AXOS FINANCIAL INC (AX)
Financials · Digital banking / fintech · NYSE
A digital-first bank and financial services platform combining online deposits, mortgage origination, and wealth advisory services.
What AXOS FINANCIAL INC does
Axos Financial is a fintech-enabled financial services company offering digital banking, investment advisory, and mortgage banking services. The company provides retail deposits through its online banking platform, originates and services residential mortgages, operates a broker-dealer business with advisory services, and manages a diversified loan portfolio. It combines low-cost deposit gathering with lending operations and capital markets activities.
Themes: ["Digital banking / online deposits","Mortgage origination and servicing","Wealth advisory / investment services","Fintech finance"]
Fundamentals
- Price$96.97 as of 2026-07-09 close
- Market cap$5.5B as of 2026-07-10
- 1-year return+14.9% as of 2026-07-09 close
- P/E11.62 as of 2026-07-10
- Net margin+35.2% as of 2026-07-10
- ROE+16.6% as of 2026-07-10
- Debt / equity0.38 as of 2026-07-10
- Revenue growth (YoY)+78.9% as of 2026-07-10
- Revenue CAGR (3y)+3.4% SEC XBRL
- Beta1.25 as of 2026-07-10
Key risks (from latest filing)
["Funding and liquidity risk: Heavy reliance on retail deposits with significant growth in deposits required to support loan portfolio expansion; increased funding costs in higher interest rate environment","Credit quality and loan performance risk: Rising provision for credit losses (83.3M for 9M 2026 vs 40.7M for 9M 2025) indicating potential deterioration in asset quality","Interest rate and market risk: Net interest margin compression from deposit competition and securities market volatility; mortgage servicing values subject to prepayment risk and market rate changes"]
Competitors & peers
- Charles Schwab (SCHW)
- E-TRADE Financial / Morgan Stanley (MS)
- TD Ameritrade
- Fidelity Investments
- Bank of America (BAC)
- Wells Fargo (WFC)
- LendingTree
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.