Is Axos Financial, Inc. overvalued or undervalued?

As of 7 July 2025, the valuation grade for Axos Financial, Inc. has moved from expensive to fair, indicating a more favorable assessment of its stock. The company appears fairly valued based on its current metrics, with a P/E ratio of 11, a Price to Book Value of 1.79, and an EV to EBITDA of 4.81. In comparison to peers, UMB Financial Corp. has a higher P/E of 19.64, while Zions Bancorporation, NA shows a lower P/E of 10.08, suggesting that Axos is positioned competitively within its industry.
Notably, Axos Financial has delivered impressive returns, with a year-to-date return of 30.19% compared to the S&P 500's 12.22%, and a remarkable 5-year return of 293.51% versus the S&P 500's 96.61%. These performance metrics reinforce the notion that the stock is fairly valued, reflecting strong growth potential relative to broader market benchmarks.