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Axos Financial, Inc. (AX) stock

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NYSE: AX NYSE Regional Banks Next results ~January 28, 2027

C+ Fundamentals grade

Axos Financial, Inc. is a US-listed company in the regional banks industry. Its financial year ends in June.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 9 selling0 purchases and 13 sales by directors and officers, last 12 monthsInsider trades
  • Funds186 adding, 171 cuttingOf 46 active managers that changed their stake, 20 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Axos Financial files

10-Q filed October 29: Axos Financial

Axos Financial reported revenue of $1.55bn for the twelve months to September 2026. This marks a 23.0% increase on the prior year, a notable acceleration from the 17.6% growth recorded a quarter earlier. The pickup suggests underlying momentum has strengthened rather than faded, with the latest figure outpacing the previous period by a wide margin. For a company already growing at a healthy clip, such an uplift is worth noting, as it points to demand or pricing dynamics that are building rather than levelling off. Taken together, the trend indicates that Axos Financial's top line is expanding at a faster pace than it was just three months prior, reinforcing the sense of improving commercial traction across the period under review.

Our model value for Axos Financial is under review, so past values are not shown until it is resolved.

Source: 10-Q filed October 29, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where Axos Financial stands after its latest 10-K

Revenue for the twelve months to June 2026 was $1.48bn, up 17.6% on a year earlier, faster than the 15.8% growth a quarter earlier.

10-K on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 28, 2027 (estimated)

Axos Financial, Inc.'s trailing-twelve-month revenue grew 23.0% year on year, with a free-cash-flow margin of 26.9%. Where it stands out: change in growth rate of +5.4pp ranks 42 of 244 regional banks companies we cover. Where it lags: stock pay as % of revenue of 2.9% ranks 186 of 206 regional banks companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow fell 15.2% while net income grew 17.3%: a 33pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Fast growth. Revenue grew 23.0% over the last 12 months, against a median of 12.5% for regional banks companies we cover.
  • Growth speeding up. The growth rate is 5.4 points higher than a quarter earlier.
  • Strong cash generation. 26.9% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $1.6bn.

Things to watch

  • Below peers: stock pay as % of revenue. Stock pay as % of revenue of 2.9% ranks 186 of 206 regional banks companies we cover (median 1.3%).

Latest results: FY2027 Q1

Filed October 29, 2026
Earnings per share
$2.34 against an average estimate of $2.26: beat by 3.7%
Revenue
$395m, up 22.2% on a year earlier
Share reaction
-1.2% in the first session after the results on October 29, 2026, against -2.1% for the S&P 500
Next report
January 28, 2027; average EPS estimate $2.39

Axos Financial's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+4.8%
  • 1 week+3.2%
  • 1 month+6.5%
  • This year+9.9%
  • 1 year+21.5%
  • 5 years+63.8%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$1.6B
Net margin
32.7%
EPS (TTM, diluted)
$8.95

Growth

Revenue growth
+23.0%
Change in growth rate
+5.4 pts
Share count change
−0.1%

Earnings

Last results
October 29, 2026
Next results (est.)
January 28, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Results
  3. Deal
  4. Announcement
  5. Announcement
  6. Announcement
  7. Results
  8. Announcement
  9. Deal
  10. Announcement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Axos Financial, Inc. valuation models and calculator

No model value for Axos Financial, Inc. at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: valuation models disagree too widely to rate: held for review.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Axos Financial, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 9%: the 10-year Treasury yield (4.9%) plus a beta of 0.89 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$170 ~$120–$260 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$140 ~$120–$170 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$100 ~$69–$130 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$47 ~$60–$90 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$100 ~$100–$130 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: This model is withheld pending its input or assumption review.
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Axos Financial, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

89 /100

Strong moat

How hard Axos Financial's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 20 / 20

    Net income has been a median 1.6% of total assets over 10 years.

  • Durability 20 / 20

    Net margin has been a median 34.2%; its worst year was 31.0%.

