What is the 13F Pro Quality Score for AX?

13F Pro ranks Axos Financial, Inc. (AX) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View AX's current score at https://13fpro.ai/company/AX (free sign-up required for the full ranking).

Which hedge funds own the most AX stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of AX include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/AX as soon as new 13F filings post.

Where does 13F Pro source AX data?

All Axos Financial, Inc. fundamentals and ownership data come directly from SEC EDGAR. Axos Financial, Inc. files with the SEC under CIK 1299709. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is AX in?

Axos Financial, Inc. (AX) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives AX's revenue?

Per Axos Financial, Inc.'s latest 10-K filed with the SEC on 2026-08-20, the biggest revenue drivers are: Net interest income ($1.25B, +10.5% YoY); Non-interest income ($233.6M, +78.2% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/AX.

What are AX's largest expenses?

Axos Financial, Inc.'s latest 10-K reports these as the largest expense items: Salaries and related costs ($323.0M, +8.4% YoY). Sourced directly from SEC EDGAR filing text for FY2026 (year ended June 30, 2026).

How often is AX research updated on 13F Pro?

AX's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Axos Financial, Inc.(AX)Stock Analysis

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13F Pro Quality Score

60.3/100

Rank #867 of 2,961 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

64.8/100

Profitability

90.0/100

Balance Sheet

51.7/100

Earnings Quality

43.8/100

Free Cash Flow

72.3/100

Institutional Flow

43.7/100

Revenue Scale

57.8/100

Dilution Risk

4.5/100

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Why AX Scores 60/100

exact factor attribution · 2026-09-11

AX's composite is driven by profitability and revenue growth, held back by shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.0 pts

90th pct

Revenue growth

+4.0 pts

65th pct

Free cash flow

+3.3 pts

72th pct

Scale

+1.6 pts

58th pct

Capital efficiency

+0.2 pts

52th pct

Earnings growth

+0.0 pts

50th pct

Institutional flow

-0.4 pts

44th pct

Earnings quality

-0.6 pts

44th pct

Shareholder dilution

-3.0 pts

5th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

AX Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Axos Financial, Inc. (AX), a Financials sector company. 13F Pro's AI-powered ranking engine scores AX at 60.3/100 on a 32-signal composite quality model, placing it at rank #867 of 2,961 stocks — the top half of the AI-ranked universe. AX scores in the top quartile across profitability (90.0). Shareholder dilution risk is elevated at 4.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Axos Financial, Inc. reports quarterly revenue of $379.8M, net income of $124.9M, an operating margin of 41.1%. Top institutional holders of AX by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET, based on the most recent SEC filings. AX trades on the NYSE exchange and files with the SEC under CIK 1299709. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate AX daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Axos Financial, Inc. directly from SEC EDGAR. Axos Financial, Inc.'s 13F Pro composite quality score has ranged between 32 and 74 since 2021, currently 60.3 — a declining long-term trajectory across 66 quarterly and live scoring snapshots.

What's Driving AX's Business? Latest 10-K Breakdown

AI-extracted from Axos Financial, Inc.'s 10-K filed 2026-08-20 — FY2026 (year ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Axos Financial reported net income of $490.4M (+13.3% YoY) on total revenue of $1.48B, driven by 10.5% growth in net interest income and 78.2% surge in non-interest income from acquisitions.

Biggest Revenue Drivers

Net interest income$1.25B+10.5% YoY

Higher average loan balances offset by lower rates earned; partially offset by increased interest expense on secured financings from Verdant acquisition and FHLB advances.

Non-interest income$233.6M+78.2% YoY

Increased banking and servicing fee income from Verdant acquisition and commercial office complex operating lease rental income; $22.0M legal settlement in Company's favor.

Biggest Revenue Drivers

Total revenue: $1.48B+16.2% YoY

Net interest income$1.25B+10.5% YoY

Higher average loan balances offset by lower rates earned; partially offset by increased interest expense on secured financings from Verdant acquisition and FHLB advances.

Non-interest income$233.6M+78.2% YoY

Increased banking and servicing fee income from Verdant acquisition and commercial office complex operating lease rental income; $22.0M legal settlement in Company's favor.

Largest Expense Items

Salaries and related costs$323.0M+8.4% YoY

Increased headcount and salaries, including impact of Verdant acquisition; 2,191 full-time employees at June 30, 2026 vs. 1,989 at June 30, 2025.

Margins: Net interest margin compressed to 4.70% from 4.90% YoY, primarily due to lower rates earned on loans and interest-bearing deposits partially offset by lower rates paid on deposits. Banking Business Segment NIM of 4.74% exceeds consolidated NIM, reflecting securities financing operations drag.

