Axos Financial, Inc.

Fundamentals6.0
Price Action6.0
News Sentiment7.0
AI Rating
6.0

Key Drivers

  • Profitability Strength
  • Leverage Risk
  • Cash Conversion

AI
AI Summary

6.0

Axos is a high-ROE compounder worth owning only if it can keep converting loan and deposit growth into durable earnings, because fading accretion, margin normalization, credit risk, and its highly leveraged balance sheet mean the stock's upside now depends on execution rather than easy spread expansion.

GrowthOpportunity
CreditRisk
Banking‍

Price Chart

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Financial Metrics

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Revenue (TTM)
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Net Income (TTM)
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EPS (Q)
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MCAP

Deep Analysis

Research tool. Not personalized advice.

Fundamental Analysis

6.0

Key Financial Insights:

  • Profitability Strength
  • Leverage Risk
  • Cash Conversion

AX remains highly profitable with strong cash generation and moderate valuation multiples, but its extremely leveraged, thinly capitalized balance sheet makes solvency the main risk, especially after free cash flow turned negative in the latest quarter.

profitable
leveraged

Price Behavior

6.0
Research tool. Not personalized advice. Technical analysis is for informational purposes only.

Key Price Behavior Insights:

  • Mild uptrend
  • Near-term support
  • Overhead resistance

AX has shown a mildly constructive recovery over the last month, but momentum has cooled near $104-$105 resistance and $100 support now needs to hold to keep the uptrend intact.

recovery
watch
Support Level: $100
Resistance Level: $104-$105

Brief dip into the mid-$95s was followed by a rebound to about $105.1 before easing back

Sentiment & News

7.0

Key News Insights:

  • Earnings Beat
  • Balance-Sheet Growth
  • Valuation Caution

Axos posted strong Q4 earnings and balance-sheet growth, but credit-loss and valuation concerns keep the outlook mixed despite bullish investor buying and a higher price target.

BankingGrowth

The news is mildly positive for Axos as solid execution and investor accumulation support the stock, but valuation and credit-quality risks may limit upside