Verdant Commercial Capital Receives Moody's Rating Upgrade
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 18 hours ago
0mins
Should l Buy AX?
Source: Newsfilter
- Rating Upgrade: Moody's upgraded five classes of notes in Verdant Receivables 2023-1 and 2024-1, reflecting strong collateral performance and ongoing credit enhancement, indicating stability in the company's equipment finance platform.
- Specific Upgrades: In the 2023-1 transaction, Class B was upgraded to Aaa (sf), Class C to Aa1 (sf), and Class D to A3 (sf); in the 2024-1 transaction, Class B was upgraded to Aa1 (sf) and Class C to Aa3 (sf), showcasing a robust foundation for the company's asset-backed securities.
- Credit Enhancement Drivers: Moody's cited sequential pay structures, non-declining reserve accounts, and increased overcollateralization as key factors for the upgrades, with cumulative net loss expectations for both transactions reduced to 1.50%, further boosting investor confidence.
- Management Commentary: Verdant's CEO Mike Rooney stated that these upgrades underscore the strength and consistency of the vendor platform, emphasizing the company's ability to deliver high-quality assets in the equipment financing market and its commitment to long-term success.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy AX?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on AX
Wall Street analysts forecast AX stock price to rise
4 Analyst Rating
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 96.330
Low
110.00
Averages
111.75
High
115.00
Current: 96.330
Low
110.00
Averages
111.75
High
115.00
About AX
Axos Financial Inc. is the holding company for Axos Bank (the Bank), Axos Clearing LLC and Axos Invest, Inc. The Bank provides consumer and commercial banking products through its digital online and mobile banking platforms. Its segments include Banking Business and Securities Business. The Banking Business Segment includes a broad range of banking services, including online banking, concierge banking, and mortgage, vehicle and unsecured lending through online, low-cost distribution channels to serve the needs of consumers and small businesses nationally. In addition, the Banking Business Segment focuses on depositing products nationwide to industry verticals. The Securities Business Segment includes the clearing broker-dealer, registered investment advisor custody business, and introducing broker-dealer lines of businesses. These lines of business offer products independently to their own customers as well as to Banking Business Segment clients.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Verdant Commercial Capital Receives Moody's Rating Upgrade
- Rating Upgrade: Moody's upgraded five classes of notes in Verdant Receivables 2023-1 and 2024-1, reflecting strong collateral performance and ongoing credit enhancement, indicating stability in the company's equipment finance platform.
- Specific Upgrades: In the 2023-1 transaction, Class B was upgraded to Aaa (sf), Class C to Aa1 (sf), and Class D to A3 (sf); in the 2024-1 transaction, Class B was upgraded to Aa1 (sf) and Class C to Aa3 (sf), showcasing a robust foundation for the company's asset-backed securities.
- Credit Enhancement Drivers: Moody's cited sequential pay structures, non-declining reserve accounts, and increased overcollateralization as key factors for the upgrades, with cumulative net loss expectations for both transactions reduced to 1.50%, further boosting investor confidence.
- Management Commentary: Verdant's CEO Mike Rooney stated that these upgrades underscore the strength and consistency of the vendor platform, emphasizing the company's ability to deliver high-quality assets in the equipment financing market and its commitment to long-term success.
See More
Axos Financial Rated as Undervalued Growth Stock
- Buy Rating Reaffirmed: On March 9, DA Davidson reiterated a Buy rating on Axos Financial (NYSE:AX) with a $112 price target, reflecting strong confidence in its prospects as an internet bank, which is expected to drive stock price appreciation and attract more investor interest.
- Branchless Structure Advantage: Axos Financial's branchless structure enhances its cost advantage, enabling it to offer higher deposit rates, thereby attracting more customers and improving profitability, further solidifying its competitive position in the digital banking sector.
- Financial Performance Exceeds Expectations: Axos Financial reported earnings per share of $2.25 for Q2 FY2026, surpassing the expected $2.07, with revenues of $385.1 million compared to the anticipated $347.25 million, demonstrating the effectiveness of its unique business model and strong market demand.
- Tech-Driven Financial Services: As a technology-driven financial services holding company, Axos Financial offers high-yield checking/savings accounts, commercial banking, and automated investing, fully leveraging its digital-first, branchless banking model to meet the needs of individuals and businesses nationwide.
See More
Axos Financial to Host Q3 FY2026 Earnings Call
- Earnings Call Announcement: Axos Financial will host a conference call on April 30, 2026, at 5 PM ET to discuss its Q3 FY2026 financial results, with earnings expected to be released shortly before the call, enhancing investor transparency.