  • Discipline 17 / 20

    The diluted share count fell 4.2% over five years; stock-based pay has been a median 3.2% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (94 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 28, 2027, after the close. Analysts expect revenue of $402m and EPS of $2.39 (range $2.24 to $2.51) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $9.68 +11% $1.6bn +10%
Next $10.79 +12% $1.8bn +11%

Next year's EPS estimate has moved +1.3% in 90 days, across 5 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +0.7% on 90 days ago. In the last 30 days, 1 analyst raised Axos Financial, Inc.'s forecast and 0 cut it.

Consensus EPS forecast Axos Financial, Inc., last 90 days
$9.50 $10.00 $10.50 $11.00 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $9.61 Current fiscal year, 60 days ago: $9.66 Current fiscal year, 30 days ago: $9.66 Current fiscal year, 7 days ago: $9.66 Current fiscal year, Now: $9.68 $9.68 Next fiscal year, 90 days ago: $10.65 Next fiscal year, 60 days ago: $10.80 Next fiscal year, 30 days ago: $10.80 Next fiscal year, 7 days ago: $10.82 Next fiscal year, Now: $10.79 $10.79

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $9.61$10.65
60 days ago $9.66$10.80
30 days ago $9.66$10.80
7 days ago $9.66$10.82
Now $9.68$10.79

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $2.26 $2.34 +3.7%
Jun 2026 $2.16 $2.53 +17.4%
Mar 2026 $2.13 $1.90 −10.8%
Dec 2025 $2.07 $2.25 +8.5%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 29, 2026

No numeric guidance in Axos Financial, Inc.'s latest earnings release (filed October 29, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

7 analysts, Oct 2026
Buy686%
Hold114%
Sell00%

Monthly trend

  1. Oct 20261517
  2. Sep 20261517
  3. Aug 20261517
  4. Jul 20261517

Counts of recommendations published by analysts covering Axos Financial, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
7.2%
of tradable shares
Days to cover
7.76
at average volume
Short interest, 1 month
+3%
to October 15, 2026
Held by institutions
88%
of shares
Held by insiders
4.4%
of shares
Employees
2,191
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +21.5%

$77.98 on October 31, 2025 to $94.71

ThenNowEffect
Revenue (last 12 months) $1.3bn $1.5bn +17.6%
Net margin 34.4% 33.1% −3.7%
P/E multiple 10.2x 10.9x +6.8%
Share count 57m 57m +0.4%

Biggest factor: revenue.

Last 3 years +132.7%

$40.70 on November 3, 2023 to $94.71

ThenNowEffect
Revenue (last 12 months) $904m $1.5bn +63.8%
Net margin 34.0% 33.1% −2.6%
P/E multiple 7.9x 10.9x +38.4%
Share count 60m 57m +5.4%

Biggest factor: revenue.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
AX+49%−32%+43%+28%+23%+10%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
AX75%50%50%58%58%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
AX−16%−43%−35%−23%−23%−19%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 67% from June 6, 2018 to March 23, 2020. Getting back needed a 206% gain, reached on February 9, 2021, 323 days after the low.

Price behaviour

52-week range
$75.60 – $105.10
From 52-week high
−9.9%
vs 50-day average
+3.4%
vs 200-day average
+2.6%
Volatility (1 year)
30%
Beta vs S&P 500
0.81

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
6 up, 6 down
typical move ±3.8%
After a week
6 up, 5 down
typical move ±8.2%
After a month
5 up, 6 down
typical move ±8.1%
Results releasedNext dayS&P 500 next day5 days21 days
October 29, 2026 −1.2% −2.1% — —
July 30, 2026 +3.3% +2.4% +3.8% −0.3%
April 30, 2026 −7.9% +1.3% −7.6% −9.0%
January 29, 2026 +7.8% −0.5% +7.0% −2.6%
October 30, 2025 −1.0% −0.8% +1.1% +5.0%
July 30, 2025 +0.9% −0.5% −0.6% +6.7%
April 30, 2025 +2.4% +0.7% +4.9% +8.8%
January 28, 2025 −4.4% +0.4% −1.9% −8.5%
October 30, 2024 +2.1% −2.3% +23.0% +25.0%
July 30, 2024 −4.7% +1.1% −15.2% −10.2%
April 30, 2024 +7.6% −1.9% +14.8% +4.8%
January 30, 2024 −2.5% −1.7% −10.0% −8.4%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Axos Financial, Inc. in five measures

