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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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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Axos Financial operates a digital-focused bank holding company through Axos Bank, providing deposit accounts, consumer and commercial lending, mortgage origination and servicing, payment and treasury services, and wealth management. Long-term growth may be driven by scale in digital distribution, fee-income diversification from mortgage and payments businesses, and expansion of commercial and treasury services, which could support revenue and margin improvement. Investors may find the company attractive for its low-cost online deposit base and diversified banking revenue mix.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Income before tax | 613.39M | 635.48M | 431.74M | 339.96M | 305.74M |
| Net income | 432.91M | 450.01M | 307.17M | 240.72M | 215.71M |
| Selling general administrative | 360.14M | 305.36M | 267.67M | 272.48M | 229.38M |
| Selling and marketing expenses | 47.76M | 42.80M | 37.15M | 13.58M | 14.21M |
| Gross profit | 1186.03M | 1040.93M | 890.18M | 705.34M | 632.85M |
| Reconciled depreciation | 29.02M | 27.09M | 23.39M | 35.49M | 34.72M |
| Ebit | 613.39M | 635.48M | 431.74M | 392.53M | 305.74M |
| Ebitda | 642.41M | 662.57M | 455.13M | 428.02M | 340.46M |
| Depreciation and amortization | 29.02M | 27.09M | 23.39M | 35.49M | 34.72M |
| Operating income | 613.39M | 635.48M | 431.74M | 392.53M | 305.74M |
| Other operating expenses | 1316.07M | 1132.13M | -458.43M | 56.68M | -327.11M |
| Interest expense | 687.69M | 694.18M | 374.02M | 52.57M | 79.12M |
| Tax provision | 180.49M | 185.47M | 124.58M | 99.24M | 90.04M |
| Interest income | 1815.46M | 1655.61M | 1157.14M | 659.73M | 617.86M |
| Net interest income | 1127.77M | 961.43M | 783.12M | 607.16M | 538.74M |
| Income tax expense | 180.49M | 185.47M | 124.58M | 99.24M | 90.04M |
| Total revenue | 1929.47M | 1767.61M | 890.18M | 705.34M | 632.85M |
| Total operating expenses | 572.63M | 405.45M | -458.43M | 56.68M | -327.11M |
| Cost of revenue | 743.44M | 726.68M | - | - | - |
| Total other income expense net | - | 71.85M | - | -52.57M | -79.12M |
| Net income from continuing ops | 432.91M | 450.01M | 307.17M | 240.72M | 215.71M |
| Net income applicable to common shares | 432.91M | 450.01M | 307.17M | 240.72M | 215.52M |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Total assets | 24783.08M | 22855.33M | 20348.47M | 17455.60M | 14265.57M |
| Intangible assets | 64.05M | 73.02M | 25.44M | 25.21M | 17.91M |
| Earning assets | - | - | - | - | 1240.28M |
| Other current assets | - | 2495.82M | 134.34M | 15.91M | -578.06M |
| Total liab | 22102.40M | 20564.74M | 18431.31M | 15812.63M | 12864.63M |
| Total stockholder equity | 2680.68M | 2290.60M | 1917.16M | 1642.97M | 1400.94M |
| Other current liab | 20829.54M | -301.13M | -696.59M | -54.44M | -744.99M |
| Common stock | 0.71M | 0.70M | 0.69M | 0.69M | 0.68M |
| Capital stock | 0.71M | 0.70M | 0.69M | 0.69M | 0.68M |
| Retained earnings | 2618.53M | 2185.62M | 1735.61M | 1428.44M | 1187.73M |
| Other liab | - | - | 397.19M | 829.07M | 535.42M |
| Good will | 97.67M | 97.67M | 152.15M | 156.41M | 115.97M |
| Other assets | 78.51M | -1962.97M | 17098.32M | 15127.19M | 12669.59M |
| Cash | 1933.85M | 1979.98M | 2233.03M | 1202.59M | 715.62M |
| Total current liabilities | 21180.15M | 6777.83M | 696.59M | 774.63M | 744.99M |
| Net debt | -1561.17M | -1564.30M | -1781.25M | -639.84M | -140.77M |
| Short term debt | - | 86.92M | 159.83M | 474.40M | 728.99M |
| Short long term debt | 0.00M | 30.00M | 0.00M | - | 0.00M |
| Short long term debt total | 372.67M | 415.68M | 451.78M | 562.74M | 574.86M |
| Other stockholder equity | 61.09M | 106.74M | 187.47M | 216.77M | 210.02M |
| Property plant equipment | 105.08M | - | 53.36M | 105.41M | 90.37M |
| Total current assets | 2374.17M | 4617.41M | 2839.45M | 1882.52M | 1272.77M |
| Long term investments | 66.06M | 141.96M | 233.11M | 264.28M | 189.32M |
