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Axos Financial AX Free cash flow margin

Free cash flow margin at other companies

Ally Financial logo
Ally FinancialALLY
55.3%
Charles Schwab Corporation logo
Charles Schwab CorporationSCHW
176.7%
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
-160.7%-834pp
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
33.5%-20.7pp
TFS Financial logo
TFS FinancialTFSL
52%
HOM
Home BancSharesHOMB
37%-0.5pp

Other financials

Income statement

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Revenue$392.2M+27.0%
Net income$124.7M+18.5%
EPS (diluted)$2.15+18.8%

Balance sheet

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Cash & equivalents$1.4B-40.1%
Total debt$371.8M-5.1%
Total equity$3.1B+17.7%
Total assets$29.2B+22.0%

Cash flow

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Operating cash flow$42.0M-43.0%
CapEx$143.3M+1,575%
Free cash flow$85.4M-45.4%

Valuation

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Market cap$5.01B+30.9%
P/E10.5×+1.6×
P/S3.5×+0.4×

Profitability

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Net margin33.5%-1.3pp

Returns & leverage

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Return on equity16.8%-1.0pp
Debt / equity0.1×0.0×

Where this comes from

Calculated from Axos Financial’s reported figures.

Based on trailing twelve months.

The official record: Axos Financial’s 10-Q, filed January 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Axos Financial's free cash flow margin?
Axos Financial (AX) reported free cash flow margin of 31.5% in Q4 2025.
How has Axos Financial's free cash flow margin changed year-over-year?
Axos Financial's free cash flow margin increased by 11.3% year-over-year, from 28.3% to 31.5%.
What is the long-term trend for Axos Financial's free cash flow margin?
Over 3 years (2021 to 2025), Axos Financial's free cash flow margin has grown at a -17.8% compound annual growth rate (CAGR), from 62.4% to 34.6%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.