Stocktoria

Axos Financial, Inc. AX

NYSE · stock · Savings Institution, Federally Chartered · website · IPO 2005-03-15 · LEI

Axos Financial, Inc. statistics & valuation

Market cap$5.5B
P / E12.6×
P / S83.2×
P / B2.0×
Net margin658.0%
Return on equity16.1%
Net cash$1.6B
Enterprise value USD$3.9B
Graham number -11.3%$88.78

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($88.78); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
1725.50% 561.50% 684.00% 688.40% 405.00% 470.70% 696.20% 658.00% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
17.50% 16.20% 15.90% 14.50% 14.90% 15.40% 14.70% 16.00% 19.60% 16.10% 2016201720182019202020212022202320242025
Shares outstanding
63.6M 63.7M 63.1M 61.9M 60.8M 59.3M 59.8M 59.7M 57.5M 56.9M 2016201720182019202020212022202320242025
Net debt ($)
-$568.3M $168.9M $235.8M -$816.4M -$1.13B -$1.87B -$1.65B -$1.62B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.60% 1.60% 1.60% 1.40% 1.30% 1.50% 1.40% 1.50% 2.00% 1.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.06× 0.16× 0.19× 0.16× 0.27× 0.19× 0.14× 0.12× 2016201720182019202020212022202320242025
EPS ($)
$1.87 $2.10 $2.37 $2.48 $2.98 $3.56 $3.97 $5.07 $7.66 $7.43 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Axos Financial, Inc. trades at about 13.5× earnings — above its 10-year norm (10-year range 7.5×–16.5×, median 11.6×).

7.5× 16.5×

Shaded band = 10-year range (7.5×–16.5×); dot = today's 13.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin658.0%696.2%470.7%405.0%688.4%684.0%561.5%1725.5%——
Return on assets1.7%2.0%1.5%1.4%1.5%1.3%1.4%1.6%1.6%1.6%
Return on equity16.1%19.6%16.0%14.7%15.4%14.9%14.5%15.9%16.2%17.5%
Debt / equity0.12×0.14×0.19×0.27×0.16×0.19×0.16×0.06×——

Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.