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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 745.3% FCF Margin ($490.3M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Axos Financial Inc. (AX) advanced +1.17% to $92.55, trading at 57% of its 52-week range ($74.89 – $105.74). Solid steady margins (15% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
Axos Financial stock slipped 2.3% to US$90.45 heading into the weekend, even as fresh Q1 2027 numbers landed solidly in the black. The bank posted basic earnings per share of US$2.28 on total revenue of US$370.6m, with n
Net income surged 15.4% while deposit balances grew 14% year over year.
Axos Financial (NYSE:AX) reported higher first-quarter fiscal 2027 earnings as net interest income, fee revenue, loans, deposits and book value per share increased from a year earlier. The company also said it expects to
2026-10-30. The following slide deck was published by Axos Financial, Inc.
Axos Financial Q1 2027 results met consensus; revenue was near estimates, EPS slightly above, net income rose 15.4%, and credit quality improved.
Axos Financial (AX) delivered earnings and revenue surprises of +4.00% and +2.33%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
The headline numbers for Axos Financial (AX) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the y
LAS VEGAS (AP) — LAS VEGAS (AP) — Axos Financial (AX) on Thursday reported fiscal first-quarter net income of $129.The Las Vegas-based company said it had net income of $2.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +1.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on AX today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for AX. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why AX Stock advanced +1.17% Today — RQD Quant Desk Flash. Solid steady margins (15% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Paper Trading Arena account.