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Upturn AI SWOT - About
AX 
Axos Financial Inc (AX)
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Upturn Advisory Summary
07/09/2025: AX (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $84.25
1 Year Target Price $84.25
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 41.35% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.75B USD | Price to earnings Ratio 11.49 | 1Y Target Price 84.25 |
Price to earnings Ratio 11.49 | 1Y Target Price 84.25 | ||
Volume (30-day avg) 6 | Beta 1.29 | 52 Weeks Range 54.46 - 88.46 | Updated Date 07/9/2025 |
52 Weeks Range 54.46 - 88.46 | Updated Date 07/9/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.15% | Operating Margin (TTM) 52.9% |
Management Effectiveness
Return on Assets (TTM) 1.83% | Return on Equity (TTM) 17.8% |
Valuation
Trailing PE 11.49 | Forward PE 9.55 | Enterprise Value 2889950720 | Price to Sales(TTM) 4.02 |
Enterprise Value 2889950720 | Price to Sales(TTM) 4.02 | ||
Enterprise Value to Revenue 4.15 | Enterprise Value to EBITDA - | Shares Outstanding 56373100 | Shares Floating 53979489 |
Shares Outstanding 56373100 | Shares Floating 53979489 | ||
Percent Insiders 8.72 | Percent Institutions 83.36 |
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 pioneered online banking and has evolved into a diversified financial services company. Significant milestones include its initial public offering and expansion into various lending and wealth management services.
Core Business Areas
- Banking: Provides a range of banking products and services, including checking accounts, savings accounts, CDs, and money market accounts, primarily online.
- Lending: Offers various lending products, including single-family mortgages, commercial real estate loans, and personal loans.
- Securities: Provides investment advisory services and wealth management solutions through its Axos Invest platform.
Leadership and Structure
The leadership team is headed by Greg Garrabrants as CEO. The company operates with a traditional corporate structure with various departments overseeing banking, lending, technology, and other functions.
Top Products and Market Share
Key Offerings
- Single-Family Mortgages: Axos provides mortgages with competitive rates, primarily through online channels. Competitors include Rocket Mortgage, Wells Fargo, and other major lenders. While precise market share data is difficult to ascertain, Axos focuses on niche markets, and its market share is relatively small compared to large national lenders.
- Commercial Real Estate Lending: Offers commercial real estate loans, focusing on income-producing properties. Competition is from regional and national banks. No official market share information available but based on revenue compared to large national competitors, it is estimated to be below 5% nationally.
- Digital Banking Platform: Provides a complete online banking platform for retail and commercial customers. Competitors include Ally Bank, Capital One 360, and Discover Bank. Revenue from online platform is the largest portion of the total annual revenue. Market share information is difficult to ascertain, but estimated below 5% nationally.
Market Dynamics
Industry Overview
The financial services industry is currently characterized by increasing digitalization, rising interest rates (in some periods), and evolving regulatory landscapes. Fintech companies are challenging traditional banks, driving innovation and competition.
Positioning
Axos Financial Inc. is positioned as a technology-driven financial services provider, leveraging its online platform to offer competitive products and services. Its competitive advantages include lower overhead costs due to the absence of a traditional branch network and a focus on niche markets.
Total Addressable Market (TAM)
The global digital banking market is expected to reach hundreds of billions of USD. Axos is well-positioned to capture a portion of this TAM through its online platform, however its current market share is small and can grow.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Low overhead costs
- Competitive interest rates
- Focus on niche markets
Weaknesses
- Lack of physical branches
- Smaller brand recognition compared to larger banks
- Dependence on online channels
- Higher cost of deposits compared to large national banks
Opportunities
- Expansion into new lending products
- Increased adoption of digital banking
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Increased competition from fintech companies
- Rising interest rates
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- ALLY
- SOFI
- PRU
Competitive Landscape
Axos benefits from a technology-driven approach. However, larger banks have more resources and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Axos has demonstrated growth over the past years, driven by its online banking platform and strategic acquisitions.
Future Projections: Future growth is projected based on analyst estimates, which typically factor in industry trends, competitive landscape, and company-specific initiatives.
Recent Initiatives: Recent initiatives may include new product launches, technology upgrades, and expansion into new markets.
Summary
Axos Financial is a technologically adept bank experiencing steady growth. Its robust online platform and low overheads are significant strengths. However, its smaller brand recognition compared to giant competitors and reliance on online channels pose challenges. Further expansion into new markets, continued acquisitions, and an emphasis on innovation are necessary to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is based on estimates and may not be precise. Investment decisions should be based on thorough research and consultation with a financial advisor.
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 1781 | |
Full time employees 1781 | |||
Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It 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 various 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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