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Axos Financial Inc

Financial Services US AX

70.55USD
-2.04(2.81%)

Last update at 2025-06-13T16:51:00Z

Day Range

69.7871.72
LowHigh

52 Week Range

44.1088.46
LowHigh

Fundamentals

  • Previous Close 72.59
  • Market Cap4539.42M
  • Volume249524
  • P/E Ratio9.68
  • Dividend Yield-%
  • Revenue TTM1127.19M
  • Revenue Per Share TTM19.77
  • Gross Profit TTM 702.02M
  • Diluted EPS TTM8.21

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Income before tax 431.74M 339.96M 305.74M 262.63M 212.81M
Minority interest - - - - -
Net income 307.17M 240.72M 215.71M 183.44M 155.13M
Selling general administrative 267.67M 272.48M 229.38M 205.44M 195.80M
Selling and marketing expenses 37.15M 13.58M 14.21M 14.52M 14.71M
Gross profit 890.18M 705.34M 632.85M 572.39M 488.54M
Reconciled depreciation 23.39M 35.49M 34.72M 34.99M 16.47M
Ebit 431.74M 392.53M 305.74M 262.63M 369.09M
Ebitda 455.13M 428.02M 340.46M 280.78M 385.56M
Depreciation and amortization 23.39M 35.49M 34.72M 18.14M 16.47M
Non operating income net other - - - - -
Operating income 431.74M 392.53M 305.74M 262.63M 369.09M
Other operating expenses -458.43200M 56.68M -327.10800M -309.75600M 119.45M
Interest expense 374.02M 52.57M 79.12M 145.23M 156.28M
Tax provision 124.58M 99.24M 90.04M 79.19M 57.67M
Interest income 1157.14M 659.73M 617.86M 622.84M 564.89M
Net interest income 783.12M 607.16M 538.74M 477.61M 408.61M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 124.58M 99.24M 90.04M 79.19M 57.67M
Total revenue 890.18M 705.34M 632.85M 572.39M 488.54M
Total operating expenses -458.43200M 56.68M -327.10800M -309.75600M -119.45200M
Cost of revenue - - - - -
Total other income expense net - -52.57000M -79.12100M -145.22800M -156.28200M
Discontinued operations - - - - -
Net income from continuing ops 307.17M 240.72M 215.71M 183.44M 155.13M
Net income applicable to common shares 307.17M 240.72M 215.52M 183.13M 154.82M
Preferred stock and other adjustments - - - - -
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Total assets 22855.33M 20348.47M 17455.60M 14265.57M 13851.90M
Intangible assets 73.02M 25.44M 25.21M 17.91M 10.68M
Earning assets - - - 1240.28M 747.54M
Other current assets 2495.82M 134.34M 15.91M -578.05700M -421.77700M
Total liab 20564.74M 18431.31M 15812.63M 12864.63M 12621.05M
Total stockholder equity 2290.60M 1917.16M 1642.97M 1400.94M 1230.85M
Deferred long term liab - - - - -
Other current liab -301.12700M -696.59100M -54.44000M -744.98600M -702.07800M
Common stock 0.70M 0.69M 0.69M 0.68M 0.67M
Capital stock 0.70M 0.69M 0.69M 0.68M 5.74M
Retained earnings 2185.62M 1735.61M 1428.44M 1187.73M 1009.30M
Other liab - 397.19M 829.07M 535.42M 327.23M
Good will 97.67M 152.15M 156.41M 115.97M 125.39M
Other assets -1962.96700M 17098.32M 15127.19M 12669.59M 11363.73M
Cash 1979.98M 2233.03M 1202.59M 715.62M 1756.48M
Cash and equivalents - - - - -
Total current liabilities 6777.83M 696.59M 774.63M 744.99M 702.08M
Current deferred revenue - - - - -
Net debt -1564.30000M -1781.24800M -639.84300M -140.76600M -1278.18800M
Short term debt 86.92M 159.83M 474.40M 728.99M 151.95M
Short long term debt 30.00M 0.00000M - 0.00000M 151.95M
Short long term debt total 415.68M 451.78M 562.74M 574.86M 478.29M
Other stockholder equity 106.74M 187.47M 216.77M 210.02M 216.75M
Property plant equipment - 53.36M 105.41M 90.37M 103.58M
Total current assets 4617.41M 2839.45M 1882.52M 1272.77M 2164.37M
Long term investments 141.96M 233.11M 264.28M 189.32M 187.73M
Net tangible assets - 1765.01M 1642.97M 1284.96M 1100.39M
Short term investments 141.61M 232.35M 262.52M 187.34M 187.63M
Net receivables 240.03M 374.07M 471.86M 369.81M 220.27M
