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 is currently fairly valued based on its financial metrics. Key ratios include a P/E ratio of 11, a Price to Book Value of 1.79, and an EV to EBITDA of 4.81. In comparison, UMB Financial Corp. has a higher P/E of 19.64, while Zions Bancorporation, NA shows a lower P/E of 10.08, indicating that Axos is positioned reasonably within its peer group.
Despite recent underperformance against the S&P 500 over the past week and month, where it returned -1.35% and -7.21% respectively, Axos has outperformed the index on a year-to-date basis with a return of 13.14% compared to the S&P 500's 16.30%. Over the longer term, Axos has delivered impressive returns, with a 3-year return of 112.50% versus the S&P 500's 76.66%, suggesting strong growth potential despite recent fluctuations.