AX Valuation

Axos Financial Inc

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86.950

-1.11(-1.261%)1D

Overview
Forecast
Valuation
Earnings

AX Relative Valuation

AX's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, AX is overvalued; if below, it's undervalued.

Historical Valuation

Axos Financial Inc (AX) is now in the Fair zone, suggesting that its current forward PE ratio of 11.14 is considered Fairly compared with the five-year average of 9.52. The fair price of Axos Financial Inc (AX) is between 66.60 to 96.68 according to relative valuation methord.

Relative Value

Fair Zone

66.60-96.68

Current Price：88.06

Fair

11.14

Trailing

Forward

0.00

EV/EBITDA

Axos Financial Inc. (AX) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Axos Financial Inc. (AX) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.77

Axos Financial Inc. (AX) has a current PS of 3.77. The 5-year average PS is 3.14. The thresholds are as follows: Strongly Undervalued below 1.67, Undervalued between 1.67 and 2.40, Fairly Valued between 3.87 and 2.40, Overvalued between 3.87 and 4.61, and Strongly Overvalued above 4.61. The current Forward PS of 3.77 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Axos Financial Inc. (AX) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Axos Financial Inc. (AX) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Axos Financial Inc (AX) has a current Price-to-Book (P/B) ratio of 1.86. Compared to its 3-year average P/B ratio of 1.46 , the current P/B ratio is approximately 27.26% higher. Relative to its 5-year average P/B ratio of 1.61, the current P/B ratio is about 15.00% higher. Axos Financial Inc (AX) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 11.09%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 9.56% , the current FCF yield is about -100.00% lower.

1.86

P/B

Median3y

1.46

Median5y

1.61

0.00

FCF Yield

Median3y

11.09

Median5y

9.56

Competitors Valuation Multiple

The average P/S ratio for AX's competitors is 3.86, providing a benchmark for relative valuation. Axos Financial Inc Corp (AX) exhibits a P/S ratio of 3.77, which is -2.26% above the industry average. Given its robust revenue growth of 17.23%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

First Financial Bankshares Inc

Valley National Bancorp

Texas Capital Bancshares Inc

2.92

15.63%

3.84B

Performance Decomposition

Market capitalization of AX increased by 26.83% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 9.91 to 11.85.

The secondary factor is the Revenue Growth, contributed 17.23%to the performance.

Overall, the performance of AX in the past 1 year is driven by P/E Change. Which is more unsustainable.

17.23%

274.21M → 321.45M

Revenue Growth

-9.99%

38.25 → 34.43

Margin Expansion

19.59%

9.91 → 11.85

P/E Change

26.83%