Fundamentals grade C+
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Axos Financial, Inc.
$1B $1.2B $1.4B $1.6B FY24 Q2 FY25 Q1 FY25 Q4 FY27 Q1 Revenue (TTM), FY24 Q2: $1.1B Revenue (TTM), FY24 Q3: $1.1B Revenue (TTM), FY24 Q4: $1.2B Revenue (TTM), FY25 Q1: $1.3B Revenue (TTM), FY25 Q2: $1.2B Revenue (TTM), FY25 Q3: $1.2B Revenue (TTM), FY25 Q4: $1.3B Revenue (TTM), FY26 Q1: $1.3B Revenue (TTM), FY26 Q2: $1.3B Revenue (TTM), FY26 Q3: $1.4B Revenue (TTM), FY26 Q4: $1.5B Revenue (TTM), FY27 Q1: $1.6B $1.6B

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue (TTM)
FY24 Q2 $1.1B
FY24 Q3 $1.1B
FY24 Q4 $1.2B
FY25 Q1 $1.3B
FY25 Q2 $1.2B
FY25 Q3 $1.2B
FY25 Q4 $1.3B
FY26 Q1 $1.3B
FY26 Q2 $1.3B
FY26 Q3 $1.4B
FY26 Q4 $1.5B
FY27 Q1 $1.6B
Revenue growth, TTM YoY Axos Financial, Inc.
0% 10% 20% 30% 40% FY24 Q2 FY25 Q1 FY25 Q4 FY27 Q1 Revenue growth, TTM YoY, FY24 Q2: 32.1% Revenue growth, TTM YoY, FY24 Q3: 31.4% Revenue growth, TTM YoY, FY24 Q4: 31.0% Revenue growth, TTM YoY, FY25 Q1: 33.7% Revenue growth, TTM YoY, FY25 Q2: 13.9% Revenue growth, TTM YoY, FY25 Q3: 8.7% Revenue growth, TTM YoY, FY25 Q4: 6.3% Revenue growth, TTM YoY, FY26 Q1: 0.2% Revenue growth, TTM YoY, FY26 Q2: 10.3% Revenue growth, TTM YoY, FY26 Q3: 15.8% Revenue growth, TTM YoY, FY26 Q4: 17.6% Revenue growth, TTM YoY, FY27 Q1: 23.0% 23.0%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue growth, TTM YoY
FY24 Q2 32.1%
FY24 Q3 31.4%
FY24 Q4 31.0%
FY25 Q1 33.7%
FY25 Q2 13.9%
FY25 Q3 8.7%
FY25 Q4 6.3%
FY26 Q1 0.2%
FY26 Q2 10.3%
FY26 Q3 15.8%
FY26 Q4 17.6%
FY27 Q1 23.0%
FCF margin (TTM) Axos Financial, Inc.
0% 10% 20% 30% 40% FY24 Q2 FY25 Q1 FY25 Q4 FY27 Q1 FCF margin (TTM), FY24 Q2: 13.0% FCF margin (TTM), FY24 Q3: 27.4% FCF margin (TTM), FY24 Q4: 22.8% FCF margin (TTM), FY25 Q1: 23.4% FCF margin (TTM), FY25 Q2: 28.3% FCF margin (TTM), FY25 Q3: 24.5% FCF margin (TTM), FY25 Q4: 34.6% FCF margin (TTM), FY26 Q1: 39.0% FCF margin (TTM), FY26 Q2: 31.5% FCF margin (TTM), FY26 Q3: 17.9% FCF margin (TTM), FY26 Q4: 19.7% FCF margin (TTM), FY27 Q1: 26.9% 26.9%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period FCF margin (TTM)
FY24 Q2 13.0%
FY24 Q3 27.4%
FY24 Q4 22.8%
FY25 Q1 23.4%
FY25 Q2 28.3%
FY25 Q3 24.5%
FY25 Q4 34.6%
FY26 Q1 39.0%
FY26 Q2 31.5%
FY26 Q3 17.9%
FY26 Q4 19.7%
FY27 Q1 26.9%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2026, from the 10-K

