Axos Financial, Inc.
AX· NYSE· Savings Institution, Federally Chartered
- Market cap
- –
- P/FCF
- –
- EV/Sales
- –
- FCF margin
- 358.3%
- ROIC, 5 yr avg
- –
- Revenue, 5 yr CAGR
- +21.0%
We record prices for the companies we cover; AX is not one of them yet.
Company statistics
Profile · FY2026
- Market cap
- –
- Enterprise value
- –
- Diluted shares
- 56.7M
- Revenue
- $81.3M
- Free cash flow
- $291.1M
- Owner earnings
- $246.9M
Valuation · FY2026
- P/E
- –
- P/FCF
- –
- P/Owner earnings
- –
- EV/Sales
- –
- EV/FCF
- –
- P/B
- –
Margins · FY2026
- Gross
- –
- Operating
- –
- Net
- 603.5%
- Free cash flow
- 358.3%
- Owner earnings
- 303.9%
- Stock pay
- 54.5%
Returns
- ROIC, FY2026
- –
- ROIC, 5 yr avg
- –
- ROE, FY2026
- 15.5%
- ROE, 5 yr avg
- 16.4%
Growth (CAGR)
- Revenue, 3 yr
- 7.6%
- Revenue, 5 yr
- 21.0%
- Revenue, 9 yr
- –
- Diluted EPS, 3 yr
- 18.7%
- Diluted EPS, 5 yr
- 19.0%
- Diluted EPS, 9 yr
- 16.8%
- Free cash flow, 3 yr
- 20.5%
- Free cash flow, 5 yr
- -6.3%
- Free cash flow, 9 yr
- 4.9%
Financial health · FY2026
- Cash and investments
- $1.1B
- Total debt
- $342.9M
- Net cash
- $765.7M
- Debt/Equity
- 0.1x
- Debt/FCF
- 1.2x
Shareholder returns · FY2026
- Dividend yield
- –
- Payout ratio
- –
- Buyback yield
- –
- Shareholder yield
- –
- Share count, 5 yr
- -0.9%
Financials: ten years from the 10-Ks
Revenue
$81.3M
+32.0% a year over 9 years
FY2017FY2026
Margins
603.5%
FY2026
FY2017FY2026
Free cash flow and owner earnings
Free cash flow$291.1MOwner earnings$246.9M
Free cash flow +4.9% a year
FY2017FY2026
Diluted shares
56.7M
-11.0% over 9 years, net buybacks
FY2017FY2026
Net cash
$765.7M
$765.7M more cash than debt
FY2017FY2026
Every figure, year by year
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| The business | ||||||||||
| Revenue | – | $8.8M | $27.6M | $26.8M | $31.3M | $59.4M | $65.3M | $64.6M | $65.8M | $81.3M |
| Revenue growth | – | – | 212.8% | -2.9% | 16.8% | 89.7% | 9.8% | -1.0% | 1.8% | 23.5% |
| Gross margin | – | – | – | – | – | – | – | – | – | – |
| Operating margin | – | – | – | – | – | – | – | – | – | – |
| Net income | $134.7M | $152.4M | $155.1M | $183.4M | $215.7M | $240.7M | $307.2M | $450.0M | $432.9M | $490.4M |
| Net margin | – | 1725.5% | 561.5% | 684.0% | 688.4% | 405.0% | 470.7% | 696.2% | 658.0% | 603.5% |
| Diluted EPS | $2.10 | $2.37 | $2.48 | $2.98 | $3.56 | $3.97 | $5.07 | $7.66 | $7.43 | $8.48 |
| Return on invested capital? | – | – | – | – | – | – | – | – | – | – |
| Cash | ||||||||||
| Operating cash flow | $198.5M | $167.9M | $204.4M | $284.1M | $412.6M | $216.6M | $196.7M | $305.5M | $490.3M | $557.6M |
| Capital expenditure | $8.8M | $11.8M | $20.1M | $12.3M | $10.4M | $21.5M | $30.2M | $36.0M | $54.2M | $266.4M |
| Free cash flow | $189.7M | $156.1M | $184.3M | $271.8M | $402.1M | $195.1M | $166.5M | $269.5M | $436.1M | $291.1M |
| Stock-based compensation | $14.5M | $20.4M | $23.4M | $21.9M | $20.7M | $21.2M | $26.1M | $35.2M | $42.0M | $44.3M |
| Owner earnings? | $175.2M | $135.7M | $160.9M | $249.8M | $381.5M | $173.9M | $140.4M | $234.3M | $394.1M | $246.9M |
| Free cash flow per share | $2.98 | $2.47 | $2.98 | $4.47 | $6.79 | $3.28 | $2.79 | $4.69 | $7.67 | $5.14 |
| Capital allocation | ||||||||||
| Dividends paid | – | – | – | – | – | – | – | – | – | – |
| Share repurchases | $0 | $35.2M | $56.4M | $38.9M | $16.8M | $0 | $49.0M | $96.3M | $58.2M | $22.0M |
| Diluted shares | 63.7M | 63.1M | 61.9M | 60.8M | 59.2M | 59.5M | 59.7M | 57.5M | 56.9M | 56.7M |
| Share count change? | 0.1% | -0.8% | -2.0% | -1.8% | -2.6% | 0.5% | 0.3% | -3.7% | -1.1% | -0.4% |
| Balance sheet | ||||||||||
| Cash and equivalents | $643.5M | $622.9M | $857.4M | $2.0B | $1.0B | $1.6B | $2.2B | $2.0B | $1.9B | $1.1B |
| Short-term investments | – | – | – | – | – | – | – | – | – | – |
| Total debt | – | $54.6M | $168.9M | $235.8M | $221.4M | $445.2M | $361.8M | $325.7M | $312.7M | $342.9M |
| Net debt | – | -$568.3M | -$688.4M | -$1.7B | -$816.4M | -$1.1B | -$1.9B | -$1.7B | -$1.6B | -$765.7M |
| Shareholders' equity | $834.2M | $960.5M | $1.1B | $1.2B | $1.4B | $1.6B | $1.9B | $2.3B | $2.7B | $3.2B |
Latest filings
| 2026-10-29 | 10-Q | Quarterly report |
| 2026-10-29 | 8-K | Earnings release |
| 2026-09-24 | DEF 14A | Proxy statement |
| 2026-08-20 | 10-K | Annual report |
| 2026-07-30 | 8-K | Earnings release |
| 2026-04-30 | 10-Q | Quarterly report |
| 2026-04-30 | 8-K | Earnings release |
| 2026-01-29 | 10-Q | Quarterly report |
| 2026-01-29 | 8-K | Earnings release |
| 2025-10-30 | 10-Q | Quarterly report |
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