tradmap

AX Financials Axos Financial, Inc.

15 years of revenue, profit, cash flow and balance-sheet history through FY2026, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 21.0% per year over the past 5 years.
  • Net income has grown slower than revenue (17.9% vs 21.0% per year).
  • Free cash flow has declined 6.3% per year over the past 5 years.

Financial health

  • The company holds more cash ($1.1B) than total debt ($343M).
  • Total debt has grown slower than revenue (9.1% vs 21.0% per year).
Revenue & net income
$0 $245M $490M 2012 2014 2016 2018 2020 2022 2024 2026
RevenueNet income
Margins (gross / operating / net)
0% 863% 1725% 2012 2014 2016 2018 2020 2022 2024 2026
GrossOperatingNet
Return on equity & assets (ROE / ROA)
0% 10% 20% 2012 2014 2016 2018 2020 2022 2024 2026
ROEROA
Free cash flow (CFO − capex)
-$59M $189M $436M $0 2012 2014 2016 2018 2020 2022 2024 2026
Free cash flow
Cash vs total debt
$0 $1B $2B 2012 2014 2016 2018 2020 2022 2024 2026
CashTotal debt
Cash flow: operating / investing / financing
-$5B -$713M $4B $0 2012 2014 2016 2018 2020 2022 2024 2026
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2026 $81M $490M 0.0% 0.0% 15.5% 1.6% $291M $343M $1.1B
2025 $66M $433M 0.0% 0.0% 16.1% 1.7% $436M $313M $1.9B
2024 $65M $450M 0.0% 0.0% 19.6% 2.0% $270M $326M $2.0B
2023 $65M $307M 0.0% 0.0% 16.0% 1.5% $166M $362M $2.2B
2022 $59M $241M 0.0% 0.0% 14.7% 1.4% $195M $445M $1.6B
2021 $31M $216M 0.0% 0.0% 15.4% 1.5% $402M $221M $1.0B
2020 $27M $183M 0.0% 0.0% 14.9% 1.3% $272M $236M
2019 $28M $155M 0.0% 0.0% 14.5% 1.4% $184M $169M
2018 $9M $152M 0.0% 0.0% 15.9% 1.6% $156M $55M $623M
2017 $135M 16.2% 1.6% $190M $644M
2016 $119M 17.5% 1.6% $157M $487M
2015 $83M 15.5% 1.4% $111M $223M
2014 $56M 15.1% 1.3% $18M $156M
2013 $40M 15.0% 1.3% $12M $202M
2012 $29M 14.3% 1.2% -$59M $35M

Valuation over time

How the market has priced AX against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 6.5 13.0 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Price / sales (P/S)
0.0 42.7 85.5 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/S

Frequently asked questions

Is AX growing its revenue and profit?

Over the past 5 years, Axos Financial, Inc.'s revenue has grown 21.0% per year, and net income grown 17.9% per year. These are computed facts, not advice.

How much debt does AX have?

As of FY2026, Axos Financial, Inc. reported $343M of total debt against $1.1B of cash.

What is AX's profit margin?

In FY2026, gross margin was —, operating margin —, and net margin 603.5%.

What is AX's P/E ratio?

As of Sep '26, Axos Financial, Inc. traded at a price-to-earnings ratio of about 11.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.