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NEW YORK STOCK EXCHANGE, INC. · Banking · CIK 0001299709
$89.47
-0.43% · live
Updated
$5.08B market value
From Axos Financial, Inc.'s FY2026 10-K, filed Aug 20, 2026 · read the filing
Axos Financial takes deposits and lends money. It took in $81.3M last year, which makes it a small company. Of every dollar it sells, about 604 cents is left as profit.
The financial picture is led by profitability and growth, with debt worth watching.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Financial health
Strong finances across the board.
From Axos Financial, Inc.'s FY2026 annual filing · share price scored separately
Largest year-over-year changes in FY2026
Profit margin
658.0% → 603.5%
Cash
$1.93B → $1.11B
Capital spending
$54.2M → $266.4M
Revenue
$65.8M → $81.3M
Measured against FY2025, from the 10-K filed Aug 20, 2026
Deteriorated: −54.5 pts
658.0% to 603.5%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
How the latest move compares (quote live), and what was published around it
AX fell 0.43% on the latest quote. The average Financials company tracked here moved +1.11%, and the S&P 500 −1.04%. That is 1.5 points below its sector and 0.6 points above the market.
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Opinions from 15 analysts covering this company, as of . Their views, not this site's.
Of 15 analysts publishing on this company, 5 say strong buy, 8 say buy and 2 say hold. Analysts are paid to publish a view and are wrong often; the split above says how much they agree with each other, which is the part a single headline rating hides.
Published by Finnhub. Analyst coverage skews towards larger companies and towards optimism — sell ratings are rare across the whole market, so a company with none is ordinary rather than endorsed.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 604 cents of every dollar of sales as profit, earning $490.4M last year.
Yes, quickly. Sales grew 23.5% last year.
For every $1 it owes, it owns $1.12 in assets. Banks and insurers always carry high debt — that is how lending works — so this is normal for the industry and not comparable with other sectors.
Core operating and valuation reference metrics
Income
This company pays no dividend. It keeps its profits and reinvests them in the business instead, so any return would have to come from the share price.
Figures from the FY2026 annual filing
Last year it earned $490.4M and generated $557.6M of cash from operations.
Reported annual figures
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202610-K · Aug 20, 2026Filing for FY2026 | FY202510-K · Aug 21, 2025Filing for FY2025 | FY202410-K · Aug 22, 2024Filing for FY2024 | FY202310-K · Aug 22, 2024Filing for FY2023 | FY202210-K · Aug 22, 2024Filing for FY2022 | ChangeFY2026 vs FY2025 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $81.3M | $65.8M | $64.6M | $65.3M | $59.4M | +23.5% |
| Interest expense | $710.0M | $687.7M | $694.2M | $374.0M | $52.6M | +3.2% |
| Income before tax | $646.7M | $613.4M | $635.5M | $431.7M | $340.0M | +5.4% |
| Net income | $490.4M | $432.9M | $450.0M | $307.2M | $240.7M | +13.3% |
| Net marginNet income ÷ revenueWhat is this? | 603.5% | 658.0% | 696.2% | 470.7% | 405.0% | −54.5 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $8.64 | $7.66 | $7.91 | $5.21 | $4.03 | +12.8% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Exercised stock options — 3,905 shares at $92.68 ($361.9K)
Holds 20,100 shares after this filing.
Shares were sold back to the company — 2,102 shares at $92.68 ($194.8K)
Holds 17,998 shares after this filing.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Proxy statement for a shareholder meeting
Read the filingCompleted an acquisition or disposal
Read the filingWrite down why you are following Axos Financial, Inc., what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
The 32 subsidiaries named in its 10-K, incorporated across 6 places. A filer lists the significant ones and may leave the rest out, so this is the floor rather than the full count.