What Axos Financial earned on its loans and securities in FY2026, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $2B
  2. Fee and other income $234M · 15.8%
  3. Interest paid $710M
  4. Net interest income $1.2B · 84.2%
  5. Revenue $1.5B
  6. Non-interest expense $733M · 49.5%
  7. Credit-loss provisions $101M · 6.8%
  8. Pre-tax profit $647M · 43.7%
  9. Income tax $156M · 10.6%
  10. Net income $490M · 33.1%

Shares of revenue. Source: Axos Financial's 10-K for FY2026, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2010 Jun 2010 2011 Jun 2011 2012 Jun 2012 2013 Jun 2013 2014 Jun 2014 2015 Jun 2015 2016 Jun 2016 2017 Jun 2017 2018 Jun 2018 2019 Jun 2019 2020 Jun 2020 2021 Jun 2021 2022 Jun 2022 2023 Jun 2023 2024 Jun 2024 2025 Jun 2025 2026 Jun 2026 LTM Sept 2026
Income
Revenue 59 67 96 129 160 230 327 381 439 491 581 644 721 904 1,184 1,259 1,480 1,552
Net income 21 21 29 40 56 83 119 135 152 155 183 216 241 307 450 433 490 508
Diluted EPS $2.22 $1.87 $2.33 $2.89 $0.96 $1.34 $1.87 $2.10 $2.37 $2.48 $2.98 $3.56 $3.97 $5.07 $7.66 $7.43 $8.48 $8.95
Growth (year on year)
Revenue — +12.8% +43.7% +35.4% +23.4% +43.9% +42.6% +16.5% +15.2% +11.8% +18.2% +10.9% +11.9% +25.4% +31.0% +6.3% +17.6% +23.0%
Net income — −2.6% +43.2% +36.7% +38.9% +47.8% +44.3% +13.0% +13.1% +1.8% +18.2% +17.6% +11.6% +27.6% +46.5% −3.8% +13.3% +17.3%
Diluted EPS — −15.8% +24.6% +24.0% −66.8% +39.6% +39.6% +12.3% +12.9% +4.6% +20.2% +19.5% +11.5% +27.7% +51.1% −3.0% +14.1% +17.3%
Margins
Net margin 35.8% 30.9% 30.8% 31.2% 35.1% 36.0% 36.4% 35.3% 34.7% 31.6% 31.6% 33.5% 33.4% 34.0% 38.0% 34.4% 33.1% 32.7%
Free-cash-flow margin −26.2% 1.5% −61.6% 9.2% 11.4% 48.4% 47.9% 49.8% 35.5% 37.5% 46.8% 62.4% 27.1% 18.4% 22.8% 34.6% 19.7% 26.9%
Cash flow
Cash from operations −15 4 −56 16 21 116 167 198 168 204 284 413 217 197 305 490 558 734
Capital spending 0 3 3 4 3 5 10 9 12 20 12 10 22 30 36 54 266 317
Free cash flow −15 1 −59 12 18 111 157 190 156 184 272 402 195 166 270 436 291 417
Stock-based pay 1 2 2 3 4 7 11 15 20 23 22 21 21 26 35 42 44 45
Free cash flow after stock pay −16 −1 −61 9 14 104 145 175 136 161 250 381 174 140 234 394 247 373
Balance sheet
Cash 18 9 35 202 156 223 487 644 623 857 1,951 1,038 1,575 2,233 1,980 1,934 1,109 1,634
Total debt 0 0 0 0 0 0 0 0 55 169 236 221 449 365 328 314 577 512
Net debt (negative = net cash) −18 −9 −35 −202 −156 −223 −487 −644 −568 −688 −1,715 −816 −1,126 −1,868 −1,652 −1,620 −532 −1,122
Diluted shares 8,869m 11m 11m 13m 57m 61m 64m 64m 63m 62m 61m 59m 60m 60m 58m 57m 57m 57m
Returned to shareholders
Buybacks — — — — — — 0 0 35 56 39 17 0 49 96 58 22 —
Total returned — — — — — — 0 0 35 56 39 17 0 49 96 58 22 —

