Axos Financial Key Fundamental Indicators

Axos Financial Balance Sheet		Trends
Current Value Last Year Historical Average  10 Year Trend Total Assets 29.9 B 28.5 B 13.2 B Slightly volatile Short and Long Term Debt Total 565.2 M 428.6 M 619.1 M Pretty Stable Total Current Liabilities 25.6 B 24.4 B 8.9 B Slightly volatile Total Stockholder Equity 3.2 B 3.1 B 1.3 B Slightly volatile Non Current Assets Total 27.1 B 25.8 B 9.5 B Slightly volatile Other Assets 85.8 M 90.3 M 6.5 B Very volatile Common Stock Shares Outstanding 51.1 M 67 M 57.4 M Slightly volatile Liabilities And Stockholders Equity 29.9 B 28.5 B 13.2 B Slightly volatile Non Current Liabilities Total 537.9 M 1.1 B 697.5 M Slightly volatile Other Stockholder Equity 66.7 M 70.3 M 175.9 M Pretty Stable Total Liabilities 26.7 B 25.4 B 11.9 B Slightly volatile Short Term Debt 32.8 M 34.5 M 164.8 M Very volatile Other Liabilities 479.6 M 456.8 M 256.2 M Slightly volatile Property Plant And Equipment Net 160.1 M 152.5 M 65 M Slightly volatile Retained Earnings 3.2 B 3 B 1.1 B Slightly volatile Accounts Payable 423.4 M 403.2 M 247.6 M Slightly volatile Cash 2.3 B 2.2 B 1 B Slightly volatile Long Term Debt 214.7 M 428.6 M 213.1 M Slightly volatile Cash And Short Term Investments 2.4 B 2.3 B 1.2 B Slightly volatile Net Receivables 451.9 M 430.4 M 191.5 M Slightly volatile Common Stock Total Equity 839.2 K 799.2 K 530.6 K Slightly volatile Short Term Investments 72.2 M 76 M 171 M Pretty Stable Property Plant And Equipment Gross 25.9 M 24.7 M 16.4 M Slightly volatile Total Current Assets 2.9 B 2.7 B 1.4 B Slightly volatile Common Stock 409.5 K 817.6 K 535.1 K Slightly volatile Property Plant Equipment 126.9 M 120.8 M 52.3 M Slightly volatile Preferred Stock Total Equity 5.5 M 4.6 M 6.3 M Slightly volatile Net Tangible Assets 1 B 2 B 1 B Slightly volatile Long Term Debt Total 190.7 M 359.6 M 165.6 M Slightly volatile Capital Surpluse 417.3 M 631.2 M 370.1 M Slightly volatile Long Term Investments 56.5 M 59.5 M 2.9 B Slightly volatile Non Current Liabilities Other 557.3 M 481.9 M 657.3 M Slightly volatile Earning Assets 1.5 B 1.4 B 855 M Slightly volatile Net Invested Capital 2.3 B 3.5 B 2 B Slightly volatile Capital Stock 607.9 K 639.9 K 3.6 M Slightly volatile
Axos Financial Income Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Interest Expense 830.4 M 790.8 M 247.2 M Slightly volatile Total Revenue 2.3 B 2.2 B 852.6 M Slightly volatile Gross Profit 1.4 B 1.4 B 579.7 M Slightly volatile Other Operating Expenses 1.6 B 1.5 B 542.2 M Slightly volatile Operating Income 740.7 M 705.4 M 310.6 M Slightly volatile EBIT 740.7 M 705.4 M 310.6 M Slightly volatile EBITDA 775.7 M 738.8 M 327.3 M Slightly volatile Cost Of Revenue 897.7 M 855 M 273.1 M Slightly volatile Total Operating Expenses 691.5 M 658.5 M 269.3 M Slightly volatile Depreciation And Amortization 35 M 33.4 M 16.7 M Slightly volatile Selling General Administrative 434.9 M 414.2 M 176.3 M Slightly volatile Selling And Marketing Expenses 57.7 M 54.9 M 20.3 M Slightly volatile Net Income Applicable To Common Shares 522.7 M 497.8 M 212.8 M Slightly volatile Net Income From Continuing Ops 522.7 M 497.8 M 216 M Slightly volatile Tax Provision 114.6 M 207.6 M 100 M Slightly volatile Net Interest Income 1.4 B 1.3 B 558.9 M Slightly volatile Interest Income 2.2 B 2.1 B 810.3 M Slightly volatile Reconciled Depreciation 26.4 M 33.4 M 18.4 M Slightly volatile
Axos Financial Cash Flow Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Begin Period Cash Flow 2.6 B 2.5 B 1 B Slightly volatile Depreciation 35 M 33.4 M 16 M Slightly volatile Capital Expenditures 65.5 M 62.3 M 21.1 M Slightly volatile Net Income 522.7 M 497.8 M 213.1 M Slightly volatile End Period Cash Flow 2.6 B 2.5 B 1.2 B Slightly volatile
Financial Ratios		Trends
