Stock Ratings / Financials / AX / earnings

EBC (69) TFSL (52) BKU (54) PFS (68) ⌘ Pro Terminal →

Axos Financial Inc. (AX) Next Earnings Date & Expected ±4.3% Move

$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 68/100 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 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $5.26B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AX Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Axos Financial Inc. (NYSE: AX) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 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 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, AX ranks #179 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AX compare to EBC and TFSL in the Financials sector?

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Within the Financials sector (Savings Institutions), AX carries a Roarable C+ (68/100 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 (52/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AX?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

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 B · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AX)Realized 20D OHLCV Swing Band: ±4.3%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY AX SCORES 68/100 (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 Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

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

Q1 (-3Q)

Grade C$88.91-1.1% Next Q

Q2 (-2Q)

Grade C+$87.92+4.4% Next Q

Q3 (-1Q)

Grade C+$91.77+0.8% Next Q

Current

Grade C+$92.55+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)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 68/100 (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 ($91.52) or 200D SMA ($92.34) invalidates the momentum regime and cuts Target Base ($96.71) toward Bear Floor ($75.43).

🎲 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 68%NO 32%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 28, 2026 (~56 DAYS)

Historical OHLCV Volatility ±4.3% Swing Band

±$3.98 Expected Swing

MODEL EARNINGS SETUP GAUGE

AX Quantitative Pre-Earnings Setup: 68/100

Trailing EPS: $7.61 • YoY Revenue Growth: 1.8%

Model Bullish Setup (68/100)Model Risk Weight (32/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-06-30	$65.8M	$432.9M	$490.3M	52%
FY 2024	2024-06-30	$64.6M	$450.0M	$305.5M	52%
FY 2023	2023-06-30	$65.3M	$307.2M	$196.7M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating AX & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on AX
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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: +6.04%⚡ TESTING RESISTANCE

2026-11-02O $91.48H $92.55L $91.48C $92.55VOL 346.8K

RES: $93.48SUP: $79.47SMA50: $91.52SMA200: $92.34

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 #179 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 #179 by composite RQD confidence (68/100, 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 68/100 (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+	68/100	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+	52/100	51.7x	—	4.8%	+0.54%	$4.70B	/tfsl-vs-ax →
BKU BankUnited Inc.	D+	54/100	11.5x	—	8.8%	+1.38%	$3.09B	/bku-vs-ax →
PFS Provident Financial Services Inc	C+	68/100	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?

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

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

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 +1.13% above its 50-day simple moving average ($91.52) and +0.23% above its 200-day simple moving average ($92.34). Across its 52-week range of $74.89 to $105.74, AX sits at the 57.2% percentile with a 14-day RSI of 56.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.3% ($88.57 to $96.53).

AX Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is AX's next earnings date?

Based on SEC filing cadence, Axos Financial Inc. (AX)'s next quarterly reporting window is estimated around Dec 28, 2026.

How much is AX stock expected to move on earnings?

Volatility modeling currently projects a ±4.3% event move for AX, spanning a range between $88.57 and $96.53.

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