Is Axos Financial, Inc. overvalued or undervalued?

As of 31 October 2025, the valuation grade for Axos Financial, Inc. moved from expensive to fair. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E Ratio of 11, an EV to EBITDA of 4.81, and a PEG Ratio of 0.70, indicating a potentially attractive valuation relative to its growth prospects.
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 Axos Financial is positioned competitively within its industry. Notably, Axos Financial has outperformed the S&P 500 over the 1-year (20.55% vs. 19.89%) and 3-year (113.44% vs. 76.66%) periods, reinforcing its valuation narrative.