Watch Items from the Filing

Loan portfolio concentration: 37.4% of real estate loans secured by New York properties and 33.5% by California properties, creating significant geographic risk to state-level downturns.
Commercial real estate exposure totaling $8.9B (34% of loan portfolio) with $509.5M (7%) in office buildings; remote/hybrid work trends pose valuation and repayment risks.
Non-performing assets decreased to $159.0M (0.53% of assets) from $175.4M (0.71%), showing improvement in asset quality despite loan growth.
FINRA arbitration matter resulted in $21.0M accrual in FY2026; COR Securities declaratory judgment settlement required $7.0M accrual, indicating litigation and compliance risks.
Regulatory capital ratios declined: Common Equity Tier 1 ratio fell to 11.76% from 12.52% YoY, though still well above 6.5% 'well-capitalized' threshold.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-K on SEC EDGAR →Share on X

Revenue

Q2 2026

$379.8M

Net Income

Q2 2026

$124.9M

Free Cash Flow

Q2 2026

$197.7M

Operating Margin

Q2 2026

41.1%

ROIC

Q2 2026

17.8%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+17.6% YoY

$1.48BFY 2026

FY23 $903.6MFY24 $1.18BFY25 $1.26BFY26 $1.48B

Net Income

+13.3% YoY

$490.4MFY 2026

FY23 $307.2MFY24 $450.0MFY25 $432.9MFY26 $490.4M

EPS (Diluted)

+14.1% YoY

$8.48FY 2026

FY23 $5.07FY24 $7.66FY25 $7.43FY26 $8.48

Total Assets

+20.9% YoY

$29.96BFY 2026

FY23 $20.35BFY24 $22.86BFY25 $24.78BFY26 $29.96B

Total Debt

+9.7% YoY

$342.9MFY 2026

FY23 $361.8MFY24 $325.7MFY25 $312.7MFY26 $342.9M

Op. Cash Flow

+13.7% YoY

$557.6MFY 2026

FY23 $196.7MFY24 $305.5MFY25 $490.3MFY26 $557.6M

Free Cash Flow

-33.2% YoY

$291.1MFY 2026

FY23 $166.5MFY24 $269.5MFY25 $436.1MFY26 $291.1M

Metric	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Revenue	$1.48B +17.6%	$1.26B +6.3%	$1.18B +31.0%	$903.6M +25.4%	$720.5M +11.9%	$644.0M
Net Income	$490.4M +13.3%	$432.9M -3.8%	$450.0M +46.5%	$307.2M +27.6%	$240.7M +11.6%	$215.7M
EPS (Diluted)	$8.48 +14.1%	$7.43 -3.0%	$7.66 +51.1%	$5.07 +27.7%	$3.97 +11.5%	$3.56
Total Assets	$29.96B +20.9%	$24.78B +8.4%	$22.86B +12.3%	$20.35B +16.9%	$17.40B +22.0%	$14.27B
Total Debt	$342.9M +9.7%	$312.7M -4.0%	$325.7M -10.0%	$361.8M -18.7%	$445.2M +101.1%	$221.4M
Operating Cash Flow	$557.6M +13.7%	$490.3M +60.5%	$305.5M +55.3%	$196.7M -9.2%	$216.6M -47.5%	$412.6M
Free Cash Flow	$291.1M -33.2%	$436.1M +61.8%	$269.5M +61.9%	$166.5M -14.7%	$195.1M -51.5%	$402.1M

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Available Research

13F Pro tracks comprehensive data for Axos Financial, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of AX

BlackRock, Inc.
$817.1M8,389,477 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$305.5M3,136,801 sh
STATE STREET CORP
$294.5M3,023,908 sh
FMR LLC
$289.2M2,969,246 sh
AMERICAN CENTURY COMPANIES INC
$263.5M2,705,653 sh
VANGUARD CAPITAL MANAGEMENT LLC
$240.2M2,466,744 sh
DIMENSIONAL FUND ADVISORS LP
$214.0M2,197,135 sh
GEODE CAPITAL MANAGEMENT, LLC
$194.1M1,967,141 sh
Davis Asset Management, L.P.
$149.5M1,535,219 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$73.2M751,934 sh

Fund	Value	Shares
BlackRock, Inc.	$817.1M	8,389,477
VANGUARD PORTFOLIO MANAGEMENT LLC	$305.5M	3,136,801
STATE STREET CORP	$294.5M	3,023,908
FMR LLC	$289.2M	2,969,246
AMERICAN CENTURY COMPANIES INC	$263.5M	2,705,653
VANGUARD CAPITAL MANAGEMENT LLC	$240.2M	2,466,744
DIMENSIONAL FUND ADVISORS LP	$214.0M	2,197,135
GEODE CAPITAL MANAGEMENT, LLC	$194.1M	1,967,141
Davis Asset Management, L.P.	$149.5M	1,535,219
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$73.2M	751,934

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Is AX a good stock to buy?

13F Pro's AI-powered analysis of Axos Financial, Inc. (AX) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for AX are available on the AX stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. AX is classified as a mid company.

Which hedge funds own AX?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling AX. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Axos Financial, Inc.'s investment landscape.