Axos Financial, Inc. (AX)

From the record

Axos Financial, Inc.'s filings since 2017 show 3 warning events of 3 kinds: a debt default or acceleration notice (8-K item 2.04, the latest 2021-02-24); a notice about its exchange listing (8-K item 3.01, the latest 2018-09-12); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2022-08-30) (its current reports).

From the record

Axos Financial, Inc.'s 10 filed years say what it did: revenue went from $387 million in fiscal 2017 to $2.0 billion in fiscal 2026, up 19.7% a year; it rose in 8 of 9 years; the deepest fall was 1% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2026-06-30, Axos Financial, Inc.'s diluted share count shrank about 1.7% a year, and dividends and buybacks returned about 13% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 14 sales and 0 purchases of their own stock on the open market in the year to 2026-11-10 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2026-06-30, Axos Financial, Inc. earned about 15 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 0.4% over the year (the filed statements).

From the record

Axos Financial, Inc.'s standing among 31 graded names in its industry family: revenue of $2.0 billion in fiscal 2026 ranks in the top 2% by size; a net margin of 25.1% ranks in the top 21%; revenue growth of 19.1% a year over the last 3 filed years ranks in the top 34% (its annual reports).

From the record

Axos Financial, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Garrabrants, Gregory (President and CEO, as filed), filing under that title since 2011-07-05, 15.4 years (top 16% of its family); the 21 officers and directors filing in the last fifteen months have been on the record a median of 7.3 years (bottom 40%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 21 people in charge now (top 6%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Axos Financial, Inc.'s room to grow, from the newest filed statements (fiscal 2026): cash of $1.1 billion against debt of $343 million leaves 2.6% of its assets as net cash, bottom 41% of its family; cash from operations less capital spending is 14.9% of revenue (bottom 38%) (its annual report).

From the record

Axos Financial, Inc.'s growth drivers, from the filed years to fiscal 2026: revenue grew 19.1% a year over the last three filed years against 19.7% over all 10, slowing (bottom 22% of its family); the newest year grew 7.8% (top 32%); capital spending grew 106.6% a year (top 2%) (its annual reports). Axos Financial, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Axos Financial, Inc.'s newest year against its own record: revenue of $2.0 billion in fiscal 2026 came in 13.9% below the $2.3 billion its prior three years' pace pointed to (top 50% of its family); net income of $490 million against a prior three-year average of $397 million (top 50%); a net margin of 25.1% against 25.9% before (top 50%) (its annual reports).