul 30
Axos Financial (AX) Beats Q4 Earnings and Revenue Estimates
zacks.com · Jul 30
Axos Financial, Inc. Reports Fiscal Year 2026 Results
businesswire.com · Jul 30
Headlines from third-party outlets — TickerSpark isn't affiliated with these sources.