AX:NYE-Axos Financial, Inc (USD)

COMMON STOCK | Banks—Regional | NYE

Last Closing Price

USD 23.69

Change

+1.15 (+5.10)%

Market Cap

USD 1.35B

Volume

0.43M

Average Target Price

USD 26.25 (+10.81%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, and money market accounts. It also provides single family and multifamily mortgage secured lending products; commercial real estate secured loans; automobile and RV secured loans; factoring loans; commercial and industrial loans and leases; and other loans, such as unsecured consumer loans, and other small balance business and consumer loans. In addition, Axos Financial, Inc. offers commercial lending, specialty finance factoring, and overdraft lines of credit, as well as fixed rate term unsecured loans to individual borrowers. Further, it provides prepaid card and refund transfer, debit card or ATM card, portfolio management, online bill payment, money transfer, overdraft protection, online and mobile banking, and text message banking services. Additionally, the company offers concierge banking services, bankruptcy and non-bankruptcy trustee and fiduciary services, mobile deposit services, peer to peer payment services, interbank transfer services, digital wallets, securities clearing services, and digital investment advisory services, as well as introduces broker-dealers and registered investment advisor correspondents. 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 headquartered in Las Vegas, Nevada.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-09-28 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
USB-PH U.S. Bancorp

+0.23 (+0.99%)

USD95.30B 4.35 N/A
USB-PP U.S. Bancorp

+0.10 (+0.37%)

USD85.93B 5.99 N/A
USB-PO U.S. Bancorp

+0.03 (+0.10%)

USD84.34B 5.81 N/A
USB-PM U.S. Bancorp

+0.28 (+1.04%)

USD81.45B 6.19 N/A
HDB HDFC Bank Limited

-0.09 (-0.19%)

USD78.19B 23.55 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
USB U.S. Bancorp

+0.94 (+2.67%)

USD52.96B 10.92 N/A
PNC The PNC Financial Services Gro..

+3.23 (+3.08%)

USD44.53B 16.09 N/A
ITUB Itaú Unibanco Holding S.A

-0.08 (-1.96%)

USD38.81B 11.62 N/A
MFG Mizuho Financial Group, Inc

+0.05 (+1.88%)

USD33.44B 31.83 N/A

ETFs Containing AX

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks—Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -21.76% 63% D 30% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -21.76% 62% D- 29% F
Trailing 12 Months  
Capital Gain -14.32% 63% D 36% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -14.32% 63% D 33% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -7.40% N/A N/A 16% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -7.40% N/A N/A 13% F
Risk Return Profile  
Volatility (Standard Deviation) 14.24% N/A N/A 56% F
Risk Adjusted Return -51.98% N/A N/A 8% F
Market Capitalization 1.35B 31% F 60% D-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks—Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 7.37 73% C 82% B-
Price/Book Ratio 1.07 27% F 58% F
Price / Cash Flow Ratio 4.74 62% D- 55% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 15.92% 98% A+ 83% B
Return on Invested Capital -5.03% 2% F 13% F
Return on Assets 1.46% 92% A- 40% F
Debt to Equity Ratio 19.16% 76% C 82% B-
Technical Ratios  
Short Ratio 11.22 7% F 6% F
Short Percent 6.27% 9% F 45% F
Beta 1.43 42% F 28% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.