Current Value Last Year Historical Average  10 Year Trend Price To Sales Ratio 4.35 2.58 4.1398 Slightly volatile Dividend Yield 0.0 0.0 6.0E-4 Slightly volatile PTB Ratio 2.2 1.85 2.1042 Slightly volatile Days Sales Outstanding 47.25 63.72 74.5303 Slightly volatile Book Value Per Share 44.55 42.43 21.11 Slightly volatile Stock Based Compensation To Revenue 0.0187 0.0196 0.0247 Very volatile Capex To Depreciation 1.03 1.68 1.2766 Very volatile PB Ratio 2.2 1.85 2.1042 Slightly volatile EV To Sales 1.56 1.65 4.5324 Slightly volatile Payables Turnover 2.32 2.44 16.208 Slightly volatile Sales General And Administrative To Revenue 0.14 0.17 0.2079 Very volatile Capex To Revenue 0.0129 0.0253 0.0207 Slightly volatile Cash Per Share 33.24 31.65 19.1057 Slightly volatile Payout Ratio 5.0E-4 5.0E-4 0.0087 Slightly volatile Days Payables Outstanding 237 155 422 Slightly volatile Intangibles To Total Assets 0.005 0.0059 0.0051 Slightly volatile Current Ratio 0.075 0.1 0.1192 Very volatile Tangible Book Value Per Share 41.86 39.87 19.6183 Slightly volatile Receivables Turnover 11.61 5.93 9.1888 Slightly volatile Graham Number 84.92 80.88 40.2065 Slightly volatile Shareholders Equity Per Share 44.55 42.43 21.11 Slightly volatile Debt To Equity 0.15 0.16 0.9258 Slightly volatile Capex Per Share 0.9 0.86 0.3329 Slightly volatile Revenue Per Share 32.07 30.54 13.5901 Slightly volatile Interest Debt Per Share 9.38 16.78 12.9849 Pretty Stable Debt To Assets 0.0164 0.0173 0.0831 Slightly volatile Operating Cycle 47.25 63.72 74.5303 Slightly volatile Price Book Value Ratio 2.2 1.85 2.1042 Slightly volatile Days Of Payables Outstanding 237 155 422 Slightly volatile Dividend Payout Ratio 5.0E-4 5.0E-4 0.0087 Slightly volatile Company Equity Multiplier 12.5 10.63 10.9264 Slightly volatile Long Term Debt To Capitalization 0.13 0.14 0.3809 Slightly volatile Total Debt To Capitalization 0.13 0.14 0.364 Slightly volatile Debt Equity Ratio 0.15 0.16 0.9258 Slightly volatile Quick Ratio 0.075 0.1 0.1192 Very volatile Net Income Per E B T 0.76 0.81 0.6883 Pretty Stable Cash Ratio 0.047 0.0822 0.0774 Slightly volatile Days Of Sales Outstanding 47.25 63.72 74.5303 Slightly volatile Free Cash Flow Operating Cash Flow Ratio 1.0 1.02 0.9329 Very volatile Price To Book Ratio 2.2 1.85 2.1042 Slightly volatile Fixed Asset Turnover 7.86 8.27 19.5793 Slightly volatile Debt Ratio 0.0164 0.0173 0.0831 Slightly volatile Price Sales Ratio 4.35 2.58 4.1398 Slightly volatile Asset Turnover 0.0417 0.0701 0.054 Slightly volatile Gross Profit Margin 0.46 0.55 0.677 Very volatile Price Fair Value 2.2 1.85 2.1042 Slightly volatile
Axos Financial Valuation Data		Trends
Current Value Last Year Historical Average  10 Year Trend Market Cap 4.1 B 3.9 B 2.9 B Slightly volatile Enterprise Value 2.6 B 2.5 B 2.1 B Slightly volatile

Axos Fundamental Market Drivers

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Axos Current Valuation Driver Correlations

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Axos Financial 'What if' Analysis

Hype Prediction Low Estimated High 96.41 98.15 99.89 Details

Intrinsic Valuation Low Real High 87.55 110.08 111.82 Details

6 Analysts Consensus Low Target High 100.46 110.40 122.54 Details

Earnings Estimates (0) Low Projected EPS High 2.13 2.18 2.26 Details

Axos Financial February 14, 2026 Technical Indicators

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Axos Financial Fundamental Drivers Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Axos Financial's current stock value. Our valuation model uses many indicators to compare Axos Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Axos Financial competition to find correlations between indicators driving Axos Financial's intrinsic value. More Info.Axos Financial is rated second in return on equity category among its peers. It is rated fourth in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Axos Financial is roughly  9.52 . At this time, Axos Financial's Return On Equity is fairly stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Axos Financial's earnings, one of the primary drivers of an investment's value.

Axos Current Valuation Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Axos Financial's direct or indirect competition against its Current Valuation to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Axos Financial could also be used in its relative valuation, which is a method of valuing Axos Financial by comparing valuation metrics of similar companies.

Axos Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Axos Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Axos Financial's managers, analysts, and investors.

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