What is Axos Financial Inc's earnings per share (EPS)?

Axos Financial Inc (AX) reported diluted earnings per share of $8.48 for fiscal year 2026. This represents a 14.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Axos Financial Inc (AX) Financials

FY2026 annual

Revenue $81.3M +23.5% YoY

Net Income $490.4M +13.3% YoY

EPS (Diluted) $8.48 +14.1% YoY

Free Cash Flow $291.1M -33.2% YoY

Market Cap $5.4B as of Sep 2, 2026

Price / Sales 67.0x on $81.3M revenue, FY2026

Price / Earnings 11.1x on $490.4M net income, FY2026

Price / Book 1.7x on $3.2B equity, Q4 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2026, ended Jun 30, 2026 Reported Aug 20, 2026 Currency USD FYE June

Newest figures come from the 10-K for FY2026, filed Aug 20, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the AX SEC filings page.

Axos Financial Inc (AX) reported $81.3M in revenue for fiscal year 2026, up 23.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI AX FY2026 2026-08-30

Balance-sheet expansion is funded mainly through liabilities, while cash generation remains positive but increasingly absorbed by reinvestment.

In FY2026, operating cash flow of $557.6M exceeded net income of $490.4M, showing that reported earnings converted into cash before reinvestment. Yet free cash flow fell 33.2% even as operating cash flow rose 13.7%, making cash available after reinvestment less stable than earnings.

Assets rose 21.0% in FY2026, while liabilities rose 21.2%, showing that expansion was funded predominantly through the liability side. Equity growth still reached 18.1%, and debt-to-equity was 0.1x, indicating that measured debt—not total balance-sheet funding—is the contained component.

Revenue rose 23.5% in FY2026, while net profit margin narrowed to 6.0%; incremental scale therefore did not flow through proportionately to bottom-line profitability. Return on assets eased to 1.6% from 1.8% in FY2025, consistent with assets growing faster than profits.

Financial Health Signals

Financial Health Score 41/100

Scored as: Banks peer group

Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Axos Financial Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Axos Financial Inc earned a return on assets of 1.6% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is down from 1.8% the prior year. Earnings ranks banks on that return over three years, and Axos Financial Inc scores 90/100 among other banks.

Growth

Axos Financial Inc reported revenue of $81.3M in fiscal year 2026, against $65.8M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Axos Financial Inc scores 63/100 among other banks.

Capital

Axos Financial Inc funded 10.6% of its assets with shareholders' equity at the end of fiscal year 2026, holding $3.2B of equity against $30.0B of assets. Capital ranks banks on that cushion, and Axos Financial Inc scores 37/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Axos Financial Inc scores 2/100 on it among other banks.

Credit Quality

Not available for Axos Financial Inc, and counted as zero in the overall score.

Stability

Axos Financial Inc reported net income of $490.4M in fiscal year 2026, against $432.9M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Axos Financial Inc scores 51/100 among other banks.

Piotroski F-Score Partial

5/7

Axos Financial Inc passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.14x

For every $1 of reported earnings, Axos Financial Inc generates $1.14 in operating cash flow ($557.6M OCF vs $490.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

EPS (Diluted)

$2.15

YoY+14.4%

QoQ0.0%

5Y CAGR+19.0%

10Y CAGR+16.7%

Axos Financial Inc earned $2.15 per diluted share (EPS) in Q4 2026. This represents an increase of 14.4% from the same quarter a year earlier. It is unchanged from the prior quarter.

Revenue

Not reported for Q4 2026.

EBITDA

Not reported for Q4 2026.

Net Income

Not reported for Q4 2026.

Cash & Balance Sheet

Free Cash Flow

$197.7M

YoY+22.4%

QoQ+295.3%

5Y CAGR+15.0%

10Y CAGR+12.4%

Axos Financial Inc generated $197.7M in free cash flow in Q4 2026, representing cash available after capex. This represents an increase of 22.4% from the same quarter a year earlier. Against the prior quarter it is up 295.3%.

Cash & Debt

$1.1B

YoY-42.7%

QoQ-5.1%

5Y CAGR+1.3%

10Y CAGR+8.6%

Axos Financial Inc held $1.1B in cash against $342.9M in long-term debt as of Q4 2026.

Shares Outstanding

57M

YoY+0.4%

QoQ-0.3%

5Y CAGR-0.9%

10Y CAGR-1.1%

Axos Financial Inc had 57M shares outstanding in Q4 2026. This represents an increase of 0.4% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.