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q1 TTM
Buybacks (TTM)
$58.2M
Returned to shareholders
12%
of free cash flow
Buybacks, last 3 fiscal years
$176M
Diluted share count
−0.1%
year over year
Total shareholder yield
1.1%
dividends 0.0% + buybacks 1.1% of market value

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated AX BANC AUB INTR HWC ASB Median
Revenue, last 12 months $1.6bn $1.5bn $1.5bn $1.5bn $1.5bn $1.7bn $255m
Revenue growth, last 12 months 23.0% −12.9% 46.5% 26.1% −0.2% 45.2% 12.5%
Revenue growth, 3-year average 18.1% −15.8% 29.8% — 0.2% 8.2% 6.0%
Revenue growth, latest quarter 22.2% −60.2% 3.1% — 6.9% 20.2% 10.7%
Net margin 32.7% −1.4% 31.6% 15.6% 29.1% 31.2% 28.7%
Cash from operations / revenue 47.3% 25.1% 35.6% 92.0% 39.3% 52.8% 34.3%
Free-cash-flow margin 26.9% 23.5% 34.3% 90.7% 38.1% 49.8% 31.4%
Free-cash-flow margin, 3-year average 29.8% 12.6% 90.8% — 38.7% 44.3% 29.9%
Stock pay / revenue 2.9% 0.5% 1.7% 0.0% 1.7% 2.1% 1.2%
Change in share count −0.1% −4.6% 36.1% 1.0% −3.6% 8.0% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measure Company Peer median Rank
Revenue growth Growth 23.0% 12.5% 61 of 245
Change in growth rate Growth +5.4pp +0.0pp 42 of 244
Net margin Profitability 32.7% 28.7% 67 of 245
Stock pay as % of revenue Cash generation 2.9% 1.3% 186 of 206
Change in share count Balance sheet -0.1% 0.4% 89 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to June 30, 2026
Products and services
Line of business Revenue Share YoY
Advisory Fee Income $36M 44.3% ▲ 13.2%
Broker Dealer Clearing Fees $24.2M 29.8% ▲ 9.0%
Card Fees and Other $10M 12.3% ▲ 249.7%
Deposit Service Fees $8.4M 10.3% ▲ 54.1%
Technology and Service Fees $2.6M 3.3% ▼ 23.8%

From Axos Financial, Inc.'s 10-K filed August 20, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$4.7B
Institutions reporting
380
Shares held vs prior quarter
▲ 1.4%
Positions opened / closed
49 / 46

