← Axos Financial, Inc. AX
Market Price
$102.52
Market Cap
$5.73B
P/E Ratio
13.80
Revenue (FY 2025)
↑1.8% YoY
$65.79M
3-Yr CAGR: 3.4%
Net Income
↓-3.8% YoY
$432.91M
Net Margin: 658.0%
Free Cash Flow
↑61.8% YoY
$436.12M
FCF Yield: 7.61%
EPS (Diluted)
↓-3.0% YoY
$7.43
Basic: $7.61
Return on Equity
Efficiency
16.1%
ROA: 1,175.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (AX)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2020: Revenue YoY (+22.2%) is identical to Gross Profit YoY (+22.2%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2024: Revenue YoY (-1.0%) is identical to Gross Profit YoY (-1.0%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+1.8%) is identical to Gross Profit YoY (+1.8%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $261.0M | — | $204.3M | $119.3M | — | $1.85 | — | $210.6M | $210.6M | — |
| FY 2017 | $313.2M | +20.0% | $239.2M | $134.7M | +13.0% | $2.07 | +11.9% | $223.9M | $223.9M | +6.3% |
| FY 2018 | $368.5M | +17.6% | $261.9M | $152.4M | +13.1% | $2.37 | +14.5% | $167.9M | $167.9M | -25.0% |
| FY 2019 | $27.6M | -92.5% | $27.6M | $155.1M | +1.8% | $2.48 | +4.6% | $204.4M | $204.4M | +21.7% |
| FY 2020 | $33.8M | +22.2% | $33.8M | $183.4M | +18.2% | $2.98 | +20.2% | $284.1M | $284.1M | +39.0% |
| FY 2021 | $538.7M | +1,495.7% | $459.6M | $215.7M | +17.6% | $3.56 | +19.5% | $412.6M | $412.6M | +45.2% |
| FY 2022 | $59.4M | -89.0% | $6.9M | $240.7M | +11.6% | $3.97 | +11.5% | $210.3M | $188.8M | -54.2% |
| FY 2023 | $65.3M | +9.8% | $65.3M | $307.2M | +27.6% | $5.07 | +27.7% | $188.0M | $157.7M | -16.4% |
| FY 2024 | $64.6M | -1.0% | $64.6M | $450.0M | +46.5% | $7.66 | +51.1% | $305.5M | $269.5M | +70.9% |
| FY 2025 | $65.8M | +1.8% | $65.8M | $432.9M | -3.8% | $7.43 | -3.0% | $490.3M | $436.1M | +61.8% |
Valuation
Market Price
$102.52
Market Cap
$5.73B
Enterprise Value
$4.11B
P/E Ratio
13.80
P/B Ratio
2.18
FCF Yield
7.61%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
8.73%
Operating Margin
932.37%
Net Margin
658.02%
Return on Equity (ROE)
16.15%
Return on Assets (ROA)
1,175.45%
Asset Turnover
1.79x
Revenue 3-Yr CAGR
3.44%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.117
Debt / Assets
8.490
Cash & Equivalents
$1.93B
Total Debt
$312.67M
Book Value / Share
$47.12
Cash Flow Efficiency
Operating Cash Flow
$490.33M
Capital Expenditures (CapEx)
$54.21M
Free Cash Flow
$436.12M
OCF / Revenue
745.31%
FCF / Revenue
662.90%
FCF 3-Yr CAGR
32.20%
Per Share Metrics
EPS (Diluted)
$7.43
EPS (Basic)
$7.61
Dividends / Share
N/A
Book Value / Share
$47.12
EPS YoY Growth
-3.00%
Balance Sheet (FY 2025)
Total Assets
$36.83M
Total Liabilities
$22.10B
Stockholders' Equity
$2.68B
Current Assets
N/A
Current Liabilities
N/A