Dividends Per Share

Not reported for Q4 2026.

Margins & Returns

None of these metrics is reported for Q4 2026.

Capital Allocation

Share Buybacks

$22.0M

YoY-32.0%

Axos Financial Inc spent $22.0M on share buybacks in Q4 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 32.0% from the same quarter a year earlier.

Capital Expenditures

$95.3M

YoY+337.5%

QoQ-33.5%

5Y CAGR+131.0%

10Y CAGR+44.4%

Axos Financial Inc invested $95.3M in capex in Q4 2026, funding long-term assets and infrastructure. This represents an increase of 337.5% from the same quarter a year earlier. Against the prior quarter it is down 33.5%.

R&D Spending

Not reported for Q4 2026.

AX Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

AX quarterly income statement

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Revenue	$81.3M+23.5%	$65.8M+1.8%	$64.6M-1.0%	$65.3M+9.8%	$59.4M+89.7%	$31.3M+16.8%	$26.8M-2.9%	$27.6M+212.8%	$8.8M-97.7%	$387.3M+21.9%	$317.7M+30.0%	$244.4M+41.4%	$172.9M+27.4%	$135.7M+17.2%	$115.7M
SG&A Expenses	$323.0M+8.4%	$298.0M+18.8%	$250.9M+22.8%	$204.3M+22.0%	$167.4M+9.7%	$152.6M+5.7%	$144.3M+13.3%	$127.4M+26.2%	$101.0M+23.4%	$81.8M+22.7%	$66.7M+52.1%	$43.8M+35.9%	$32.2M+11.7%	$28.9M+42.0%	$20.3M
Interest Expense	$710.0M+3.2%	$687.7M-0.9%	$694.2M+85.6%	$374.0M+611.5%	$52.6M-33.6%	$79.1M-45.5%	$145.2M-7.1%	$156.3M+46.6%	$106.6M+43.9%	$74.1M+30.6%	$56.7M+24.8%	$45.4M+26.9%	$35.8M+5.2%	$34.0M-6.9%	$36.5M
Income Tax	$156.3M-13.4%	$180.5M-2.7%	$185.5M+48.9%	$124.6M+25.5%	$99.2M+10.2%	$90.0M+13.7%	$79.2M+37.3%	$57.7M-33.9%	$87.3M-10.9%	$98.0M+14.4%	$85.6M+47.1%	$58.2M+51.8%	$38.3M+37.3%	$27.9M+39.1%	$20.1M
Net Income	$490.4M+13.3%	$432.9M-3.8%	$450.0M+46.5%	$307.2M+27.6%	$240.7M+11.6%	$215.7M+17.6%	$183.4M+18.2%	$155.1M+1.8%	$152.4M+13.1%	$134.7M+13.0%	$119.3M+44.3%	$82.7M+47.8%	$56.0M+38.9%	$40.3M+36.7%	$29.5M
EPS (Basic)	$8.66+13.8%	$7.61-2.7%	$7.82+51.8%	$5.15+27.5%	$4.04+11.0%	$3.64+20.9%	$3.01+20.4%	$2.50+3.7%	$2.41+14.2%	$2.11+12.8%	$1.87+38.5%	$1.35+39.2%	$0.97-67.7%	$3.00+22.4%	$2.45
EPS (Diluted)	$8.48+14.1%	$7.43-3.0%	$7.66+51.1%	$5.07+27.7%	$3.97+11.5%	$3.56+19.5%	$2.98+20.2%	$2.48+4.6%	$2.37+12.9%	$2.10+12.3%	$1.87	$1.34+39.6%	$0.96	$2.89+24.0%	$2.33
Diluted Shares (Avg)	57M-0.4%	57M-1.1%	58M-3.7%	60M+0.3%	60M+0.5%	59M-2.6%	61M-1.8%	62M-2.0%	63M-0.8%	64M+0.1%	64M	61M+6.4%	57M	13.16B+14.5%	11.49B