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from AX's 10-K for fiscal year 2026 (period ending 2026-06-30, filed Aug 20, 2026), reported under the US GAAP taxonomy. View the source filing.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 7 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2026 | 8.7 | 7/7 | 10-K, filed Aug 20, 2026 |
| FY2025 | 7.3 | 5/7 | 10-K, filed Aug 21, 2025 |
| FY2024 | 6.0 | 5/7 | 10-K, filed Aug 22, 2024 |
| FY2023 | 7.3 | 5/7 | 10-K, filed Aug 29, 2023 |
| FY2022 | 8.7 | 5/7 | 10-K, filed Sep 8, 2022 |
| FY2021 | 8.0 | 6/6 | 10-K, filed Aug 26, 2021 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
7 of 7 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. 2 could not be evaluated and are excluded from the total rather than counted as failures.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2026 filing as filed with the SEC.
Deteriorated: -42.7%
$1.93B to $1.11BCritical
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Changed: +391.5%
$54.2M to $266.4MCritical
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
Improved: +23.5%
$65.8M to $81.3MSignificant
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Deteriorated: -33.2%
$436.1M to $291.1MSignificant
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
Improved: +13.3%
$432.9M to $490.4MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +12.8%
$7.66 to $8.64Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: +9.7%
$312.7M to $342.9MNotable
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
1 other measure barely moved. Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
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Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 5.6% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 10.8x — investors pay $10.8 for each $1 of trailing profit.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Exercised stock options — 3,629 shares at $92.68 ($336.3K)
Holds 133,007 shares after this filing.
Shares were sold back to the company — 1,956 shares at $92.68 ($181.3K)
Holds 131,051 shares after this filing.
Exercised stock options — 1,643 shares at $92.68 ($152.3K)
Holds 12,224 shares after this filing.
Shares were sold back to the company — 884 shares at $92.68 ($81.9K)
Holds 11,340 shares after this filing.
Exercised stock options — 4,946 shares at $92.68 ($458.4K)
Holds 46,579 shares after this filing.
Shares were sold back to the company — 2,668 shares at $92.68 ($247.3K)
Holds 43,911 shares after this filing.
Exercised stock options — 3,174 shares at $92.68 ($294.2K)
Holds 7,766 shares after this filing.
Shares were sold back to the company — 1,583 shares at $92.68 ($146.7K)
Holds 6,183 shares after this filing.
Exercised stock options — 3,502 shares at $92.68 ($324.6K)
Holds 32,796 shares after this filing.
Shares were sold back to the company — 1,885 shares at $92.68 ($174.7K)
Holds 30,911 shares after this filing.
Exercised stock options — 4,127 shares at $92.68 ($382.5K)
Holds 44,280 shares after this filing.
Shares were sold back to the company — 2,222 shares at $92.68 ($205.9K)
Holds 42,058 shares after this filing.
Exercised stock options — 1,122 shares at $92.68 ($104.0K)
Holds 2,130 shares after this filing.
Shares were sold back to the company — 547 shares at $92.68 ($50.7K)
Holds 1,583 shares after this filing.
Notice filed ahead of a planned sale — the sale itself has not necessarily happened yet.
Filed notice to sell 500 shares ($52.6K) on or after .
Shares originally obtained via Restricted Stock.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Annual report for FY2026
Revenue +23.5% · Profit margin −54.5 pts · Cash -42.7% — against FY2025
Made a Regulation FD disclosure
Read the filingPublished results · Reported another event
Read the filingReported another event
Read the filingReported another event
Read the filingMade a Regulation FD disclosure
Read the filingCompleted an acquisition or disposal
Read the filingQuarterly report for Q3 FY2026
Cash -41.6% · Profit +18.5% · Earnings per share +18.5% — against Q3 FY2025
Read the filingPublished results
Read the filingSigned a material agreement
Read the filingReported another event
Read the filingSigned a material agreement
Read the filingMade a Regulation FD disclosure
Read the filingQuarterly report for Q2 FY2026
Cash -58.6% · Profit +22.6% · Earnings per share +23.6% — against Q2 FY2025
Read the filingPublished results
Read the filingReported another event
Read the filingHad a director or senior officer leave or join
Read the filingHeld a shareholder vote
Read the filingSource: Exhibit 21 of the 10-K filed 2026-08-20. These are legal entities, not brands or acquisitions — a company that bought a business may hold it inside an entity named here, or inside one small enough that the rule does not require naming it at all.
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