Analyzing Axos Financial (AX) & Its Rivals

Axos Financial (NYSE: AX) is one of 93 publicly-traded companies in the “Federal savings institutions” industry, but how does it weigh in compared to its peers? We will compare Axos Financial to similar companies based on the strength of its earnings, profitability, dividends, analyst recommendations, risk, institutional ownership and valuation.

Analyst Ratings

This is a summary of current ratings and recommmendations for Axos Financial and its peers, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Axos Financial 0 0 1 1 3.50
Axos Financial Competitors 386 1263 1155 80 2.32

Axos Financial currently has a consensus target price of $43.00, indicating a potential upside of 48.33%. As a group, “Federal savings institutions” companies have a potential upside of 23.21%. Given Axos Financial’s stronger consensus rating and higher possible upside, equities analysts clearly believe Axos Financial is more favorable than its peers.

Earnings & Valuation

This table compares Axos Financial and its peers top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Axos Financial $546.02 million $152.41 million 11.69
Axos Financial Competitors $900.02 million $169.19 million 18.19

Axos Financial’s peers have higher revenue and earnings than Axos Financial. Axos Financial is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Insider & Institutional Ownership

72.5% of Axos Financial shares are owned by institutional investors. Comparatively, 37.8% of shares of all “Federal savings institutions” companies are owned by institutional investors. 6.5% of Axos Financial shares are owned by company insiders. Comparatively, 9.4% of shares of all “Federal savings institutions” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares Axos Financial and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Axos Financial 27.57% 17.81% 1.74%
Axos Financial Competitors 14.43% 8.46% 0.84%

Risk & Volatility

Axos Financial has a beta of 0.52, indicating that its stock price is 48% less volatile than the S&P 500. Comparatively, Axos Financial’s peers have a beta of 0.45, indicating that their average stock price is 55% less volatile than the S&P 500.

Summary

Axos Financial beats its peers on 9 of the 13 factors compared.

About Axos Financial

Axos Financial, Inc. operates as the holding company for BofI Federal Bank that provides consumer and business banking products in the United States. The company offers deposits products, including consumer and business checking, demand, savings, and time deposit accounts. It also provides single family and multifamily mortgage secured lending products; commercial real estate secured and commercial lending products; specialty finance factoring products; prime loans to customers secured by new and used automobiles; and term unsecured personal loans to individual borrowers, as well as overdraft lines of credit. In addition, the company offers prepaid card and refund transfer, debit card or ATM card, portfolio management, online bill payment, money transfer, overdraft protection, online and mobile banking, and text message banking services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in San Diego, California.

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