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Revenue	N/A	$478.2M+10.5%	$513.8M+12.7%	$465.7M-3.8%	N/A	$432.7M-2.4%	$456.1M+15.6%	$484.3M+33.1%
SG&A Expenses	N/A	$81.6M+9.2%	$82.2M+10.9%	$76.6M+3.1%	N/A	$74.7M+10.8%	$74.1M+25.8%	$74.3M+33.1%
Interest Expense	N/A	$172.0M+9.4%	$182.1M+3.5%	$174.7M-9.1%	N/A	$157.3M-13.6%	$176.0M+6.0%	$192.2M+25.8%
Income Tax	N/A	$40.6M-5.3%	$47.1M+3.2%	$37.5M-19.9%	N/A	$42.9M-4.4%	$45.6M-30.4%	$46.9M+31.9%
Net Income	N/A	$124.7M+18.5%	$128.4M+22.6%	$112.4M0.0%	N/A	$105.2M-5.0%	$104.7M-31.0%	$112.3M+35.9%
EPS (Basic)	$2.20+12.2%	$2.20+19.6%	$2.27+24.0%	$1.99+1.0%	$1.96+6.5%	$1.84-5.2%	$1.83-30.9%	$1.97+40.7%
EPS (Diluted)	$2.15+14.4%	$2.15+18.8%	$2.22+23.3%	$1.94+0.5%	$1.88+5.6%	$1.81-5.2%	$1.80-31.3%	$1.93+39.9%
Diluted Shares (Avg)	N/A	57M-0.5%	57M-0.8%	57M-0.7%	N/A	57M+0.2%	57M-0.2%	57M-3.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

AX Balance Sheet

AX quarterly balance sheet

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Total Assets	$30.0B+20.9%	$24.8B+8.4%	$22.9B+12.3%	$20.3B+16.9%	$17.4B+22.0%	$14.3B+3.0%	$13.9B+23.5%	$11.2B+17.6%	$9.5B+12.2%	$8.5B+11.9%	$7.6B+30.5%	$5.8B+32.3%	$4.4B+42.5%	$3.1B+29.5%	$2.4B
Cash & Equivalents	$1.1B-42.7%	$1.9B-2.3%	$2.0B-11.3%	$2.2B+41.8%	$1.6B+51.7%	$1.0B-46.8%	$2.0B+127.5%	$857.4M+37.7%	$622.9M-3.2%	$643.5M+32.2%	$486.7M+118.4%	$222.9M+43.2%	$155.6M-22.9%	$201.7M+469.3%	$35.4M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$314.8M+34.0%	$234.9M+6.6%	$220.2M-28.8%	$309.3M0.0%	$309.2M-5.2%	$326.2M+54.3%	$211.4M+12.2%	$188.4M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$144.3M+47.8%	$97.7M0.0%	$97.7M0.0%	$97.7M+2.1%	$95.7M+34.3%	$71.2M0.0%	$71.2M0.0%	$71.2M+99.4%	$35.7M	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$26.8B+21.2%	$22.1B+7.5%	$20.6B+11.6%	$18.4B+17.0%	$15.8B+22.5%	$12.9B+1.9%	$12.6B+24.4%	$10.1B+18.3%	$8.6B+11.9%	$7.7B+10.9%	$6.9B+30.7%	$5.3B+31.2%	$4.0B+42.9%	$2.8B+29.5%	$2.2B
Long-Term Debt	$342.9M+9.7%	$312.7M-4.0%	$325.7M-10.0%	$361.8M-18.7%	$445.2M+101.1%	$221.4M-6.1%	$235.8M+39.6%	$168.9M+209.7%	$54.6M	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$3.2B+18.1%	$2.7B+17.0%	$2.3B+19.5%	$1.9B+16.7%	$1.6B+17.3%	$1.4B+13.8%	$1.2B+14.7%	$1.1B+11.7%	$960.5M+15.1%	$834.2M+22.0%	$683.6M+28.1%	$533.5M+43.9%	$370.8M+38.2%	$268.3M+29.8%	$206.6M
Retained Earnings	$3.1B+18.7%	$2.6B+19.8%	$2.2B+25.9%	$1.7B+21.5%	$1.4B+20.3%	$1.2B+17.7%	$1.0B+22.2%	$826.2M+23.1%	$671.3M+29.3%	$519.2M+34.9%	$384.8M+44.8%	$265.8M+44.9%	$183.5M+43.5%	$127.8M+44.7%	$88.4M

