Axos Financial
Provides digital banking, specialized lending, securities clearing, custody, and investing services.
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Profile
Provides nationwide digital banking, deposits, and consumer and commercial lending, while earning additional fees from securities clearing, custody, and digital investing. Most of the business sits in banking, tying results to lending spreads, deposit funding, credit performance, and financial-services regulation.
Provides consumer and business banking nationwide through digital channels, affinity partners, and specialized lending teams. Deposit products include checking, savings, and time accounts; lending spans single-family and multifamily mortgages, commercial real estate, commercial and industrial credit, specialty finance, auto loans, and other consumer credit. The Banking Business remains the larger of two operating segments.
Extends the platform through Axos Clearing, Axos Advisor Services, and Axos Invest, which provide clearing, custody, margin and securities lending, self-directed trading, and digital investment advice. Revenue comes primarily from the spread between interest earned on loans and interest paid on deposits and borrowings, supplemented by asset-, transaction-, and service-based fees. Results depend on funding costs, credit performance—particularly in real-estate and commercial lending—and compliance with bank, consumer-finance, broker-dealer, and investment-adviser regulation.
Company facts
Key statistics
Year to date +12.0% · Average volume (30d) 307.7K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 31, 2026 | D.A. Davidson | Target | $112 | $121 | ||
| Jul 31, 2026 | Needham | Reiterate | Buy | $110 | $128 | |
| Jul 8, 2026 | Benchmark | Initiate | Buy | |||
| Apr 7, 2026 | Raymond James | Upgrade | Outperform | Strong Buy | ||
| Jan 30, 2026 | DA Davidson | Reiterate | Buy | $107.50 | $112 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026Q4 FY26 | $2.16 | $2.20 | +1.9% | $375.5M | $379.8M | +1.1% | +2.98% |
| Apr 30, 2026Q3 FY26 | $2.13 | $1.90 | −10.8% | $372.5M | $392.2M | +5.3% | −9.36% |
| Jan 29, 2026Q2 FY26 | $2.07 | $2.25 | +8.7% | $347.2M | $385.1M | +10.9% | +4.60% |
| Oct 30, 2025Q1 FY26 | $1.86 | $2.07 | +11.3% | $335.5M | $319.2M | −4.9% | −1.69% |
Financial highlights
| 12 quarters | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $461.9M | $479.4M | $493.9M | $562.9M | $564.2M | $569.5M | |
| Gross profit | $290.2M | $302.2M | $301.9M | $355.8M | $351.2M | $370.4M | |
| Operating income | $148.1M | $155.8M | $149.9M | $175.5M | $165.3M | $156.0M | |
| Net income | $105.2M | $110.7M | $112.4M | $128.4M | $124.7M | $124.9M | |
| Diluted EPS | $1.81 | $1.92 | $1.94 | $2.22 | $2.15 | $2.16 | |
| Gross margin | 62.8% | 63.0% | 61.1% | 63.2% | 62.3% | 65.0% | |
| Operating margin | 32.1% | 32.5% | 30.3% | 31.2% | 29.3% | 27.4% |
Fiscal years (4-quarter sums)FY22 $757.9M · FY23 $1.26B · FY24 $1.77B · FY25 $1.93B · FY26 $2.19B
Revenue by product · FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $163.5M · Total debt $691.6M · Total assets $29.96B · Shareholders' equity $3.17B
Dividends
No dividends on record.
Ownership
Institutions and insiders are filed separately and overlap, so together they can pass the whole company. No split is drawn from them.
Shares outstanding 56.88M · Float 54.33M · 95.5% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 8.39M | 14.75% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 3.14M | 5.51% | 13F | Aug 13, 2026 |
| State Street Corp | 3.02M | 5.32% | 13F | Aug 7, 2026 |
| FMR LLC | 2.97M | 5.22% | 13F | Aug 13, 2026 |
| American Century Companies Inc | 2.71M | 4.76% | 13F | Aug 12, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 5, 2026 | Roque A. Santi | director | −500 | $105.30 |
| Jun 8, 2026 | Thomas M. Constantine | other: EVP, Chief Credit Officer | −1,994 | $88.55 |
| May 19, 2026 | Michael James Watson | other: EVP, Head of Axos Securities | −1,653 | $83.77 |
| May 8, 2026 | Roque A. Santi | director | −500 | $87.77 |
| Feb 17, 2026 | Mosich Nick | director | −1,275 | $98.00 |
Peers
- Ally Financial
Direct-bank rival in online deposits, auto lending, and investing
- Charles Schwab
Scale custody and brokerage rival for advisors, trading, and cash
- SoFi
Digital-bank and lending rival across deposits, loans, and investing
- Interactive Brokers
Self-cleared brokerage rival in execution, margin, and advisors
- LendingClub
Digital marketplace bank competing in deposits and consumer credit
- First Internet Bancorp
Branchless bank peer in deposits, CRE, SBA, and specialty finance
- Customers Bancorp
Branch-light commercial-bank peer in deposits and specialty lending
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Axos Financial | $97.85 | +0.01% | $5.57B | 11.6 | 10.1 | 2.5 | +19.7% |
| Ally Financial | $42.18 | 0.00% | $12.83B | 9.9 | 7.1 | 0.8 | −0.3% |
| Charles Schwab | $110.05 | −0.09% | $191.58B | 20.0 | 15.2 | 6.4 | +20.9% |
| SoFi | $18.08 | +0.22% | $23.17B | 37.6 | 24.5 | 4.1 | +41.0% |
| Interactive Brokers | $95.50 | −0.32% | $165.61B | 38.3 | 32.8 | 14.9 | +31.9% |
| LendingClub | $19.21 | +2.13% | $2.22B | 11.6 | 9.8 | 1.8 | −15.9% |
| First Internet Bancorp | $28.01 | +0.32% | $244.2M | — | 6.8 | 0.8 | +28.3% |
| Customers Bancorp | $78.58 | 0.00% | $2.66B | 9.6 | 8.7 | 1.8 | +12.4% |
| Median | 15.8 | 9.8 | 1.8 | +20.9% |