Axos Financial Inc (AX) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Axos Financial Inc stock (AX) is currently trading at $85.69. Axos Financial Inc PE ratio is 10.72. Axos Financial Inc PS ratio (Price-to-Sales) is 3.78. Analyst consensus price target for AX is $110.33. WallStSmart rates AX as Buy.
- AX PE ratio analysis and historical PE chart
- AX PS ratio (Price-to-Sales) history and trend
- AX intrinsic value — DCF, Graham Number, EPV models
- AX stock price prediction 2025 2026 2027 2028 2029 2030
- AX fair value vs current price
- AX insider transactions and insider buying
- Is AX undervalued or overvalued?
- Axos Financial Inc financial analysis — revenue, earnings, cash flow
- AX Piotroski F-Score and Altman Z-Score
- AX analyst price target and Smart Rating
Axos Financial Inc
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AX Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Axos Financial Inc (AX)
AX trades at a significant discount to its Graham intrinsic value of $347.35, offering a 73% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Axos Financial Inc (AX) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Axos Financial Inc (AX) Key Strengths (9)
Growing significantly faster than its price suggests
Keeps $51 of every $100 in revenue after operating costs
Keeps $36 of every $100 in revenue as net profit
84.11% of shares held by major funds and institutions
Trading at 1.60x book value, attractively priced
Strong revenue growth at 21.80% annually
Strong earnings growth at 23.30% per year
Mid-cap company balancing growth potential with stability
Solid profitability: $17 profit per $100 equity
Supporting Valuation Data
Axos Financial Inc (AX) Areas to Watch (1)
Revenue is fairly priced at 3.78x sales
Axos Financial Inc (AX) Detailed Analysis Report
Overall Assessment
This company scores 83/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 9 register as strengths (avg 8.7/10) while 1 fall into concern territory (avg 6.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (0.95), Price/Book (1.60) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 16.80%, Operating Margin at 50.60%, Profit Margin at 36.00%. Growth metrics are encouraging with Revenue Growth at 21.80%, EPS Growth at 23.30%.
The Bear Case
The primary concerns are Price/Sales. Some valuation metrics including Price/Sales (3.78) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 16.80% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 21.80% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AX Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AX's Price-to-Sales ratio of 3.78x trades at a 35% premium to its historical average of 2.8x (87th percentile). The current valuation is 18% below its historical high of 4.62x set in Nov 2021, and 144% above its historical low of 1.55x in Apr 2020. Over the past 12 months, the PS ratio has expanded from ~2.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Axos Financial Inc (AX) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Axos Financial Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.3B with 22% growth year-over-year. Profit margins are strong at 36.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 36.0% and operating margin of 50.6% demonstrate strong pricing power and operational efficiency.
Generating 85M in free cash flow and 104M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Growth sustainability: can Axos Financial Inc maintain 22%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Axos Financial Inc.
Bottom Line
Axos Financial Inc offers an attractive blend of growth (22% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(75 last 3 months)
| Insider | Type | Shares |
|---|---|---|
NICK, MOSICH Director | Sell | -1,275 |
| Insider | Type | Shares |
|---|---|---|
NICK, MOSICH Director | Sell | -1,000 |
| Insider | Type | Shares |
|---|---|---|
GARRABRANTS, GREGORY Director, President and CEO | Sell | -43,294 |
Data sourced from SEC Form 4 filings
Last updated: 11:33:44 AM
About Axos Financial Inc(AX)
NYSE
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.