Is Axos Financial, Inc. overvalued or undervalued?

As of 21 November 2025, the valuation grade for Axos Financial, Inc. moved from expensive to fair, indicating a more favorable assessment of its market position. 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 shows a lower P/E of 10.08, suggesting that Axos is positioned competitively within its industry.
Additionally, Axos Financial has demonstrated strong performance with a 3-year return of 99.47%, significantly outperforming the S&P 500's 67.17% over the same period. However, its 1-year return of -3.23% lags behind the S&P 500's 11.00%, which may indicate some short-term challenges. Overall, the valuation metrics suggest that Axos Financial is fairly valued in the current market context.