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 $1.5B +17.6% 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 $5.0B as of Oct 17, 2026

Price / Sales 3.4x on $1.5B revenue, FY2026

Price / Earnings 10.2x on $490.4M net income, FY2026

Price / Book 1.6x 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 Oct 17, 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 $1.5B in revenue for fiscal year 2026, up 17.6% 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 2026-10-04

Axos has expanded earnings while its asset base grew faster, leaving returns on assets modest despite high reported margins.

A 33.1% net margin alongside only 1.6% ROA in FY2026 means profitability is earned on a very large balance sheet, not a lightweight sales model: $30.0B of assets supports $1.5B of revenue. That structure makes balance-sheet growth and funding discipline more consequential than margin alone.

From FY2022 to FY2026, assets expanded from $17.4B to $30.0B while debt-to-equity fell from 0.3x to 0.1x. The combination suggests expansion was funded mainly through the broader financial balance sheet and retained equity, rather than increasing corporate debt relative to equity.

Net income rose from $240.7M in FY2022 to $490.4M in FY2026, but reported operating cash flow exceeded free cash flow in the latest year. The difference indicates that capital spending materially absorbs operating cash, so accounting earnings do not translate one-for-one into cash available after reinvestment.

Financial Health Signals

Financial Health Score 56/100

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 $1.5B in fiscal year 2026, against $1.3B 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 64/100 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 38/100 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 91/100 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

4/7

Axos Financial, Inc. passes 4 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, neither operating efficiency signal passes.

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

Revenue

$379.8M

YoY+18.1%

QoQ-3.2%

5Y CAGR+19.1%

10Y CAGR+16.0%

Axos Financial, Inc. generated $379.8M in revenue in Q4 2026. This represents an increase of 18.1% from the same quarter a year earlier. Against the prior quarter it is down 3.2%.

Net Income

$124.9M

YoY+12.9%

QoQ+0.2%

5Y CAGR+18.2%

10Y CAGR+15.4%

Axos Financial, Inc. reported $124.9M in net income in Q4 2026. This represents an increase of 12.9% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.

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.

EBITDA

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

Net Margin

32.9%

YoY-1.5pp

QoQ+1.1pp

5Y change-1.3pp

10Y change-1.6pp

Axos Financial, Inc.'s net profit margin was 32.9% in Q4 2026, showing the share of revenue converted to profit. This is down 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.1 percentage points.

Return on Equity

4.0%

YoY-0.2pp

QoQ-0.1pp

5Y change+0.1pp

10Y change-0.4pp

Axos Financial, Inc.'s ROE was 4.0% in Q4 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q4 2026.

Operating Margin

Not 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	$1.5B+17.6%	$1.3B+6.3%	$1.2B+31.0%	$903.6M+25.4%	$720.5M+11.9%	$644.0M+10.9%	$580.6M+18.2%	$491.4M+11.8%	$439.4M+15.2%	$381.4M+16.5%	$327.4M+42.6%	$229.5M+43.9%	$159.6M+23.4%	$129.3M+35.4%	$95.6M
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	$379.8M+18.1%	$392.2M+27.0%	$385.1M+25.1%	$323.4M+0.9%	$321.4M+10.5%	$308.8M+4.8%	$307.9M-12.7%	$320.7M+30.5%
SG&A Expenses	$82.7M+10.4%	$81.6M+9.2%	$82.2M+10.9%	$76.6M+3.1%	$74.9M+8.9%	$74.7M+10.8%	$74.1M+25.8%	$74.3M+33.1%
Interest Expense	$181.2M+11.7%	$172.0M+9.4%	$182.1M+3.5%	$174.7M-9.1%	$162.3M-16.1%	$157.3M-13.6%	$176.0M+6.0%	$192.2M+25.8%
Income Tax	$31.0M-31.2%	$40.6M-5.3%	$47.1M+3.2%	$37.5M-19.9%	$45.1M+14.2%	$42.9M-4.4%	$45.6M-30.4%	$46.9M+31.9%
Net Income	$124.9M+12.9%	$124.7M+18.5%	$128.4M+22.6%	$112.4M0.0%	$110.7M+5.5%	$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	-$24.1M-8965.1%	$22.3M+225.2%	$23.2M+230.0%	$8.3M+12.0%	$272K+108.0%	$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	33.1%-1.3pp	34.4%-3.6pp	38.0%+4.0pp	34.0%+0.6pp	33.4%-0.1pp	33.5%+1.9pp	31.6%0.0pp	31.6%-3.1pp	34.7%-0.7pp	35.3%-1.1pp	36.4%+0.4pp	36.0%+1.0pp	35.1%+3.9pp	31.1%+0.3pp	30.9%
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	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	19.7%-15.0pp	34.6%+11.9pp	22.8%+4.3pp	18.4%-8.6pp	27.1%-35.4pp	62.4%+15.6pp	46.8%+9.3pp	37.5%+2.0pp	35.5%-14.2pp	49.8%+1.9pp	47.9%-0.5pp	48.4%+37.0pp	11.4%+2.2pp	9.2%+70.7pp	-61.6%

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	32.9%-1.5pp	31.8%-2.3pp	33.3%-0.7pp	34.7%-0.3pp	34.4%-1.6pp	34.1%-3.5pp	34.0%-9.0pp	35.0%+1.4pp
Return on Equity	4.0%-0.2pp	4.1%0.0pp	4.4%+0.2pp	4.0%-0.6pp	4.1%-0.4pp	4.0%-1.0pp	4.2%-3.1pp	4.7%+0.5pp
Return on Assets	0.4%0.0pp	0.4%0.0pp	0.5%0.0pp	0.4%-0.1pp	0.4%0.0pp	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	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	52.1%+1.8pp	-25.8%-46.9pp	22.2%-28.6pp	33.8%+17.3pp	50.3%+41.2pp	21.1%-15.3pp	50.8%+20.2pp	16.5%+5.3pp

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	$1.5B	$490.4M	33.1%	$5.0B	56/100
Atlantic Union Bankshares Corporation AUB	FY2025	$1.4B	$273.7M	19.9%	$5.4B	56/100
Home BancShares, Inc. HOMB	FY2025	$1.1B	$475.4M	43.6%	$5.8B	74/100
United Bankshares Inc UBSI	FY2025	$1.2B	$464.6M	37.5%	$6.4B	72/100
Hancock Whitney Corporation HWC	FY2025	$1.5B	$486.1M	32.1%	$5.9B	57/100
Ameris Bancorp ABCB	FY2025	$1.2B	$412.2M	34.1%	$5.3B	67/100

Where Axos Financial, Inc. Ranks

Frequently Asked Questions

What is Axos Financial, Inc.'s annual revenue?

Axos Financial, Inc. (AX) reported $1.5B in total revenue for fiscal year 2026. This represents a 17.6% 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 17.6% year-over-year, from $1.3B to $1.5B 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, with a net profit margin of 33.1%.

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 net profit margin?

Axos Financial, Inc. (AX) had a net profit margin of 33.1% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

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 10.2x earnings, its market capitalization divided by net income of $490.4M net income, FY2026. The market capitalization is $5.0B as of Oct 17, 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 3.4x sales, its market capitalization divided by revenue of $1.5B revenue, FY2026. The market capitalization is $5.0B as of Oct 17, 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 4 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 56 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.