Axos Financial, Inc. cash flow to debt ratio of 51.94% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Axos Financial, Inc.'s free cash flow has decreased 33.24% from $436.12M last year to $291.15M, signaling decreasing performance

Axos Financial, Inc.'s debt to equity ratio is 0.34, 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 0.34 today, signaling weakened financials

Axos Financial, Inc. has a net cash position, so leverage is healthy.

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

Axos Financial, Inc.'s profit margin was 22.44% last year and is 22.39% this year, signaling decreasing performance

Axos Financial, Inc.'s short-term liabilities of $25.03B exceed its short-term assets of $1.84B, signaling financial risk

Axos Financial, Inc.'s return on assets of 1.64% is lower than the 5.00% threshold, indicating inefficient 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 exceeds its net income, indicating high-quality earnings backed by actual 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 5.78%, 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 9.75% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. 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 overvalued relative to its fair value price of 46.37 based on Base Cash Flow Valuation (DCF) model

Axos Financial, Inc. has an earnings yield of 9.77%, 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 89.56 based on Base EBITDA Valuation model

Axos Financial, Inc. has an EV/EBITDA ratio of 6.80x, 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 Base Earnings Fair Value model

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

Axos Financial, Inc. has a price-to-book ratio of 1.59x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Axos Financial, Inc. has a price-to-sales ratio of 2.29x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue