WallStSmart

Axos Financial Inc (AX)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 303380% more annual revenue ($4.02T vs $1.32B). AX leads profitability with a 36.0% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.93. AX earns a higher WallStSmart Score of 79/100 (B+).

AX

Strong Buy

79

out of 100

Grade: B+

Growth: 8.7Profit: 8.0Value: 7.7Quality: 3.8
Piotroski: 5/9Altman Z: -0.53

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AX6 strengths · Avg: 9.0/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Profit MarginProfitability
36.0%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
49.4%10/10

Strong operational efficiency at 49.4%

PEG RatioValuation
0.958/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
19.3%8/10

19.3% revenue growth

MFG6 strengths · Avg: 8.7/10
Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$107.90B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.938/10

Growing faster than its price suggests

P/E RatioValuation
16.4x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Areas to Watch

AX1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.532/10

Distress zone — elevated risk

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : AX

The strongest argument for AX centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.0% and operating margin at 49.4%. Revenue growth of 19.3% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.93 suggests the stock is reasonably priced for its growth.

Bear Case : AX

The primary concerns for AX are Altman Z-Score.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

AX profiles as a growth stock while MFG is a mature play — different risk/reward profiles.

AX carries more volatility with a beta of 1.30 — expect wider price swings.

AX is growing revenue faster at 19.3% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AX scores higher overall (79/100 vs 74/100), backed by strong 36.0% margins and 19.3% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Axos Financial Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Axos Financial, Inc. offers commercial and consumer banking products in the United States. The company is headquartered in Las Vegas, Nevada.

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Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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