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Axos Financial Inc. (AX) — RQD Stock Rating Cockpit

$92.55 +1.17% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $92.57

Axos Financial Inc. (AX) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $5.26B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $92.57 (+0.02%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 745.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AX)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY AX SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 745.3% FCF Margin ($490.3M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$88.44-0.3% Next Q

Q2 (-2Q)

Grade C+$88.14+4.1% Next Q

Q3 (-1Q)

Grade C+$91.79+0.8% Next Q

Current

Grade C+$92.55+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AX Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, AX faces multiple-compression risk if 12.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($91.60) or 200D SMA ($92.35) invalidates the momentum regime and cuts Target Base ($96.30) toward Bear Floor ($75.11).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AX• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “AX Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

49.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE57% OF RANGE

L: $75$92.55H: $106

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on AX

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

14.8% ROIC with 42.0% gross margin and 9.32% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

26/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like AX

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (AX Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

AX // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.03%📐 HORIZONTAL RANGE

2026-10-30O $90.36H $93.06L $90.04C $92.55VOL 459.5K

SUP: $79.68SMA50: $91.60SMA200: $92.35

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AX Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AX Butterfly Map → + Track AX →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

2.8%/yr Implied 5Y Growth

vs. +1.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on AX today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AX. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for AX today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AX)

Financials Rank #238 of 1096 ⚔️ EBC vs AX Full Matrix →

1. Head-to-Head Financials Peer Comparison (AX vs. EBC, TFSL, BKU, PFS)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Axos Financial Inc. (AX) ranks #238 by composite RQD confidence (67/100, grade C+) and #267 by equity capitalization ($5.26B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while AX leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. EBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with AX at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
AX ACTIVE Axos Financial Inc.	C+	67/100	12.2x	—	14.8%	+1.17%	$5.26B	Benchmark Subject
EBC Eastern Bankshares Inc.	C+	69/100	58.6x	—	0.7%	+0.53%	$5.17B	/ebc-vs-ax →
TFSL TFS Financial Corporation	D	48/100	51.7x	—	4.8%	+0.54%	$4.70B	/tfsl-vs-ax →
BKU BankUnited Inc.	C+	68/100	11.5x	—	8.8%	+1.38%	$3.09B	/bku-vs-ax →
PFS Provident Financial Services Inc	C	62/100	10.4x	—	10.3%	+0.22%	$3.02B	/pfs-vs-ax →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0001299709

In its most recent audited fiscal period (FY2025, filed 2025-06-30), Axos Financial Inc. (AX) reported GAAP revenue of $65.8M (+1.8% vs. FY2024 revenue of $64.6M , and +0.8% cumulative change since FY2023) , GAAP net income of $432.9M, operating cash flow of $490.3M, and free cash flow of $490.3M (+60.5% YoY). On the balance sheet, AX closed FY2025 with $28.20B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-06-30	$65.8M	$432.9M	$490.3M	$490.3M	$28.20B	—
FY2024 (FY)	2024-06-30	$64.6M	$450.0M	$305.5M	$305.5M	$23.71B	—
FY2023 (FY)	2023-06-30	$65.3M	$307.2M	$196.7M	$196.7M	—	—

3. AX Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Axos Financial Inc. (NYSE: AX) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $92.55 (+1.17% 1D, market cap $5.26B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, AX ranks #238 in composite RQD confidence.

How does AX compare to EBC and TFSL in the Financials sector?

Within the Financials sector (Savings Institutions), AX carries a Roarable C+ (67/100 RQD), trailing P/E of 12.2x, gross margin of —, and ROIC of 14.8%. By comparison, EBC (Eastern Bankshares Inc.) holds a C+ grade (69/100 RQD, P/E 58.6x, ROIC 0.7%, cap $5.17B) and TFSL (TFS Financial Corporation) posts a D grade (48/100 RQD, P/E 51.7x, ROIC 4.8%, cap $4.70B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while AX leads on capital efficiency (14.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for AX?

Per AX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001299709), Axos Financial Inc. generated $65.8M in revenue (+1.8% YoY), $432.9M in net income, and $490.3M in free cash flow against $28.20B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is AX trading relative to its 50-day, 200-day, and 52-week technical levels?

AX last traded at $92.55 (+1.17% on volume of 346,791 shares), positioning the stock +1.04% above its 50-day simple moving average ($91.60) and +0.22% above its 200-day simple moving average ($92.35). Across its 52-week range of $74.89 to $105.74, AX sits at the 57.2% percentile with a 14-day RSI of 49.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($88.48 to $96.62).

AX Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell AX stock right now?

Axos Financial Inc. (AX) currently earns a Roarable Rating of C+ (Hold — HOLD) with 67/100 RQD Confidence. Solid steady margins (15% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.

What is AX's 12-month price target and RQD AI Jury consensus?

AX's 12-month base price target is $96.3 (range $75.11 to $113.63), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: AX RQD Cockpit AX 12M Forecast AX Earnings & Move AX Dividends & DRIP AX Insiders & 13F AX Whale Options AX Profit Sankey AX News & Why