| Net tangible assets | - | - | 1765.01M | 1642.97M | 1284.96M |
| Short term investments | 66.06M | 141.61M | 232.35M | 262.52M | 187.34M |
| Net receivables | 374.27M | 240.03M | 374.07M | 471.86M | 369.81M |
| Long term debt | 372.67M | 385.68M | 451.78M | 562.74M | 574.86M |
| Inventory | - | -2220.01M | 8.10M | 0.80M | 6.78M |
| Accounts payable | 350.61M | 301.13M | 696.59M | 829.07M | 744.99M |
| Accumulated other comprehensive income | 0.35M | -2.47M | -6.61M | -2.93M | 2.51M |
| Common stock total equity | - | - | 0.69M | 0.69M | 0.68M |
| Retained earnings total equity | - | - | 1735.61M | 1428.44M | 1187.73M |
| Treasury stock | - | - | - | - | -222.53M |
| Non currrent assets other | 1188.21M | 19888.23M | -410.70M | -445.89M | -323.20M |
| Non current assets total | 22408.90M | 20200.89M | 410.70M | 445.89M | 323.20M |
| Long term debt total | 312.67M | - | 361.78M | 445.24M | 221.36M |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Investments | -1841.07M | -2589.28M | -2390.35M | -2772.41M | -47.67M |
| Change to liabilities | - | - | -183.98M | 47.13M | -0.82M |
| Total cashflows from investing activities | -1841.07M | - | -2390.35M | -2776.68M | -866.77M |
| Net borrowings | -43.17M | - | -111.80M | 173.18M | 97.75M |
| Total cash from financing activities | 1341.31M | 2001.84M | 3009.78M | 3103.32M | -458.56M |
| Change to operating activities | - | - | - | -125.26M | -80.48M |
| Net income | 432.91M | 450.01M | 307.17M | 240.72M | 215.71M |
| Change in cash | -9.42M | -196.31M | 807.39M | 536.92M | -912.74M |
| Begin period cash flow | 2185.78M | 2382.09M | 1574.70M | 1037.78M | 1950.52M |
| End period cash flow | 2176.35M | 2185.78M | 2382.09M | 1574.70M | 1037.78M |
| Total cash from operating activities | 490.33M | 325.59M | 187.96M | 206.01M | 412.58M |
| Depreciation | 29.02M | 27.09M | 23.39M | 35.49M | 34.72M |
| Other cashflows from investing activities | -1845.49M | - | -8314.26M | -9905.62M | 0.61M |
| Dividends paid | - | - | 108.72M | 0.00M | 0.10M |
| Change to inventory | - | - | - | - | 465.78M |
| Change to account receivables | -12.69M | 134.05M | 43.34M | -98.36M | -149.55M |
| Sale purchase of stock | -58.20M | -96.29M | -48.96M | -14.48M | -21.91M |
| Other cashflows from financing activities | 1442.69M | 2219.92M | 3170.54M | 3090.25M | -13.40M |
| Change to netincome | - | - | 12.38M | 56.94M | 47.76M |
| Capital expenditures | 54.21M | 35.96M | 30.21M | 21.50M | 10.44M |
| Change receivables | - | - | 43.34M | -43.92M | -149.55M |
| Cash flows other operating | - | - | -12.72M | -115.46M | -46.96M |
| Cash and cash equivalents changes | - | - | 807.39M | 536.92M | -912.74M |
| Change in working capital | 79.38M | -122.44M | -154.36M | -113.00M | 106.51M |
| Stock based compensation | 41.97M | 35.19M | 26.10M | 21.24M | 20.68M |
| Other non cash items | -64.99M | -97.39M | 5.25M | 30.95M | 43.79M |
| Free cash flow | 436.12M | 269.52M | 157.74M | 184.51M | 402.14M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| AX Axos Financial Inc |
-0.75 0.81% |
91.55 | 12.22 | 9.55 | 4.31 | 1.86 | 4.89 |
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
9205 West Russell Road, Las Vegas, NV, United States, 89148
858 649 2218
1989
| Name | Title | Year Born |
|---|---|---|
| Mr. Gregory Garrabrants C.F.A., J.D. | Pres, CEO & Director | 1972 |
| Mr. Derrick K. Walsh CPA | Exec. VP & CFO | 1982 |
| Mr. Raymond D. Matsumoto | Exec. VP & COO | 1956 |
| Mr. Andrew J. Micheletti CPA(inactive) | Exec. VP of Fin. | 1957 |
| Mr. Thomas M. Constantine | Exec. VP & Chief Credit Officer | 1962 |
| Mr. Brian D. Swanson | Exec. VP & Head of Consumer Bank | 1980 |
| Mr. Johnny Y. Lai CFA | VP of Corp. Devel. & Investor Relations | NA |
| Mr. Eshel Bar-Adon | Exec. VP of Specialty Fin. & Chief Legal Officer | 1955 |
| Mr. John Charles Tolla | Exec. VP, Chief Governance, Risk & Compliance Officer | 1977 |
| Mr. Craig Cross | Chief Operating Officer of 1st Mortgage Lending | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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