Axos Financial, Inc.

$ 88.07 0.10 %

Founded in Las Vegas, Nevada, in 1999, Axos Financial, Inc. is a U.S.-based financial institution that delivers a comprehensive array of banking services to both individual consumers and businesses. The company operates through two primary divisions: its core Banking Business and its Securities Business. For deposits, Axos provides a broad spectrum of options including checking, savings, demand, money market, and time deposit accounts, alongside specialized products such as zero balance and insured cash sweep accounts. Its diverse lending portfolio encompasses various mortgage types, such as single-family, multi-family, and commercial real estate-backed loans. They also extend commercial and industrial loans, comprising non-real estate, asset-backed, term loans, and lines of credit. Consumer lending encompasses automobile loans, fixed-rate unsecured loans, and unique offerings such as structured settlements, Small Business Administration (SBA) loans, and securities-backed financing. Beyond its core banking activities, Axos provides extensive services, including ACH origination, wire transfers, commercial check printing, and tools for business bill payment and account transfers. Digital solutions such as remote and mobile deposit, lockbox services, merchant payment processing, and online payment portals are readily available. Clients benefit from concierge banking, mobile and text message banking, diverse payment services, and access to debit cards, credit cards, and digital wallets. In its Securities Business, Axos facilitates disclosed clearing services and comprehensive back-office support. This encompasses record keeping, trade reporting, accounting, general administrative support, securities and margin lending, reorganization assistance, and the secure custody of securities. The company also offers financing solutions to its brokerage clients. The institution, previously known as BofI Holding, Inc., adopted its current name, Axos Financial, Inc., in September 2018.

CEO: Gregory Garrabrants - https://axosfinancial.com

Price objectif

$111 26.04 %

Recommandation

Buy

DCF

$ 190.97

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AX vs S&P500

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Quick ratio

0.09

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

10.73

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

8.21

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

16.60 %

reflects reasonable profitability, showing good use of equity.

ROIC

7.30 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

18.30

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.92

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

7.53

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

0.00 %

the dividend payout ratio is the measure of dividends paid out to shareholders relative to the company's net income.

Earnings per share

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Financials

Piotroski score
4 indicates moderate financial health
Altman score
-0.51 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.05 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.10 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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