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Total Assets	$30.0B+20.9%	$29.2B+22.0%	$28.2B+18.9%	$27.4B+16.4%	$24.8B+8.4%	$24.0B+5.9%	$23.7B+9.6%	$23.6B+13.2%
Cash & Equivalents	$1.1B-42.7%	$1.2B-41.6%	$1.0B-58.6%	$2.6B-0.4%	$1.9B-2.3%	$2.0B-6.0%	$2.4B+38.2%	$2.6B+6.5%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$314.8M+34.0%	N/A	N/A	N/A	$234.9M+6.6%	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$144.3M+47.8%	$144.3M+47.8%	$144.3M+47.8%	$151.5M+55.2%	$97.7M0.0%	$97.7M0.0%	$97.7M0.0%	$97.7M0.0%
Total Liabilities	$26.8B+21.2%	$26.2B+22.5%	$25.3B+19.3%	$24.6B+16.4%	$22.1B+7.5%	$21.4B+4.6%	$21.2B+8.4%	$21.2B+12.3%
Long-Term Debt	$342.9M+9.7%	N/A	N/A	N/A	$312.7M-4.0%	$377.4M+14.2%	$358.7M+5.2%	$313.5M-30.0%
Total Equity	$3.2B+18.1%	$3.1B+17.7%	$2.9B+16.2%	$2.8B+16.1%	$2.7B+17.0%	$2.6B+18.6%	$2.5B+21.4%	$2.4B+21.7%
Retained Earnings	$3.1B+18.7%	$3.0B+19.0%	$2.9B+19.0%	$2.7B+18.8%	$2.6B+19.8%	$2.5B+20.5%	$2.4B+22.0%	$2.3B+26.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities.

AX Cash Flow Statement

AX quarterly cash flow statement

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Operating Cash Flow	$557.6M+13.7%	$490.3M+60.5%	$305.5M+55.3%	$196.7M-9.2%	$216.6M-47.5%	$412.6M+45.2%	$284.1M+39.0%	$204.4M+21.7%	$167.9M-15.4%	$198.5M+18.9%	$166.9M+43.8%	$116.1M+444.6%	$21.3M+35.4%	$15.8M+128.0%	-$56.3M
Depreciation & Amortization	$29.7M+37.5%	$21.6M+33.3%	$16.2M+32.8%	$12.2M-6.9%	$13.1M-9.0%	$14.4M-41.1%	$24.4M+48.4%	$16.5M+92.1%	$8.6M+40.7%	$6.1M+27.1%	$4.8M+46.5%	$3.3M+13.9%	$2.9M+50.9%	$1.9M+44.7%	$1.3M
Stock-Based Compensation	$44.3M+5.4%	$42.0M+19.3%	$35.2M+34.8%	$26.1M+22.9%	$21.2M+2.7%	$20.7M-5.7%	$21.9M-6.4%	$23.4M+14.9%	$20.4M+40.3%	$14.5M+28.3%	$11.3M+70.4%	$6.6M+52.5%	$4.4M+32.2%	$3.3M+32.3%	$2.5M
Capital Expenditures	$266.4M+391.5%	$54.2M+50.8%	$36.0M+19.0%	$30.2M+40.5%	$21.5M+106.0%	$10.4M-15.4%	$12.3M-38.6%	$20.1M+69.9%	$11.8M+34.9%	$8.8M-14.5%	$10.2M+100.1%	$5.1M+61.8%	$3.2M-19.2%	$3.9M+52.2%	$2.6M
Free Cash Flow	$291.1M-33.2%	$436.1M+61.8%	$269.5M+61.9%	$166.5M-14.7%	$195.1M-51.5%	$402.1M+48.0%	$271.8M+47.4%	$184.3M+18.1%	$156.1M-17.7%	$189.7M+21.1%	$156.7M+41.2%	$111.0M+511.3%	$18.2M+53.4%	$11.8M+120.1%	-$58.8M
Investing Cash Flow	-$5.0B-173.5%	-$1.8B+28.9%	-$2.6B-7.9%	-$2.4B+13.8%	-$2.8B-221.1%	-$866.8M+35.7%	-$1.3B-44.7%	-$931.7M+9.2%	-$1.0B-30.1%	-$788.7M+48.7%	-$1.5B-11.9%	-$1.4B-4.2%	-$1.3B-157.7%	-$511.6M-55.0%	-$329.9M
Financing Cash Flow	$3.6B+169.1%	$1.3B-35.7%	$2.1B-30.6%	$3.0B-3.0%	$3.1B+776.8%	-$458.6M-121.3%	$2.2B+124.3%	$961.8M+14.9%	$837.4M+12.1%	$747.0M-54.3%	$1.6B+23.3%	$1.3B+6.0%	$1.3B+88.9%	$662.1M+60.5%	$412.6M
Share Buybacks	$22.0M-62.2%	$58.2M-39.6%	$96.3M+96.7%	$49.0M	$0-100.0%	$16.8M-56.9%	$38.9M-31.1%	$56.4M+60.4%	$35.2M	$0	$0	N/A	N/A	N/A	N/A

