Axos Financial, Inc. cash flow to debt ratio of 70.89% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Axos Financial, Inc.'s free cash flow has increased 61.82% from $269.52M last year to $436.12M, signaling increasing performance

Axos Financial, Inc.'s debt to equity ratio is 0.22, which means that the company's assets are healthy financed, signaling financial stability.

Axos Financial, Inc.'s debt has increased relative to shareholder equity from 0.14 last year to 0.22 today, signaling weakened financials

Axos Financial, Inc. has a net debt to EBITDA ratio of 0.82x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Axos Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Axos Financial, Inc.'s profit margin has decreased (0.23%) in the last year from 22.44% to 22.39%, signaling decreasing performance

Axos Financial, Inc.'s short-term liabilities of $194.73M exceed its short-term assets of $163.46M, signaling financial risk

Axos Financial, Inc.'s return on assets of 92.52M% is higher than the 5.00% threshold, indicating efficient asset utilization

Axos Financial, Inc.'s return on equity of 16.41%, is higher than 15.00%, indicating good performance

Axos Financial, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Axos Financial, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Axos Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Axos Financial, Inc. has a free cash flow yield of 7.73%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Axos Financial, Inc.'s yearly earnings has increased 13.27% since last year from $432.91M to $490.37M, signaling increasing performance

Axos Financial, Inc.'s yearly revenue has decreased 100.00% since last year from $1.93B to $0.00, signaling decreasing performance

ROIC 1.66% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Axos Financial, Inc.'s 3-year revenue CAGR of 20.11% is positive, indicating growing revenue over the past 3 years

Axos Financial, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Axos Financial, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Axos Financial, Inc. is undervalued relative to its fair value price of 163.69 based on Discounted Cash Flow model

Axos Financial, Inc. has an earnings yield of 8.72%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Axos Financial, Inc. is undervalued relative to its fair value price of 106.89 based on EBITDA multiple model

Axos Financial, Inc. has an EV/EBITDA ratio of 9.54x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Axos Financial, Inc. is undervalued relative to its fair value price of 224.41 based on Earnings Fair Value model

Axos Financial, Inc. has a PEG-ratio under 1 which is considered undervalued

Axos Financial, Inc. has negative shareholder equity; price-to-book is not meaningful and the check fails

Axos Financial, Inc. has a price-to-sales ratio of 2.57x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue