Axos Financial, Inc.(AX)Stock Analysis
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Rank #2,204 of 2,879 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
AX Stock Analysis & AI Quality Score
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 34.3/100 on a 32-signal composite quality model, placing it at rank #2,204 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include revenue growth (30.0) and profitability (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 4.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q3 2026), Axos Financial, Inc. reports quarterly revenue of $392.2M, net income of $124.7M, an operating margin of 42.1%. 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 8 and 74 since 2021, currently 34.3 — a declining long-term trajectory across 56 quarterly and live scoring snapshots.
Revenue
Q3 2026
$392.2M
Net Income
Q3 2026
$124.7M
Free Cash Flow
Q3 2026
$-101.2M
Operating Margin
Q3 2026
42.1%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+1.8% YoYNet Income
-3.8% YoYEPS (Diluted)
-3.0% YoYTotal Assets
+8.4% YoYTotal Debt
-4.0% YoYOp. Cash Flow
+60.5% YoY| Metric | FY 2025 | FY 2024 | FY 2022 | FY 2021 | FY 2018 | FY 2016 |
|---|---|---|---|---|---|---|
| Revenue | $65.8M +1.8% | $64.6M +8.8% | $59.4M +89.7% | $31.3M +254.7% | $8.8M | — |
| Net Income | $432.9M -3.8% | $450.0M +86.9% | $240.7M +11.6% | $215.7M +41.5% | $152.4M +27.8% | $119.3M |
| EPS (Diluted) | $7.43 -3.0% | $7.66 +92.9% | $3.97 +11.5% | $3.56 +50.2% | $2.37 +26.7% | $1.87 |
| Total Assets | $24.78B +8.4% | $22.86B +31.3% | $17.40B +22.0% | $14.27B +49.5% | $9.54B +25.5% | $7.60B |
| Total Debt | $312.7M -4.0% | $325.7M -26.9% | $445.2M +101.1% | $221.4M +305.8% | $54.6M | — |
| Operating Cash Flow | $490.3M +60.5% | $305.5M +41.0% | $216.6M -47.5% | $412.6M +145.7% | $167.9M +0.6% | $166.9M |
AI Insight: AX Financial Trends
Axos equity base has grown 34% over eight quarters, reaching $3,065M in Q1 2026, while net income hit a new high of $128M in Q4 2025.
• Net income climbed from $105M in Q2 2024 to a peak of $128M in Q4 2025, a 22% increase over six quarters.
• Equity expanded steadily from $2,291M in Q2 2024 to $3,065M in Q1 2026, reflecting consistent retained earnings buildup.
• Operating cash flow is volatile, ranging from $42M in Q1 2026 to $183M in Q2 2025, with no clear directional trend.
⚠ Operating CF dropped sharply to $42M in Q1 2026, the lowest in eight quarters, despite net income of $125M.
⚠ Total debt data is missing for Q3 2025 onward; prior trend showed debt rising from $314M to $377M between Q3 2024 and Q1 2025.
⚠ Net income dipped to $125M in Q1 2026 from $128M in Q4 2025 — modest but worth monitoring for momentum stall.
AI Insight: AX Ratio Trends
ROIC surged to 24.0% in Q4 2025 but pulled back to 21.6% in Q1 2026, keeping profitability metrics below the mid-2024 peak.
• ROIC peaked at 24.0% in Q4 2025, up from a trough of 19.9% in Q1 2025, but fell back to 21.6% in Q1 2026.
• ROE declined from 18.7% in Q3 2024 to 16.3% in Q1 2026, a roughly 240bp deterioration over five quarters.
• ROA has held relatively stable between 1.6%–1.9% across all reported quarters, suggesting consistent asset efficiency.
• D/E improved from 0.14 in Q2 2024 to 0.12 in Q2 2025, the last quarter with available leverage data.
⚠ ROE has not recovered to its Q3 2024 high of 18.7% — sustained compression would signal structural profitability erosion.
⚠ ROA dipped to 1.6% in both Q3 2025 and the TTM period — worth monitoring for further asset-yield pressure.
⚠ D/E data is absent for Q3 2025 onward; absence of leverage transparency is a gap to track in upcoming filings.
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Top Institutional Holders of AX
BlackRock, Inc.
$708.1M8,321,298 shVANGUARD PORTFOLIO MANAGEMENT LLC
$263.0M3,090,775 shSTATE STREET CORP
$239.7M2,816,697 shAMERICAN CENTURY COMPANIES INC
$213.6M2,510,407 shVANGUARD CAPITAL MANAGEMENT LLC
$208.8M2,454,074 shFMR LLC
$207.4M2,437,674 shDIMENSIONAL FUND ADVISORS LP
$185.2M2,177,003 shGEODE CAPITAL MANAGEMENT, LLC
$168.5M1,958,430 shDavis Asset Management, L.P.
$124.0M1,535,219 shWELLINGTON MANAGEMENT GROUP LLP
$71.3M837,853 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $708.1M | 8,321,298 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $263.0M | 3,090,775 |
| STATE STREET CORP | $239.7M | 2,816,697 |
| AMERICAN CENTURY COMPANIES INC | $213.6M | 2,510,407 |
| VANGUARD CAPITAL MANAGEMENT LLC | $208.8M | 2,454,074 |
| FMR LLC | $207.4M | 2,437,674 |
| DIMENSIONAL FUND ADVISORS LP | $185.2M | 2,177,003 |
| GEODE CAPITAL MANAGEMENT, LLC | $168.5M | 1,958,430 |
| Davis Asset Management, L.P. | $124.0M | 1,535,219 |
| WELLINGTON MANAGEMENT GROUP LLP | $71.3M | 837,853 |
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Popular Research
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.
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.