Stocktoria
Axos Financial, Inc. AX
Axos Financial, Inc. (AX) earns a Piotroski F-score of 5/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $65.8M at a 658.0% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-04-07 | Raymond James | Strong Buy (up) |
| 2026-03-16 | Needham | Buy (reit) |
| 2026-02-13 | Needham | Buy (reit) |
| 2026-01-30 | Jefferies | Buy (main) |
| 2026-01-30 | DA Davidson | Buy (main) |
| 2026-01-30 | Needham | Buy (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| AX | Axos Financial, Inc. | 5/9 | — | 12.6 | +1.8% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | 5/9 | — | 10.6 | +7.1% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
| FCAP | FIRST CAPITAL INC | 5/9 | — | 13.5 | — |
| NFBK | Northfield Bancorp, Inc. | 5/9 | — | 786.5 | — |
| CARV | CARVER BANCORP INC | 3/9 | — | — | — |
All Finance, Insurance & Real Estate companies →
About Axos Financial, Inc.
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.
FAQ
Is AX financially healthy?
Axos Financial, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does AX pay a dividend?
No, Axos Financial, Inc. does not currently pay a dividend.
How profitable is AX?
In FY2025, Axos Financial, Inc. had a net margin of 658.0% and a return on equity of 16.1%.
Is AX overvalued or undervalued?
Axos Financial, Inc. trades at about 13.5× trailing earnings — above its 10-year norm (10-year range 7.5×–16.5×, median 11.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for AX?
The average Wall-Street price target for Axos Financial, Inc. is $111.00, about 10.9% above the recent price, from 6 analysts (consensus: strong buy).
Is AX a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Axos Financial, Inc.: a Piotroski F-score of 5/9, a P/E of about 12.6×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.