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Upturn AI SWOT - About
AX 
Axos Financial Inc (AX)
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Upturn Advisory Summary
08/07/2025: 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 $99.33
1 Year Target Price $99.33
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 40.93% | Avg. Invested days 31 | 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 08/07/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.81B USD | Price to earnings Ratio 11.45 | 1Y Target Price 99.33 |
Price to earnings Ratio 11.45 | 1Y Target Price 99.33 | ||
Volume (30-day avg) 6 | Beta 1.33 | 52 Weeks Range 54.46 - 88.46 | Updated Date 08/7/2025 |
52 Weeks Range 54.46 - 88.46 | Updated Date 08/7/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.43 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-28 | When Before Market | Estimate 1.82 | Actual 1.94 |
Profitability
Profit Margin 35.98% | Operating Margin (TTM) 53.12% |
Management Effectiveness
Return on Assets (TTM) 1.82% | Return on Equity (TTM) 17.42% |
Valuation
Trailing PE 11.45 | Forward PE 9.55 | Enterprise Value 3382664192 | Price to Sales(TTM) 3.99 |
Enterprise Value 3382664192 | Price to Sales(TTM) 3.99 | ||
Enterprise Value to Revenue 4.1 | Enterprise Value to EBITDA - | Shares Outstanding 56483600 | Shares Floating 53958799 |
Shares Outstanding 56483600 | Shares Floating 53958799 | ||
Percent Insiders 3.96 | Percent Institutions 83.53 |
Upturn AI SWOT
Axos Financial Inc
Company Overview
History and Background
Axos Financial Inc., formerly BofI Holding, Inc., was founded in 1999 and launched its online bank, Bank of Internet USA, in 2000. It pioneered branchless banking and has grown through organic expansion and strategic acquisitions, focusing on efficiency and technology-driven financial solutions.
Core Business Areas
- Banking: Provides deposit accounts, loans, and other banking services to consumers and businesses nationwide through its online platform.
- Securities: Offers securities clearing and brokerage services.
- Commercial Specialty Finance: Finances a range of businesses
Leadership and Structure
Greg Garrabrants serves as the President and CEO. The organizational structure is designed to support its diversified financial services, encompassing banking, securities, and other financial businesses.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Online checking and savings accounts offering competitive interest rates and low fees. The market is very competitive. Competitors include Ally Bank, Capital One 360, and Discover Bank.
- Mortgages: Residential and commercial mortgages. Competitors include Rocket Mortgage, UWM (United Wholesale Mortgage), and traditional banks.
- Securities Clearing Services: Provides clearing services for broker-dealers. Competitors include Apex Clearing, Pershing, and National Financial Services LLC.
Market Dynamics
Industry Overview
The banking industry is evolving rapidly, with increased competition from fintech companies and a growing demand for digital banking solutions. Interest rates, regulations, and economic conditions significantly influence profitability.
Positioning
Axos Financial Inc. is positioned as a tech-savvy, branchless bank offering competitive rates and services. Its competitive advantages include lower overhead costs due to its online model and efficient technology platforms.
Total Addressable Market (TAM)
The global digital banking market is estimated to reach hundreds of billions of dollars. Axos is positioned to capture a share of this market through its digital-first approach and expanding product offerings. Specific TAM for Securities Clearing is also significant.
Upturn SWOT Analysis
Strengths
- Efficient online platform
- Lower overhead costs
- Strong capital ratios
- Diversified revenue streams
- Technological capabilities
Weaknesses
- Lack of physical branches
- Reliance on technology
- Competition from larger banks
- Interest Rate Sensitivity
- Reputation Risk (as a smaller bank)
Opportunities
- Expanding digital banking adoption
- Acquiring smaller banks or portfolios
- Cross-selling opportunities
- Increased demand for online securities clearing
- Partnerships with fintech companies
Threats
- Cybersecurity risks
- Regulatory changes
- Economic downturn
- Increased competition from fintech companies
- Interest rate fluctuations
Competitors and Market Share
Key Competitors
- ALLY
- COF
- DFS
Competitive Landscape
Axos Financial Inc. competes with both traditional banks and fintech companies. Its competitive advantages include its digital-first approach and lower overhead costs. It faces challenges from larger banks with greater brand recognition and resources.
Major Acquisitions
WiseBanyan
- Year: 2019
- Acquisition Price (USD millions): 0
- Strategic Rationale: Accelerated Axosu2019 entry into automated investing and wealth management. Purchase price was immaterial.
E*TRADE Advisor Services
- Year: 2021
- Acquisition Price (USD millions): 55
- Strategic Rationale: Increased advisor service revenues, assets under custody and further expands the company's wealth management offerings.
Growth Trajectory and Initiatives
Historical Growth: Axos Financial Inc. has experienced significant growth through organic expansion and strategic acquisitions. Review past financial statements for specific growth rates.
Future Projections: Analyst estimates suggest continued growth, driven by digital banking adoption and strategic initiatives. These projections are subject to change based on market conditions and company performance.
Recent Initiatives: Recent initiatives include technology investments, new product launches, and expansion into new markets.
Summary
Axos Financial Inc. is a reasonably strong company with a solid online platform and efficient cost structure. It benefits from the growing adoption of digital banking, but faces competition from larger banks and fintech firms. Cybersecurity and regulatory changes pose potential risks, while expansion and strategic partnerships offer growth opportunities. Key to success is growing its market share to match its competitors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Industry publications
- Company website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor. Market share data is approximate and may vary based on source and methodology.
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 - | |
Full time employees - | |||
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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