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Upturn AI SWOT - About
AX 
Axos Financial Inc (AX)
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Upturn Advisory Summary
04/01/2025: AX (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 2.35% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.41B USD | Price to earnings Ratio 8.08 | 1Y Target Price 83.57 |
Price to earnings Ratio 8.08 | 1Y Target Price 83.57 | ||
Volume (30-day avg) 427983 | Beta 1.34 | 52 Weeks Range 44.10 - 88.46 | Updated Date 04/4/2025 |
52 Weeks Range 44.10 - 88.46 | Updated Date 04/4/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.79% | Operating Margin (TTM) 53.21% |
Management Effectiveness
Return on Assets (TTM) 1.91% | Return on Equity (TTM) 18.81% |
Valuation
Trailing PE 8.08 | Forward PE 9.55 | Enterprise Value 1597718912 | Price to Sales(TTM) 2.9 |
Enterprise Value 1597718912 | Price to Sales(TTM) 2.9 | ||
Enterprise Value to Revenue 3.11 | Enterprise Value to EBITDA - | Shares Outstanding 57098500 | Shares Floating 51660988 |
Shares Outstanding 57098500 | Shares Floating 51660988 | ||
Percent Insiders 8.61 | Percent Institutions 85.14 |
Analyst Ratings
Rating 4 | Target Price 83.71 | Buy 3 | Strong Buy 2 |
Buy 3 | Strong Buy 2 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Axos Financial Inc
Company Overview
History and Background
Axos Financial Inc., formerly known as BofI Holding, Inc., was founded in 1999 as Bank of Internet USA. It was an early adopter of online banking and has grown through organic expansion and acquisitions. Key milestones include rebranding to Axos Financial in 2018 and consistent growth in assets and deposits.
Core Business Areas
- Banking: Provides a range of banking products and services, including checking accounts, savings accounts, money market accounts, and certificates of deposit to consumers and businesses.
- Lending: Offers residential and commercial real estate loans, auto loans, and unsecured consumer loans.
- Securities: Provides securities brokerage services through Axos Invest, offering managed portfolios and self-directed trading accounts.
- Commercial Specialty Lending: Offers a diverse portfolio of niche financial products across multiple business lines, including asset-based lending.
Leadership and Structure
Greg Garrabrants serves as the President and CEO. The company operates with a traditional corporate structure, including a board of directors and various executive management teams overseeing different business segments.
Top Products and Market Share
Key Offerings
- Checking Accounts: Offers a variety of checking accounts with features like high-interest rates and no monthly fees. While precise market share data is not readily available, Axos competes with online banks like Ally Bank and Capital One 360. Competitors: Ally Bank, Capital One 360, Discover Bank.
- Mortgages: Provides residential mortgage loans. No specific market share is available, but competes with traditional banks and mortgage lenders. Competitors: Rocket Mortgage, Bank of America, Wells Fargo.
- Commercial Loans: Offers commercial real estate and other business loans. This segment serves small- to medium-sized businesses. Competitors: JP Morgan Chase, Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing digital transformation, rising interest rates, and evolving regulatory landscape. Fintech companies are disrupting traditional banking models.
Positioning
Axos Financial is positioned as a digital bank offering competitive rates and a user-friendly experience. Its competitive advantage lies in its lower overhead costs compared to traditional brick-and-mortar banks.
Total Addressable Market (TAM)
The U.S. banking market has a TAM in the trillions of dollars. Axos Financial is positioned to capture a portion of this market through its digital platform and specialized lending services.
Upturn SWOT Analysis
Strengths
- Efficient online platform
- Competitive interest rates
- Strong asset quality
- Diversified business model
Weaknesses
- Smaller brand recognition compared to larger banks
- Reliance on interest rate environment
- Limited physical presence
- Vulnerable to cyber attacks
Opportunities
- Expansion into new markets
- Increased adoption of online banking
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Increased competition from other online banks
- Changes in interest rate environment
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- ALLY
- CASH
- SOFI
Competitive Landscape
Axos Financial competes with both traditional banks and other online banks. Its competitive advantages include its efficient online platform, competitive rates, and diversified business model.
Major Acquisitions
Etrade Advisor Services
- Year: 2021
- Acquisition Price (USD millions): 55
- Strategic Rationale: Expanded its wealth management services and reach.
Growth Trajectory and Initiatives
Historical Growth: Axos Financial has demonstrated consistent growth in assets, deposits, and earnings over the past several years, driven by its online platform and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings for Axos Financial, driven by its focus on digital banking and expansion into new markets.
Recent Initiatives: Recent initiatives include expanding its product offerings, investing in technology, and pursuing strategic acquisitions to enhance its market position.
Summary
Axos Financial is a relatively strong digital bank with a growing asset base and diversified revenue streams. Its online platform provides a cost advantage, but it faces competition from larger, more established banks. The company needs to focus on building brand recognition and managing interest rate risk. Continued growth depends on successful execution of strategic initiatives and maintaining strong asset quality.
Similar Companies
ALLY
Ally Financial Inc
ALLY
Ally Financial Inc
CASH
Meta Financial Group Inc
CASH
Meta Financial Group Inc
LC
LendingClub Corp
LC
LendingClub Corp
SOFI
SoFi Technologies Inc.
SOFI
SoFi Technologies Inc.
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Financial News Outlets
- Company Investor Relations Website
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may not be precise. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Axos Financial Inc
Exchange NYSE | Headquaters Las Vegas, NV, United States | ||
IPO Launch date 2005-03-15 | President, CEO & Director Mr. Gregory Garrabrants C.F.A., J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1781 | |
Full time employees 1781 | |||
Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business. It offers deposits products, including consumer and business checking, savings, time deposit, and commercial and deposits. The company also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured, commercial and industrial non-real estate, and auto and consumer loans. In addition, it offers various investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, as well as margin loans and securities lending 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 Las Vegas, Nevada.
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