- Asset Overview: As of December 31, 2025, Axos Financial reported approximately $28.2 billion in consolidated assets, indicating a solid foundation in the financial services sector that supports its future growth strategy.
- Clearing Services Capacity: Axos Clearing LLC managed approximately $44.4 billion in assets as of December 31, 2025, providing comprehensive securities clearing services that strengthen its market position among introducing broker-dealers and registered investment advisors.
- Investor Relations Access: Interested parties can access the conference call via Axos Financial's website or by dialing 877-407-8293, ensuring broad dissemination of information and high investor engagement.
See More
Verdant Secures $1.07B Funding, Acquired by Axos Bank
- Funding Achievement: Verdant Commercial Capital achieved $1.07 billion in funding volume in 2025, marking a 40% year-over-year growth and the first time surpassing $1 billion in annual originations, indicating strong growth potential in the equipment finance sector.
- Portfolio Expansion: The company's managed portfolio grew by 41% to $1.7 billion, reflecting Verdant's successful financing of essential business equipment through partnerships with top-tier vendors and OEMs, further solidifying its market position.
- Acquisition Integration: Verdant was acquired by Axos Bank at the end of 2025, combining its equipment financing expertise with Axos' digital banking model, enhancing funding capacity and broadening access to commercial banking services, which is expected to accelerate future growth.
- Strategic Development: Since its founding in 2017, Verdant has originated over $4 billion in total financing, demonstrating its ability to scale effectively while maintaining its founding values, and will continue to attract top industry talent to drive business growth.
See More
PMC FIG Opportunities Sells Shares of Axos Financial
- Share Reduction Details: On February 17, 2026, PMC FIG Opportunities sold 33,048 shares of Axos Financial, with an estimated transaction value of $2.72 million, reducing its stake from 5.1% to 0.89% of total assets under management.
- Stock Performance: As of Monday, Axos Financial shares were priced at $89.47, reflecting a 34% increase over the past year, significantly outperforming the S&P 500's 16% rise during the same period, indicating enhanced market competitiveness.
- Financial Metrics: Axos Financial reported a net income of $128.4 million for the December quarter, with net interest income rising 18.4% year-over-year to $331.7 million, showcasing robust growth in loans and deposits.
- Investor Outlook: The share reduction suggests a cautious approach to risk management by PMC FIG Opportunities, while the fundamental strength of Axos Financial remains intact, making it a potential focus for long-term investors looking for growth opportunities.
See More
PMC FIG Opportunities Sells Shares of Axos Financial
- Transaction Overview: PMC FIG Opportunities sold 33,048 shares of Axos Financial in Q4 2026, with an estimated transaction value of $2.72 million, reflecting the fund's risk management strategy regarding this stock.
- Position Value Decline: The quarter-end value of Axos Financial's position decreased by $2.79 million, indicating the dual impact of stock price fluctuations and the share sale, resulting in its allocation dropping to 0.89% of the fund's AUM.
- Financial Performance Insight: Despite the reduction, Axos Financial reported net income of $128.4 million for the December quarter, a 22.6% increase year-over-year, demonstrating its continued strength in loan and deposit growth.
- Market Competitiveness: Axos Financial maintains competitiveness in the evolving financial services sector through its digital platform and efficient operations, even though it did not make the Motley Fool's list of top recommended stocks.
See More
Verdant Commercial Capital Receives Moody's Rating Upgrade
- Rating Upgrade: Moody's upgraded five classes of notes in Verdant Receivables 2023-1 and 2024-1, reflecting strong collateral performance and ongoing credit enhancement, indicating stability in the company's equipment finance platform.
- Specific Upgrades: In the 2023-1 transaction, Class B was upgraded to Aaa (sf), Class C to Aa1 (sf), and Class D to A3 (sf); in the 2024-1 transaction, Class B was upgraded to Aa1 (sf) and Class C to Aa3 (sf), showcasing a robust foundation for the company's asset-backed securities.
- Credit Enhancement Drivers: Moody's cited sequential pay structures, non-declining reserve accounts, and increased overcollateralization as key factors for the upgrades, with cumulative net loss expectations for both transactions reduced to 1.50%, further boosting investor confidence.
- Management Commentary: Verdant's CEO Mike Rooney stated that these upgrades underscore the strength and consistency of the vendor platform, emphasizing the company's ability to deliver high-quality assets in the equipment financing market and its commitment to long-term success.