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Operating Cash Flow	$293.0M+59.8%	$42.0M-43.0%	$104.1M-35.9%	$118.4M+67.3%	$183.4M+395.9%	$73.7M-36.4%	$162.5M+37.1%	$70.8M+107.1%
Depreciation & Amortization	N/A	$22.3M+225.2%	$23.2M+230.0%	$8.3M+12.0%	N/A	$6.8M-5.2%	$7.0M+8.4%	$7.5M+26.7%
Stock-Based Compensation	N/A	N/A	N/A	$10.8M+5.7%	N/A	N/A	N/A	$10.2M+50.5%
Capital Expenditures	$95.3M+337.5%	$143.3M+1575.5%	$18.7M+206.4%	$9.1M-48.5%	$21.8M+107.8%	$8.6M+1.3%	$6.1M-42.1%	$17.8M+173.7%
Free Cash Flow	$197.7M+22.4%	-$101.2M-255.4%	$85.4M-45.4%	$109.3M+106.1%	$161.6M+510.1%	$65.1M-39.3%	$156.4M+44.8%	$53.0M+91.4%
Investing Cash Flow	-$737.7M+13.1%	-$880.7M-30.0%	-$2.4B-785.6%	-$1.0B-2169.1%	-$848.8M-98.7%	-$677.5M-61.2%	-$269.2M+78.2%	-$45.5M+91.0%
Financing Cash Flow	$401.2M-31.3%	$849.4M+351.5%	$734.9M+3198.7%	$1.6B+174.0%	$584.1M+153.9%	$188.1M-78.8%	-$23.7M-105.1%	$592.8M+17.7%
Share Buybacks	$22.0M-32.0%	N/A	N/A	N/A	$32.3M+146.7%	$25.9M+4247.7%	$0-100.0%	$0-100.0%

Not reported in any period shown, so not listed: Dividends Paid.

AX Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

AX quarterly financial ratios

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Net Margin	603.5%	658.0%	696.2%	470.7%	405.0%	688.4%	684.0%	561.5%	1725.5%	34.8%-2.8pp	37.5%+3.7pp	33.8%+1.5pp	32.4%+2.7pp	29.7%+4.2pp	25.5%
Return on Equity	15.5%-0.7pp	16.2%-3.5pp	19.7%+3.6pp	16.0%+1.4pp	14.6%-0.8pp	15.4%+0.5pp	14.9%+0.4pp	14.5%-1.4pp	15.9%-0.3pp	16.2%-1.3pp	17.4%+1.9pp	15.5%+0.4pp	15.1%+0.1pp	15.0%+0.8pp	14.3%
Return on Assets	1.6%-0.1pp	1.8%-0.2pp	2.0%+0.5pp	1.5%+0.1pp	1.4%-0.1pp	1.5%+0.2pp	1.3%-0.1pp	1.4%-0.2pp	1.6%0.0pp	1.6%0.0pp	1.6%+0.1pp	1.4%+0.2pp	1.3%0.0pp	1.3%+0.1pp	1.2%
Debt-to-Equity	0.110.0x	0.120.0x	0.140.0x	0.19-0.1x	0.27+0.1x	0.160.0x	0.190.0x	0.16+0.1x	0.06-9.1x	9.19-0.9x	10.12+0.2x	9.92-1.0x	10.88+0.4x	10.520.0x	10.55
Asset Turnover	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.05
FCF Margin	358.3%	662.9%	416.9%	255.1%	328.3%	1283.4%	1013.5%	667.3%	1767.2%	49.0%-0.3pp	49.3%+3.9pp	45.4%+34.9pp	10.5%+1.8pp	8.7%+59.6pp	-50.8%

