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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
10/09/2026: AX (2-star) is currently NOT-A-BUY. Pass it for now.
Axos Financial is a diversified financial holding company that operates a digital-first, branchless bank alongside securities clearing and custody services. Its primary strength lies in its highly efficient, low-cost operating model, which has consistently supported strong margins compared to traditional regional banks. The company's growth strategy centers on expanding its specialized commercial lending and diversifying revenue through fee-based services. Risks include potential real estate market volatility, intense competition from fintechs and traditional banks, and regulatory pressure. The stock is best suited for growth-oriented investors who are comfortable with the inherent volatility of a digitally-focused financial firm that does not currently 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's focus on digital-first banking and consistent earnings growth appeals to those seeking capital appreciation. |
| Momentum investor | Strong fit while signal remains positive | The stock has demonstrated long-term upward price trends consistent with steady operational execution. |
| Value investor | Mixed fit | While valuation is often reasonable, the stock is frequently priced as a growth entity rather than a traditional value bank. |
| Dividend investor | Weak fit | Axos does not currently pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | As a growth-oriented financial stock, it exhibits volatility higher than more traditional, conservative banking institutions. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock can experience sharp price movements influenced by broader market sentiment toward banking and fintech. |
| Valuation risk | Medium | Higher valuation multiples compared to traditional banks require consistent earnings delivery to justify price levels. |
| Competition risk (fintech and digital banking) | High | Intense competition from well-funded fintechs and traditional banks digitizing their services threatens market share. |
| Business quality | Medium / high | The digital-first model provides strong operating efficiencies, though sustained execution is required to maintain competitive advantages. |
| Dividend income | Low / none | The absence of a dividend means investors rely solely on price appreciation for total returns. |
| Execution risk | Medium | Management must successfully integrate acquisitions and scale new service lines without compromising core asset quality. |
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 10/09/2026 |
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 5.03B USD | Price to earnings Ratio 10.43 | 1Y Target Price 117.71 |
Price to earnings Ratio 10.43 | 1Y Target Price 117.71 | ||
Volume (30-day avg) 380.3K shares | Beta 1.29 | 52 Weeks Range 74.89 - 105.74 | Updated Date 10/11/2026 |
52 Weeks Range 74.89 - 105.74 | Updated Date 10/11/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 8.48 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking Services | Interest income from commercial real estate, single-family, and specialty finance loans. | The bank earns money primarily by collecting interest on loans it provides to businesses and consumers. |
| Securities Services | Fees from clearing, custody, and digital investment advisory services. | Axos earns stable fee-based income by providing the 'plumbing' and technology for investment brokers and advisors. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 10.43 | Forward PE 9.55 | Enterprise Value 5.27B | Price to Sales(TTM) 3.65 |
Enterprise Value 5.27B | Price to Sales(TTM) 3.65 | ||
Enterprise Value to Revenue 4.02 | 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 88.34 |
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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