US · AX
Axos Financial, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Las Vegas, NV 89148
- Website
- axosfinancial.com
Price · as of 2025-06-30
$87.41
Market cap 4.92B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $64.07 | -26.7% |
| Intrinsic Value(DCF) | $580.76 | +564.41% |
| Graham-Dodd Method(GD) | $83.49 | -4.48% |
| Graham Formula(GF) | $128.90 | +47.46% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $3.27 | $35.41 | $3.06 | $5.71 | $7.27 |
| 2012 | $6.29 | $485.28 | $8.04 | $7.37 | $24.06 |
| 2013 | $15.73 | $53.35 | $22.15 | $8.60 | $23.52 |
| 2014 | $19.12 | $35.02 | $17.13 | $11.23 | $26.15 |
| 2015 | $28.36 | $48.21 | $52.11 | $15.41 | $63.78 |
| 2016 | $21.35 | $52.75 | $136.36 | $19.85 | $85.40 |
| 2017 | $24.69 | $62.90 | $134.91 | $23.18 | $53.86 |
| 2018 | $36.70 | $72.91 | $159.88 | $26.10 | $64.01 |
| 2019 | $25.50 | $68.98 | $99.12 | $28.66 | $63.53 |
| 2020 | $24.91 | $55.15 | $28.32 | $34.07 | $56.86 |
| 2021 | $45.62 | $65.84 | $25.47 | $40.63 | $26.82 |
| 2022 | $40.74 | $52.78 | $26.54 | $46.22 | $57.64 |
| 2023 | $42.84 | $60.50 | $424.99 | $56.21 | $370.63 |
| 2024 | $63.47 | $57.66 | $2,344.11 | $77.26 | $361.51 |
| 2025 | $90.78 | $64.07 | $1,997.51 | $83.49 | $128.90 |
AI valuation
Our deep-learning model estimates Axos Financial, Inc.'s (AX) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $64.07
- Current price
- $87.41
- AI upside
- -26.7%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$580.76
+564.41% upside
Graham-Dodd
$83.49
-4.48% upside
Graham Formula
$128.90
+47.46% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AX | Axos Financial, Inc. | $87.41 | 4.92B | -27% | +564% | -4% | +47% | 11.92 | 1.93 | 2.68 | 5.50 | — | 2.05 | 61.47% | 31.79% | 22.44% | 17.42% | 52.84% | 1.82% | 0.14 | 0.89 | 0.11 | 0.11 | -2.43 | -300.00% | 916.00% | 6182.00% | 8.45% | 0.02 | 53.23% | 0.00% | 0.00% | 1.13% | 5.76 | 8.11 | 1.83 | -0.46 |
| ABCB | Ameris Bancorp | $77.66 | 5.31B | -37% | -9% | -19% | -22% | 13.17 | 1.33 | 3.26 | 11.47 | 84.41 | 1.81 | 68.31% | 32.05% | 24.75% | 10.53% | 13.62% | 1.53% | 0.17 | 1.17 | 0.17 | 0.00 | 1.30 | 1561.00% | 200.00% | 3303.00% | 3.45% | 0.03 | 6.19% | 1.02% | 13.40% | 1.02% | 11.47 | 32.70 | 3.68 | 0.14 |
| AUB | Atlantic Union Bankshares… | $37.06 | 5.28B | -38% | +748% | -12% | +193% | 19.48 | 1.07 | 2.64 | 6.06 | — | 1.80 | 60.94% | 16.77% | 13.54% | 6.72% | 18.61% | 0.88% | 0.30 | 0.51 | 6.81 | 6.81 | 3.19 | -938.00% | 5019.00% | -6750.00% | 1.83% | 0.15 | 6.61% | 0.00% | 0.00% | 0.00% | 7.08 | 24.55 | 1.19 | 0.35 |
| AVAL | Grupo Aval Acciones y Val… | $4.09 | 4.88B | +41% | -38% | -51% | -76% | 12.99 | 0.76 | 0.36 | 9.19 | 34.61 | -7.15 | 30.57% | 8.49% | 2.75% | 5.93% | 5.31% | 0.32% | 4.09 | 0.15 | 0.37 | 0.37 | 12.65 | 3753.00% | -380.00% | 4760.00% | -111.53% | -0.07 | -35.60% | 5.52% | 71.70% | 5.94% | 12.92 | -2.76 | 1.10 | -0.27 |