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Net Margin	N/A	26.1%+1.8pp	25.0%+2.0pp	24.1%+0.9pp	N/A	24.3%-0.6pp	22.9%-15.5pp	23.2%+0.5pp
Return on Equity	N/A	4.1%0.0pp	4.4%+0.2pp	4.0%-0.6pp	N/A	4.0%-1.0pp	4.2%-3.1pp	4.7%+0.5pp
Return on Assets	N/A	0.4%0.0pp	0.5%0.0pp	0.4%-0.1pp	N/A	0.4%0.0pp	0.4%-0.3pp	0.5%+0.1pp
Debt-to-Equity	0.110.0x	8.54+8.4x	8.62+8.5x	8.82+8.7x	0.120.0x	0.140.0x	0.140.0x	0.13-0.1x
Asset Turnover	N/A	0.020.0x	0.020.0x	0.020.0x	N/A	0.020.0x	0.020.0x	0.020.0x
FCF Margin	N/A	-21.2%-36.2pp	16.6%-17.7pp	23.5%+12.5pp	N/A	15.0%-9.2pp	34.3%+6.9pp	10.9%+3.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Axos Financial Inc AX	FY2026	$81.3M	$490.4M	N/A	$5.4B	41/100
Atlantic Un Bankshares Corp AUB	FY2025	$1.8B	$273.7M	15.0%	$5.8B	56/100
Home Bancshares HOMB	FY2025	$1.3B	$475.4M	37.2%	$5.9B	52/100
United Bankshares Inc West Va UBSI	FY2025	$1.7B	$464.6M	27.6%	$6.4B	73/100
Hancock Whitney Corporation HWC	FY2025	$1.6B	$486.1M	30.1%	$6.0B	57/100
Ameris Bancorp ABCB	FY2025	$1.4B	$412.2M	29.6%	$5.7B	67/100

Where Axos Financial Inc Ranks

Frequently Asked Questions

What is Axos Financial Inc's annual revenue?

Axos Financial Inc (AX) reported $81.3M in total revenue for fiscal year 2026. This represents a 23.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Axos Financial Inc's revenue growing?

Axos Financial Inc (AX) revenue grew by 23.5% year-over-year, from $65.8M to $81.3M in fiscal year 2026.

Is Axos Financial Inc profitable?

Yes, Axos Financial Inc (AX) reported a net income of $490.4M in fiscal year 2026.

How much debt does Axos Financial Inc have?

As of fiscal year 2026, Axos Financial Inc (AX) had $1.1B in cash and equivalents against $342.9M in long-term debt.

What is Axos Financial Inc's return on equity (ROE)?

Axos Financial Inc (AX) has a return on equity of 15.5% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.

What is Axos Financial Inc's free cash flow?

Axos Financial Inc (AX) generated $291.1M in free cash flow during fiscal year 2026. This represents a -33.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Axos Financial Inc's operating cash flow?

Axos Financial Inc (AX) generated $557.6M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

What are Axos Financial Inc's total assets?

Axos Financial Inc (AX) had $30.0B in total assets as of fiscal year 2026, including both current and long-term assets.

What are Axos Financial Inc's capital expenditures?

Axos Financial Inc (AX) invested $266.4M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

Does Axos Financial Inc buy back shares?

Yes, Axos Financial Inc (AX) spent $22.0M on share buybacks during fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

How many shares does Axos Financial Inc have outstanding?

Axos Financial Inc (AX) had 57M shares outstanding as of fiscal year 2026.

What is Axos Financial Inc's debt-to-equity ratio?

Axos Financial Inc (AX) had a debt-to-equity ratio of 0.11 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Axos Financial Inc's return on assets (ROA)?

Axos Financial Inc (AX) had a return on assets of 1.6% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

What is Axos Financial Inc's P/E ratio?

Axos Financial Inc (AX) trades at 11.1x earnings, its market capitalization divided by net income of $490.4M net income, FY2026. The market capitalization is $5.4B as of Sep 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Axos Financial Inc's price-to-sales ratio?

Axos Financial Inc (AX) trades at 67.0x sales, its market capitalization divided by revenue of $81.3M revenue, FY2026. The market capitalization is $5.4B as of Sep 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Axos Financial Inc's Piotroski F-Score?

Axos Financial Inc (AX) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Axos Financial Inc's earnings high quality?

Axos Financial Inc (AX) has an earnings quality ratio of 1.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Axos Financial Inc?

Axos Financial Inc (AX) scores 41 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.