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Axos Financial Inc(AX)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AX
10/23/2026: AX (2-star) is currently NOT-A-BUY. Pass it for now.
Axos Financial is a technology-driven bank holding company that has built a unique, efficient business model by operating almost exclusively through digital channels. The company is known for its strong net interest margins and ability to scale without the high overhead of physical branches. Its primary growth story revolves around expanding into fee-based securities and wealth management services to complement its lending operations. Key risks include exposure to commercial real estate fluctuations, rising interest rate volatility, and intense competition from specialized fintech players. The stock may suit growth-oriented investors who are comfortable with higher volatility, as the company does not pay a dividend.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company has consistently grown its earnings and balance sheet at rates faster than the average traditional bank. |
| Momentum investor | Strong fit while signal remains positive | The stock often exhibits strong price trends correlated with its ability to beat quarterly earnings estimates. |
| Value investor | Mixed fit | While often trading at modest P/E ratios, the growth-oriented nature of the stock makes it a non-traditional value play. |
| Dividend investor | Weak fit | The company does not pay a cash dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The stock experiences significant price volatility compared to the broader banking sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to wide price swings based on interest rate sentiment and quarterly results. |
| Valuation risk | Medium | Market expectations for growth are often baked into the premium, leaving little margin for error. |
| Competition risk (Fintech/Digital) | High | New fintech entrants constantly challenge the company's digital-first competitive moat. |
| Business quality | Strong | Axos maintains high operational efficiency and consistent profitability metrics. |
| Dividend income | Low / none | Investors receive zero cash yield from holding the common stock. |
| Execution risk | Medium | Integrating new acquisitions and scaling diverse business lines requires precise management execution. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 55.32% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.22B USD | Price to earnings Ratio 10.82 | 1Y Target Price 117.71 |
Price to earnings Ratio 10.82 | 1Y Target Price 117.71 | ||
Volume (30-day avg) 406.0K shares | Beta 1.29 | 52 Weeks Range 74.89 - 105.74 | Updated Date 10/25/2026 |
52 Weeks Range 74.89 - 105.74 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 8.48 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loan portfolios (mortgages, CRE, C&I) minus interest paid on deposits. | This is the core engine, profit made on the spread between what they earn on loans and pay on savings. |
| Fee-Based Income | Clearing fees, brokerage commissions, and deposit-related service charges. | This provides diversification, as it doesn't depend on interest rates in the same way as lending. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 2.25 | Actual - |
Profitability
Profit Margin 35.55% | Operating Margin (TTM) 45.03% |
Management Effectiveness
Return on Assets (TTM) 1.79% | Return on Equity (TTM) 16.77% |
Valuation
Trailing PE 10.82 | Forward PE 9.55 | Enterprise Value 5.46B | Price to Sales(TTM) 3.78 |
Enterprise Value 5.46B | Price to Sales(TTM) 3.78 | ||
Enterprise Value to Revenue 4.03 | Enterprise Value to EBITDA - | Shares Outstanding 56.86M | Shares Floating 54.16M |
Shares Outstanding 56.86M | Shares Floating 54.16M | ||
Percent Insiders 4.36 | Percent Institutions 88.18 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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