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Upturn AI SWOT - About
AX 
Axos Financial Inc (AX)
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Upturn Advisory Summary
08/29/2025: AX (3-star) is a STRONG-BUY. BUY since 81 days. Profits (35.83%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
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 52.81% | Avg. Invested days 34 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.15B USD | Price to earnings Ratio 12.28 | 1Y Target Price 99.33 |
Price to earnings Ratio 12.28 | 1Y Target Price 99.33 | ||
Volume (30-day avg) 6 | Beta 1.33 | 52 Weeks Range 54.46 - 92.99 | Updated Date 08/29/2025 |
52 Weeks Range 54.46 - 92.99 | Updated Date 08/29/2025 | ||
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 - | When - | Estimate - | Actual - |
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 12.28 | Forward PE 9.55 | Enterprise Value 3839584256 | Price to Sales(TTM) 4.28 |
Enterprise Value 3839584256 | Price to Sales(TTM) 4.28 | ||
Enterprise Value to Revenue 4.34 | Enterprise Value to EBITDA - | Shares Outstanding 56486100 | Shares Floating 53974770 |
Shares Outstanding 56486100 | Shares Floating 53974770 | ||
Percent Insiders 3.95 | Percent Institutions 81.44 |
Upturn AI SWOT
Axos Financial Inc
Company Overview
History and Background
Axos Financial Inc., formerly BofI Holding, Inc., was founded in 1999 as Bank of Internet USA. It pioneered online banking and has grown through acquisitions and organic expansion. It rebranded as Axos Financial in 2018 to reflect its diversified financial services.
Core Business Areas
- Banking: Provides a range of banking products and services, including checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and loans to consumers and businesses nationwide.
- Securities: Offers securities clearing services, custodial services, and investment advisory services through its Axos Clearing LLC subsidiary.
- Lending: Originates and services mortgage loans, commercial real estate loans, and other types of loans.
Leadership and Structure
Greg Garrabrants serves as the President and CEO. The company has a board of directors overseeing its operations and strategic direction. It operates with distinct divisions for banking, securities, and lending.
Top Products and Market Share
Key Offerings
- Checking Accounts: Offers various checking account options with competitive interest rates and features. Market share data not publicly available. Competitors include traditional banks like Bank of America (BAC), Chase (JPM), and online banks like Ally Financial (ALLY).
- Mortgage Loans: Provides residential mortgage loans through various channels. Market share data not publicly available. Competitors include Rocket Mortgage (RKT), Wells Fargo (WFC), and other mortgage lenders.
- Small Business Lending: Provides financing to small businesses. Market share data not publicly available. Competitors include traditional banks like Bank of America (BAC) and online lenders like Kabbage (acquired by Amex).
Market Dynamics
Industry Overview
The financial services industry is undergoing rapid transformation driven by technology, changing customer expectations, and evolving regulatory landscape. Fintech companies and online banks are gaining market share, while traditional banks are adapting to digital disruption.
Positioning
Axos Financial is positioned as a technology-driven, branchless bank that offers competitive rates and innovative products. Its competitive advantages include its lower overhead costs due to its online-only model and its ability to attract tech-savvy customers.
Total Addressable Market (TAM)
The total addressable market includes the entire US banking sector, estimated to be in the trillions of dollars. Axos Financial Inc. is positioned to capture a portion of this TAM by focusing on digital banking and niche markets. The actual market share is very small compared to bigger banks such as JPM and BAC.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Lower overhead costs
- Competitive interest rates
- Diverse product offerings
- Strong capital position
Weaknesses
- Lack of physical branches
- Smaller brand recognition compared to larger banks
- Reliance on technology which can be subject to breaches
- Dependence on interest rate spreads
- Geographic concentration
Opportunities
- Expanding into new markets
- Acquiring smaller banks or fintech companies
- Developing new products and services
- Increasing brand awareness through marketing
- Capitalizing on the growing demand for online banking
Threats
- Increasing competition from other online banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
- Changes in regulations
Competitors and Market Share
Key Competitors
- ALLY
- Capital One (COF)
- Discover Financial Services (DFS)
Competitive Landscape
Axos Financial competes with both traditional banks and online lenders. It offers competitive rates and a user-friendly platform, but it lacks the brand recognition and physical presence of larger banks.
Major Acquisitions
COR Clearing LLC
- Year: 2016
- Acquisition Price (USD millions): 27.5
- Strategic Rationale: Expanded Axos' services into securities clearing.
Growth Trajectory and Initiatives
Historical Growth: Axos Financial has historically grown through organic growth and acquisitions.
Future Projections: Future growth projections depend on market conditions and company performance. Analyst estimates are available on financial websites.
Recent Initiatives: Recent initiatives often focus on expanding their product offerings, enhancing their technology platform, and increasing their customer base.
Summary
Axos Financial is a technology-driven bank with lower overhead costs due to its online model. It provides a diverse set of financial products and has been growing. Threats to the company includes economic downtown, rising interest rates and cybersecurity breaches. Overall, Axos is positioned to grow and needs to focus on maintaining technological leadership.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Yahoo Finance
- Google Finance
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share and other data may vary depending on the source and methodology. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions.
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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