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Upturn AI SWOT - About
AX 
Axos Financial Inc (AX)
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Upturn Advisory Summary
11/12/2025: AX (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $100.5
1 Year Target Price $100.5
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 41.82% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.64B USD | Price to earnings Ratio 11.01 | 1Y Target Price 100.5 |
Price to earnings Ratio 11.01 | 1Y Target Price 100.5 | ||
Volume (30-day avg) 6 | Beta 1.29 | 52 Weeks Range 54.46 - 93.84 | Updated Date 11/11/2025 |
52 Weeks Range 54.46 - 93.84 | Updated Date 11/11/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-29 | When After Market | Estimate 1.92 | Actual 2.07 |
Profitability
Profit Margin 36% | Operating Margin (TTM) 50.8% |
Management Effectiveness
Return on Assets (TTM) 1.7% | Return on Equity (TTM) 16.65% |
Valuation
Trailing PE 11.01 | Forward PE 9.55 | Enterprise Value 3684018432 | Price to Sales(TTM) 3.86 |
Enterprise Value 3684018432 | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 4.67 | Enterprise Value to EBITDA - | Shares Outstanding 56644002 | Shares Floating 53929055 |
Shares Outstanding 56644002 | Shares Floating 53929055 | ||
Percent Insiders 4.52 | Percent Institutions 81.42 |
Upturn AI SWOT
Axos Financial Inc
Company Overview
History and Background
Axos Financial Inc., formerly known as BofI Holding, Inc., was founded in 1999 as Bank of Internet USA. It was one of the first online-only banks. It has grown through organic growth and acquisitions, expanding its services and customer base.
Core Business Areas
- Banking: Offers a range of deposit accounts, including checking, savings, money market, and CD accounts. Provides banking services to consumers and businesses.
- Lending: Provides residential mortgages, commercial real estate loans, small business loans, and consumer loans.
- Securities: Through Axos Invest, offers automated investing, managed portfolios, and self-directed trading platforms.
Leadership and Structure
Greg Garrabrants is the President and CEO. The company has a board of directors overseeing the management team. The organizational structure is divided into banking, lending, and securities segments.
Top Products and Market Share
Key Offerings
- Checking Accounts: Axos offers various checking accounts, including rewards checking, essential checking, and high-yield checking. Competitors include Ally Bank, Capital One 360, and Discover Bank. Axos had approximately 580,000 retail banking accounts in Q4 2023. No precise market share is available, but online banks as a whole hold a growing, but still relatively small, portion of the overall market.
- Residential Mortgages: Axos provides a variety of mortgage products including fixed-rate, adjustable-rate, and jumbo loans. Competitors include Rocket Mortgage, United Wholesale Mortgage, and traditional banks. Revenue from residential lending was approximately $90 million in Q4 2023. No precise market share is available.
- Commercial Real Estate Lending: Axos offers commercial real estate loans for various property types. Competitors include regional and national banks like Wells Fargo and Bank of America. Axos had a commercial real estate loan portfolio of about $4.1 billion as of September 30, 2023. No precise market share is available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Digital banking is growing rapidly.
Positioning
Axos Financial Inc. is positioned as a technology-driven, online bank offering competitive rates and a wide range of services. It aims to attract customers seeking convenience and value.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is in the trillions of dollars. Axos is positioned to capture a larger share through its digital-first approach and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Diversified product offerings
- Efficient cost structure
- Strong organic growth
- Experienced management team
Weaknesses
- Smaller brand recognition compared to larger banks
- Reliance on interest rate environment
- Exposure to credit risk
- Limited physical presence
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition of smaller banks or fintech companies
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- ALLY
- COF
- DFS
Competitive Landscape
Axos Financial Inc. differentiates itself through its technology-driven platform and efficient cost structure. Its smaller size compared to larger banks allows for greater agility and innovation.
Major Acquisitions
WiseBanyan
- Year: 2019
- Acquisition Price (USD millions): 0
- Strategic Rationale: The acquisition of WiseBanyan enhanced Axos Invest's automated investing capabilities and expanded its customer base.
Growth Trajectory and Initiatives
Historical Growth: Axos Financial Inc. has experienced strong growth in assets, loans, and deposits over the past years, driven by its digital-first strategy and diversified product offerings.
Future Projections: Analysts project continued growth for Axos Financial Inc., driven by its expansion into new markets and increased adoption of digital banking. Earnings are expected to grow at a rate of approximately 10-15% per year over the next five years.
Recent Initiatives: Recent strategic initiatives include expansion of Axos Invest, enhancement of its mobile banking platform, and strategic acquisitions.
Summary
Axos Financial Inc. is a well-positioned digital bank with a strong growth trajectory and diversified product offerings. Its technology-driven platform and efficient cost structure provide a competitive advantage. However, it faces challenges related to increased competition and the interest rate environment. Management should also keep a watch on any cyber security threat.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Investor Presentations, Analyst Reports, Market Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Axos Financial Inc
Exchange NYSE | Headquaters Las Vegas, NV, United States | ||
IPO Launch date 2005-03-15 | President, CEO & Director Mr. Gregory Garrabrants C.F.A., J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1989 | |
Full time employees 1989 | |||
Axos Financial, Inc., together with its subsidiaries, operates as a consumer and business banking provider in the United States. The company operates through two segments, Banking Business and Securities Business. It offers deposits products, including consumer and business checking, savings, time deposit, and commercial and deposits. The company also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured, commercial and industrial non-real estate, and auto and consumer loans. In addition, it offers a range of investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, as well as margin loans and securities lending services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.
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