Axos Financial, Inc. (AX) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Old National Bancorp

UMB Financial Corp.

Associated Banc-Corp

Axos Financial, Inc.

Texas Capital Bancshares, Inc.

Valley National Bancorp

Cadence Bank

BOK Financial Corp.

First Financial Bankshares, Inc.

F.N.B. Corp. (Pennsylvania)

Zions Bancorporation, NA

Why is Axos Financial, Inc. ?

High Profitability with a Net Interest Margin of 16.71%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%

Positive results in Jun 25

OPERATING CASH FLOW(Y) Highest at USD 497.64 MM
OPERATING PROFIT MARGIN(Q) Highest at 35.22 %
CREDIT DEPOSIT RATIO(HY) Highest at 102.45%

With ROA of 1.56%, it has a fair valuation with a 1.79 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 7.09%, its profits have risen by 16.1% ; the PEG ratio of the company is 0.7

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Axos Financial, Inc. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Axos Financial, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Axos Financial, Inc.

30.78%

1.94

33.13%

S&P 500

14.9%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

23.93%

EBIT Growth (5y)

14.12%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

84.64%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.89

EV to EBIT

9.20

EV to EBITDA

8.53

EV to Capital Employed

1.94

EV to Sales

2.89

PEG Ratio

1.90

Dividend Yield

ROCE (Latest)

21.12%

ROE (Latest)

15.58%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

Bullish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

17What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 481.14 MM

GROSS NPA (%)

NET PROFIT(Q)

Highest at USD 128.4 MM

NII(Q)

Highest at USD 331.71 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 105.88%

NET SALES(Q)

Highest at USD 513.85 MM

OPERATING PROFIT(Q)

Highest at USD 175.51 MM

PRE-TAX PROFIT(Q)

Highest at USD 175.51 MM

EPS(Q)

Highest at USD 2.22

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

Here's what is working for Axos Financial, Inc.

Non Performing Loans (%)

Lowest at 0.62% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Cash Flow

Highest at USD 481.14 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Profit

Highest at USD 128.4 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 331.71 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 513.85 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 175.51 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 175.51 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

EPS

Highest at USD 2.22

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 105.88%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Depreciation

Highest at USD 23.2 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Depreciation

At USD 23.2 MM has Grown at 178.2%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (USD MM)

Here's what is not working for Axos Financial, Inc.

Capital Adequacy Ratio

Lowest at 11.65%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)