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Axos Financial, Inc.

AX

Axos Financial, Inc. is a technology-driven financial services company that provides a diverse range of banking, securities clearing, and investment advisory solutions.

Market cap
$4.97B+5.2%
Revenue$1.5B+17.6%
Net income$490.4M+13.3%
Free cash flow$554.0M+84.0%
EPS (diluted)$8.46+14.0%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 29, 2026 (In 3 weeks)
Revenue estimate$386.3M
EPS estimate$2.25

Financials

Q4 2026

Income statement

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Revenue$379.8M+18.1%
Net income$124.9M+12.9%
EPS (diluted)$2.15+14.4%

Balance sheet

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Cash & equivalents$1.3B-39.9%
Total debt$56.2M-84.9%
Total equity$3.2B+18.1%
Total assets$30.0B+20.9%

Cash flow

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Operating cash flow$293.0M+59.8%
CapEx$95.3M+337%
Free cash flow$197.7M+22.4%

Valuation & ratios

Valuation

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Market cap$4.91B+5.2%
Enterprise value$3.66B+76.1%
P/E10×-0.9×
P/S3.3×-0.4×

Profitability

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Net margin33.1%-1.3pp

Returns & leverage

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Return on equity16.8%-0.6pp
Debt / equity0×-0.1×

Segments

By product

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Advisory fee income$9.0M+13.2%
Card fees and other$2.5M—
Technology and service fees$660.3K-23.8%

Competitors

Profile

Axos Financial, Inc. is a technology-driven financial services company that provides a diverse range of banking, securities clearing, and investment advisory solutions. The company operates through a digital-first model, offering consumer and commercial banking products alongside comprehensive custody and clearing services for independent registered investment advisors and broker-dealers. Its value proposition centers on leveraging a scalable, low-cost distribution infrastructure to deliver secure financial services nationwide.

Competitive position

Axos maintains a competitive advantage through its branchless, technology-enabled model which allows for lower fixed operating costs and broader geographic reach compared to traditional brick-and-mortar banks.

GeographiesUnited States
Customer segmentsRetail, Commercial, Institutional, Financial Intermediaries
Business modelB2C Banking, B2B Financial Services, Marketplace/Clearinghouse, Asset-based Lending
SuppliersFederal Reserve Bank of San Francisco, Technology and Software Providers, Credit Rating Agencies, Deposit Insurance Fund (FDIC)
CustomersIndividual Borrowers, Commercial Enterprises, Independent Financial Advisors, Correspondent Broker-Dealers
Listed2005
Employees1.5K
CEOGregory Garrabrants
FilingsSEC EDGAR

FAQ

What is Axos Financial, Inc.'s market cap?
Axos Financial, Inc. (AX) has a market capitalization of $5.0B and trades on NYSE.
What is Axos Financial, Inc.'s revenue and profitability?
Axos Financial, Inc. generated $1.5B in trailing twelve-month revenue with net income of $490.4M, representing a net margin of 33.1%, with free cash flow of $554.0M. The latest reported period is Q4 2026.
Who are Axos Financial, Inc.'s competitors?
Axos Financial, Inc.'s key competitors include Charles Schwab, Ally Financial, Independent Bank Corp/MA, and others. These companies compete in similar markets and product categories.
What subsidiaries does Axos Financial, Inc. have?
Axos Financial, Inc.'s subsidiaries include Axos Bank, Axos Clearing LLC, Axos Invest, Inc., and others.
Where is Axos Financial, Inc. headquartered?
Axos Financial, Inc. is headquartered in United States of America and employs approximately 1,455 people. It has been publicly traded since 2005.