Top buyers and sellers, Q2 2026: 186 institutions bought and 171 sold ; the biggest buyer was FMR LLC (+532K shares) and the biggest seller Wellington Management Group LLP (−367K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $817M 8.4M 17.3% ▲ 0.8%
Vanguard Portfolio Management LLC $305M 3.1M 6.5% ▲ 1.5%
State Street Corp $294M 3.0M 6.2% ▲ 7.4%
FMR LLC $289M 3.0M 6.1% ▲ 21.8%
American Century Companies Inc $264M 2.7M 5.6% ▲ 7.8%
Vanguard Capital Management LLC $240M 2.5M 5.1% ▲ 0.5%
Dimensional Fund Advisors LP $214M 2.2M 4.5% ▲ 0.9%
Geode Capital Management, LLC $194M 2.0M 4.1% ▲ 0.4%
Davis Asset Management, L.P. $150M 1.5M 3.2% 0.0%
Charles Schwab Investment Management Inc $73.2M 752K 1.5% ▲ 2.7%
Franklin Resources Inc $69.6M 714K 1.5% ▼ 5.4%
Northern Trust Corp $69.2M 710K 1.5% ▲ 3.7%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Axos Financial, Inc.'s complete shareholder register. Values are as reported by the filers ; 1 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $7.4M 13 trades by 9 insiders · 0% under pre-set plans
Net ▼ $7.4M net selling
Insider Date Trade Shares Price Value
Santi Roque A Director August 5, 2026 Sell 500 $105.30 $52,650
Constantine Thomas M 10% owner June 8, 2026 Sell 1,994 $88.55 $176,569
Watson Michael James 10% owner May 19, 2026 Sell 1,653 $83.77 $138,472
Santi Roque A Director May 8, 2026 Sell 500 $87.77 $43,885
Nick Mosich Director February 17, 2026 Sell 1,275 $98.00 $124,950
Nick Mosich Director February 17, 2026 Sell 1,275 $98.00 $124,950
Nick Mosich Director February 11, 2026 Sell 1,000 $97.00 $97,000
Court James John Director February 6, 2026 Sell 11,163 $101.01 $1.1M
Walsh Derrick EVP, Chief Financial Officer February 6, 2026 Sell 4,846 $101.21 $490,464
Constantine Thomas M 10% owner February 6, 2026 Sell 3,260 $100.00 $326,000
Garrabrants Gregory President and CEO February 4, 2026 Sell 43,294 $99.10 $4.3M
Bohlig Tamara N Director December 8, 2025 Sell 2,145 $86.23 $184,963

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 28, 2027 estimated from the company's past filing pattern, not announced

  • October 29, 2026
  • July 30, 2026
  • April 30, 2026
  • January 29, 2026
  • October 30, 2025
  • July 30, 2025

Recent SEC filings

Data status

When each part of this page on Axos Financial, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Axos Financial, Inc. in brief

What does Axos Financial, Inc. do?
Axos Financial, Inc. is a US-listed company in the regional banks industry. Its financial year ends in June.
What is Axos Financial, Inc.'s stock ticker?
Axos Financial, Inc. trades under the ticker AX on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Axos Financial, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Axos Financial, Inc. reported revenue of $1.6B, 23.0% higher than a year earlier, according to its SEC filings.
What is Axos Financial, Inc.'s free cash flow?
Axos Financial, Inc.'s free-cash-flow margin is 26.9% of revenue over the trailing twelve months.
Who are Axos Financial, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Vanguard Portfolio Management LLC and State Street Corp. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Axos Financial, Inc. buying back stock, and does it pay a dividend?
Axos Financial, Inc. spent $58.2M on share repurchases over the trailing twelve months, and its diluted share count fell 0.1% over the year.
What is Axos Financial, Inc.'s market cap?
On November 2, 2026, Axos Financial, Inc.'s market capitalisation was about $5.4B, with a price-to-earnings ratio of 10.6 and net debt of -$1.1B. Market figures come from third-party market data and may be delayed.
Who are Axos Financial, Inc.'s competitors?
In our Regional Banks peer group, the companies closest to Axos Financial, Inc. are Banc Of California, Inc., Atlantic Union Bankshares Corp, Inter & Co, Inc., Hancock Whitney Corp and Associated Banc-corp. The side-by-side comparison below sets their revenue, margins and growth against Axos Financial, Inc.'s.
Are insiders buying or selling Axos Financial, Inc. stock?
Over the last 12 months, Axos Financial, Inc.'s directors and officers reported 0 open-market purchases and 13 sales on Form 4. The insider trading page charts every trade.
When is Axos Financial, Inc.'s next earnings date?
Around January 28, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Axos Financial, Inc. announces its own schedule.