Long term debt 385.68M 451.78M 562.74M 574.86M 235.79M
Inventory -2220.00700M 8.10M 0.80M 6.78M 6.41M
Accounts payable 301.13M 696.59M 829.07M 744.99M 550.13M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -2.46600M -6.61000M -2.93300M 2.51M -0.93700M
Additional paid in capital - - - - -
Common stock total equity - 0.69M 0.69M 0.68M 0.67M
Preferred stock total equity - - - - 5.06M
Retained earnings total equity - 1735.61M 1428.44M 1187.73M 1009.30M
Treasury stock - - - -222.53000M -195.12500M
Accumulated amortization - - - - -
Non currrent assets other 19888.23M -410.70000M -445.89400M -323.20100M -323.79600M
Deferred long term asset charges - - - - -
Non current assets total 20200.89M 410.70M 445.89M 323.20M 323.80M
Capital lease obligations - - - - -
Long term debt total - 361.78M 445.24M 221.36M 235.79M
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Investments -2589.28000M -2390.35100M -2772.41200M -47.67100M 5082.17M
Change to liabilities - -183.97800M 47.13M -0.81700M 106.66M
Total cashflows from investing activities - -2390.35100M -2776.68400M -866.76900M -1348.43900M
Net borrowings - -111.80000M 173.18M 97.75M -75.30000M
Total cash from financing activities 2001.84M 3009.78M 3103.32M -458.55500M 2157.47M
Change to operating activities - - -125.26100M -80.48500M -74.12600M
Net income 450.01M 307.17M 240.72M 215.71M 183.44M
Change in cash -196.31000M 807.39M 536.92M -912.74200M 1093.15M
Begin period cash flow 2382.09M 1574.70M 1037.78M 1950.52M 857.37M
End period cash flow 2185.78M 2382.09M 1574.70M 1037.78M 1950.52M
Total cash from operating activities 325.59M 187.96M 206.01M 412.58M 266.63M
Issuance of capital stock - - - - -
Depreciation 27.09M 23.39M 35.49M 34.72M 18.14M
Other cashflows from investing activities - -8314.25600M -9905.61700M 0.61M -6418.27600M
Dividends paid - 108.72M 0.00000M 0.10M 0.39M
Change to inventory - - - 465.78M 11.74M
Change to account receivables 134.05M 43.34M -98.36500M -149.54900M -17.07400M
Sale purchase of stock -96.28600M -48.96300M -14.48100M -21.90700M -38.85800M
Other cashflows from financing activities 2219.92M 3170.54M 3090.25M -13.39600M -7.45700M
Change to netincome - 12.38M 56.94M 47.76M 76.19M
Capital expenditures 35.96M 30.21M 21.50M 10.44M 12.33M
Change receivables - 43.34M -43.92500M -149.54900M -17.07400M
Cash flows other operating - -12.72400M -115.45600M -46.96200M -90.03800M
Exchange rate changes - - - - -
Cash and cash equivalents changes - 807.39M 536.92M -912.74200M 1093.15M
Change in working capital -122.43800M -154.36000M -112.99600M 106.51M 52.15M
Stock based compensation 35.19M 26.10M 21.24M 20.68M 21.93M
Other non cash items -97.39500M 5.25M 30.95M 43.79M -2.29700M
Free cash flow 269.52M 157.74M 184.51M 402.14M 254.30M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company 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		 -2.04 2.81% 70.55 9.68 10.28 4.03 1.89 4.23
HDB
HDFC Bank Limited ADR		 -1.95 2.57% 73.93 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.32 0.96% 32.98 6.61 5.68 0.48 0.77 3.43
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 6.50 6.10 5.67 0.44 0.77 3.43
IBN
ICICI Bank Limited		 -0.405 1.21% 33.09 17.79 16.95 0.07 3.08

Reports Covered

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Profile

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It 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 various 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.

Axos Financial Inc

9205 West Russell Road, Las Vegas, NV, United States, 89148

Key Executives

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

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