Axos Financial, Inc. (AX)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$92.46-2.23%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · AX
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -32.0% |
| Our one-year growth estimate | diamond | -5.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 26.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
AX — earnings miss
Dated 2026-04-30
Results of Operations and Financial Condition On April 30, 2026 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal third quarter results of operations for the period ended March 31, 2026. The press release is furnished as Exhibit 99.1. The Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.2 and 99.3. Pursuant to General Instruction B.2. of Form 8-K, the information in this
Why it matters: The sector is still growing, but its growth trend is easing. A drop below the stated median would add pressure to the setting for bank growth.
Worry ifReported revenue growth in the financial sector goes below its median in the sector update.
Less concerning ifReported revenue growth in the financial sector stays at or above its median.
Why it matters: Axos reported $847.8 million more deposits this quarter. It said the increase included Capital One deposits. Keeping those deposits can support more lending.
Watch forA later filing shows deposits at or above $25.4 billion. It reports no large outflow tied to the acquired accounts.
Also watch forA later filing shows deposits below $25.4 billion or a large outflow from the acquired accounts.
Why it matters: Management said several large loans missed the September close. Closing them could speed loan growth.
Supportive ifDecember-quarter ending loans rise by more than $563 million, excluding net paydowns in the named loan groups.
Worry ifDecember-quarter ending loans rise by $563 million or less, or the large loans do not close.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$107 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $264 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,904 loss on $10,000 · 19.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.