AX

Based on Axos Financial, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Axos Financial do?

Axos Financial is a digital bank that provides consumer and business banking products — including deposits, mortgages, and commercial loans — alongside a securities segment offering clearing, custody, and back-office services to brokerage clients. It operates without physical branches, serving customers through online and mobile platforms across the United States.

Does AX pay dividends?

Axos Financial does not currently pay a dividend. The company prioritizes reinvesting capital into loan growth and technology rather than distributing cash. Investors focused on income may prefer dividend-paying regional bank peers.

When does AX report earnings?

Axos Financial follows a standard quarterly earnings cadence for US-listed banks. For the exact schedule and most recent results, check the investor relations section of the company's official website.

Is AX a good stock to buy?

UQS Score rates AX as Good overall. The Quality pillar is Strong and Valuation is Attractive, but the Moat and Risk pillars are both Weak. Whether that profile fits your portfolio depends on your risk tolerance and investment horizon. The full pillar breakdown is available to UQS Pro members.

Is AX overvalued?

The UQS Valuation pillar for AX is rated Attractive, suggesting the stock may be trading at a discount relative to what the business currently produces. That said, valuation alone does not tell the full story — the Weak Risk and Moat ratings are important context.

How does AX compare to its competitors?

Compared to peers like Atlantic Union Bankshares and Hancock Whitney, Axos stands out for its branchless, digital-first model. This keeps overhead lower but also means it lacks the deep local deposit relationships that traditional community banks rely on. The UQS platform provides side-by-side scoring for direct comparison.

What is AX's market cap bracket?

Axos Financial is classified as a mid-cap company. This places it above smaller community banks but well below the mega-cap money-center banks, reflecting its scale as a growing digital banking platform.

Who founded Axos Financial?

Axos Financial was originally founded in 2005 under the name BofI Holding, Inc., operating as an online bank. The company rebranded to Axos Financial in September 2018. Founding details are widely available through public company filings and financial history sources.

Is AX a long-term quality investment?

From a long-term quality perspective, the Strong Quality pillar is a positive signal — it suggests the bank has been generating returns above many regional peers. However, the Weak Moat rating raises questions about competitive durability over time. Long-term investors should weigh both pillars carefully alongside the full UQS analysis.

What is the main competitive advantage of Axos Financial?

Axos's primary structural advantage is its digital-only operating model, which reduces the overhead associated with maintaining physical branches. This allows it to offer competitive deposit rates and invest in technology. However, the UQS Moat pillar rates this advantage as Weak, suggesting it may not be deeply defensible against larger banks and fintech challengers.

What sector does AX belong to?

Axos Financial operates in the Financial Services sector, specifically within regional and digital banking. Its securities segment also gives it exposure to the brokerage services industry, making it a hybrid financial platform rather than a pure-play community bank.

Axos Financial, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Axos Financial, Inc. shows steady but unspectacular growth, typical for mature companies.

Axos Financial, Inc. presents elevated risk with concerns around leverage or financial stability.

Axos Financial, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Axos Financial, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for AX.

The UQS (Unified Quality Score) for Axos Financial, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Axos Financial, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Axos Financial, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.