See More
Axos Financial Rated as Undervalued Growth Stock
- Buy Rating Reaffirmed: On March 9, DA Davidson reiterated a Buy rating on Axos Financial (NYSE:AX) with a $112 price target, reflecting strong confidence in its prospects as an internet bank, which is expected to drive stock price appreciation and attract more investor interest.
- Branchless Structure Advantage: Axos Financial's branchless structure enhances its cost advantage, enabling it to offer higher deposit rates, thereby attracting more customers and improving profitability, further solidifying its competitive position in the digital banking sector.
- Financial Performance Exceeds Expectations: Axos Financial reported earnings per share of $2.25 for Q2 FY2026, surpassing the expected $2.07, with revenues of $385.1 million compared to the anticipated $347.25 million, demonstrating the effectiveness of its unique business model and strong market demand.
- Tech-Driven Financial Services: As a technology-driven financial services holding company, Axos Financial offers high-yield checking/savings accounts, commercial banking, and automated investing, fully leveraging its digital-first, branchless banking model to meet the needs of individuals and businesses nationwide.
See More
Axos Financial to Host Q3 FY2026 Earnings Call
- Earnings Call Announcement: Axos Financial will host a conference call on April 30, 2026, at 5 PM ET to discuss its Q3 FY2026 financial results, with earnings expected to be released shortly before the call, enhancing investor transparency.
- Asset Overview: As of December 31, 2025, Axos Financial reported approximately $28.2 billion in consolidated assets, indicating a solid foundation in the financial services sector that supports its future growth strategy.
- Clearing Services Capacity: Axos Clearing LLC managed approximately $44.4 billion in assets as of December 31, 2025, providing comprehensive securities clearing services that strengthen its market position among introducing broker-dealers and registered investment advisors.
- Investor Relations Access: Interested parties can access the conference call via Axos Financial's website or by dialing 877-407-8293, ensuring broad dissemination of information and high investor engagement.
See More
Verdant Secures $1.07B Funding, Acquired by Axos Bank
- Funding Achievement: Verdant Commercial Capital achieved $1.07 billion in funding volume in 2025, marking a 40% year-over-year growth and the first time surpassing $1 billion in annual originations, indicating strong growth potential in the equipment finance sector.
- Portfolio Expansion: The company's managed portfolio grew by 41% to $1.7 billion, reflecting Verdant's successful financing of essential business equipment through partnerships with top-tier vendors and OEMs, further solidifying its market position.
- Acquisition Integration: Verdant was acquired by Axos Bank at the end of 2025, combining its equipment financing expertise with Axos' digital banking model, enhancing funding capacity and broadening access to commercial banking services, which is expected to accelerate future growth.
- Strategic Development: Since its founding in 2017, Verdant has originated over $4 billion in total financing, demonstrating its ability to scale effectively while maintaining its founding values, and will continue to attract top industry talent to drive business growth.
See More
PMC FIG Opportunities Sells Shares of Axos Financial
- Share Reduction Details: On February 17, 2026, PMC FIG Opportunities sold 33,048 shares of Axos Financial, with an estimated transaction value of $2.72 million, reducing its stake from 5.1% to 0.89% of total assets under management.
- Stock Performance: As of Monday, Axos Financial shares were priced at $89.47, reflecting a 34% increase over the past year, significantly outperforming the S&P 500's 16% rise during the same period, indicating enhanced market competitiveness.
- Financial Metrics: Axos Financial reported a net income of $128.4 million for the December quarter, with net interest income rising 18.4% year-over-year to $331.7 million, showcasing robust growth in loans and deposits.
- Investor Outlook: The share reduction suggests a cautious approach to risk management by PMC FIG Opportunities, while the fundamental strength of Axos Financial remains intact, making it a potential focus for long-term investors looking for growth opportunities.
See More
PMC FIG Opportunities Sells Shares of Axos Financial
- Transaction Overview: PMC FIG Opportunities sold 33,048 shares of Axos Financial in Q4 2026, with an estimated transaction value of $2.72 million, reflecting the fund's risk management strategy regarding this stock.
- Position Value Decline: The quarter-end value of Axos Financial's position decreased by $2.79 million, indicating the dual impact of stock price fluctuations and the share sale, resulting in its allocation dropping to 0.89% of the fund's AUM.
- Financial Performance Insight: Despite the reduction, Axos Financial reported net income of $128.4 million for the December quarter, a 22.6% increase year-over-year, demonstrating its continued strength in loan and deposit growth.
- Market Competitiveness: Axos Financial maintains competitiveness in the evolving financial services sector through its digital platform and efficient operations, even though it did not make the Motley Fool's list of top recommended stocks.
See More
