Axos Financial, Inc.
AX NYSE· Savings Institution, Federally Chartered
Last close · Oct 23, 2026
$91.79
KIRA · Stoqly’s AI analyst, in plain words
- Axos Financial, Inc. had $81.3M of revenue in fiscal 2026, up 23.5% on the year before. Over five years, revenue changed +21.0% a year on average.
- Axos Financial, Inc. made $490M of net profit in fiscal 2026. From fiscal 2017 to 2026, diluted EPS grew 16.8% a year.
- Axos Financial, Inc. returned $22.0M to shareholders in fiscal 2026, 8% of free cash flow. The diluted share count fell 0.4%.
- It earned 16.8% on shareholders’ money. Running costs took 901.8% of revenue (the efficiency ratio; lower is better).
Market cap
$5.2B
P/E
10.8x
Revenue
$81.3M
Net income
$490M
Return on equity
16.8%
Efficiency ratio
901.8%
Axos Financial, Inc. in 30 seconds · fiscal 2026
Are sales growing?
+23.5%
Yes. Sales grew 23.5% last year.
Does it make a profit?
603.5%
Yes. It keeps 603.5% of every sale as profit.
How lean are its costs?
901.8%
Costly. Running costs take 901.8% of revenue.
How much does it earn on its capital?
16.8%
Good. It earns 16.8% a year on shareholders’ money.
How is the share priced?
10.8x
One share costs 10.8 times its yearly profit per share.
What Axos Financial, Inc. does
No business description yet.
- Fiscal year ends
- June 30, 2026
- Latest annual report
- 10-K · Aug 20, 2026
- Legal name
- Axos Financial, Inc.
- CIK
- 0001299709
Axos Financial, Inc. · AX
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $59.4M | $65.3M | $64.6M | $65.8M | $81.3M |
| Revenue growth | 89.7% | 9.8% | −1.0% | 1.8% | 23.5% |
| Net interest income | $607M | $783M | $961M | $1.1B | $1.2B |
| Net income | $241M | $307M | $450M | $433M | $490M |
| Net margin | 405.0% | 470.7% | 696.2% | 658.0% | 603.5% |
| Diluted EPS | $3.97 | $5.07 | $7.66 | $7.43 | $8.48 |
| Cash | |||||
| Cash from operations | $217M | $197M | $305M | $490M | $558M |
| Capital expenditure | $21.5M | $30.2M | $36.0M | $54.2M | $266M |
| Free cash flow | $195M | $166M | $270M | $436M | $291M |
| FCF margin | 328.3% | 255.1% | 416.9% | 662.9% | 358.3% |
| Share buybacks | $0.0M | $49.0M | $96.3M | $58.2M | $22.0M |
| Share count change | 0.5% | 0.3% | −3.7% | −1.1% | −0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $1.6B | $2.2B | $2.0B | $1.9B | $1.1B |
| Debt incl. finance leases | $445M | $362M | $326M | $313M | $343M |
| Loans, net | $14.1B | $16.5B | $19.2B | $21.0B | $25.6B |
| Deposits | $13.9B | $17.1B | $19.4B | $20.8B | $24.6B |
| Shareholders' equity | $1.6B | $1.9B | $2.3B | $2.7B | $3.2B |
| Returns and quality | |||||
| Return on equity | 15.8% | 17.3% | 21.4% | 17.4% | 16.8% |
| Return on tangible equity | 16.2% | 17.4% | 20.9% | 17.0% | 16.8% |
| Efficiency ratio | 600.4% | 685.9% | 798.4% | 896.3% | 901.8% |
| Piotroski F-score | 3 | 4 | 5 | 5 | 6 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$7.2M
9 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Axos Financial, Inc. · AX
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $91.79 a share, the company is worth $5.2B: 10.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001299709). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.