| FFIN | First Financial Bankshare… | $30.93 | 4.43B | +97% | -7% | -71% | +11% | 17.42 | 2.30 | 5.35 | 10.51 | 129.41 | 2.75 | 71.82% | 37.49% | 30.71% | 14.39% | 31.46% | 1.72% | 0.01 | 1.54 | 0.68 | 0.67 | -3.30 | 1346.00% | 1171.00% | -236.00% | 6.47% | 0.02 | 35.48% | 2.40% | 41.80% | 13.49% | 10.86 | 11.75 | 4.07 | 0.11 |
| HWC | Hancock Whitney Corporati… | $65.81 | 5.5B | -22% | -10% | -16% | -41% | 11.45 | 1.25 | 2.76 | 10.14 | 151.08 | 1.60 | 73.05% | 31.00% | 24.08% | 11.32% | 25.05% | 1.38% | 0.27 | 1.23 | 0.00 | 0.00 | 1.86 | 758.00% | -152.00% | -3865.00% | 6.79% | 0.01 | 19.05% | 2.76% | 31.60% | 7.20% | 10.63 | 17.60 | 3.29 | -0.68 |
| IBOC | International Bancshares … | $67.11 | 4.17B | -11% | -6% | -11% | — | 10.33 | 1.31 | 5.15 | 187.50 | 1357.27 | 1.43 | 100.00% | 70.03% | 49.85% | 13.63% | 61.94% | 2.55% | 0.04 | 2.71 | — | — | -17.87 | 76.00% | -2069.00% | 286.00% | 11.11% | — | 63.84% | 2.04% | 21.10% | 19.04% | 7.56 | 9.26 | 5.29 | 0.67 |
| IFS | Intercorp Financial Servi… | $48.38 | 5.37B | -25% | -31% | -18% | +19% | 10.30 | 1.52 | 2.03 | 7.08 | 23.78 | 1.75 | 65.27% | 25.24% | 19.72% | 15.66% | 153.46% | 1.87% | 1.03 | 1.09 | 2.07 | 2.07 | 0.29 | 4332.00% | 431.00% | -26255.00% | 16.30% | 0.53 | 256.55% | 2.11% | 21.70% | 3.43% | 8.34 | 6.36 | 2.11 | 0.41 |
| OZK | Bank OZK | $46.56 | 5.21B | -14% | +79% | +76% | +29% | 7.36 | 0.86 | 1.88 | 6.13 | 1505.53 | 0.96 | 55.43% | 33.30% | 25.50% | 12.09% | 14.55% | 1.81% | 0.08 | 0.87 | 0.80 | 0.00 | 0.50 | 49.00% | 115.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.13 | — | 2.04 | 0.36 |
| UBSI | United Bankshares, Inc. | $41.30 | 5.8B | +9% | +9% | -0% | +60% | 12.65 | 1.07 | 3.23 | 2.03 | 66.90 | 1.71 | 65.35% | 32.42% | 25.52% | 8.86% | 23.16% | 1.46% | 0.17 | 1.01 | 28.21 | 28.21 | -2.75 | 1891.00% | 1233.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 2.27% | 2.03 | — | 0.66 | 0.43 |
| WBS | Webster Financial Corpora… | $72.13 | 11.63B | -51% | -9% | -37% | +22% | 11.41 | 1.21 | 2.59 | -2.06 | 32.38 | 1.82 | 60.80% | 28.49% | 22.67% | 10.77% | 34.14% | 1.23% | 0.45 | 0.83 | 0.41 | 0.41 | 3.13 | 3524.00% | 613.00% | -3839.00% | 7.37% | 0.02 | 28.70% | 2.33% | 26.60% | 7.52% | -2.06 | -3.07 | -0.59 | -0.18 |
About Axos Financial, Inc.
Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through Banking Business and Securities Business segments. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text messaging banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. 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.
- CEO
- Gregory Garrabrants
- Employees
- 1.78K
- Beta
- 1.25
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($580.76 ÷ $87.41) − 1 = +564.41% (DCF, example).