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Axos Financial, Inc (AX) Fair Value & Analysis

Financial Services · US · Market cap $5.0B

Price$94.35
Fair Value$98.93
Upside+4.9%
Quality95/100
Evidence: High Range $74.20 – $123.67

Fair value as of: Jun 25, 2026

Analysis

Axos Financial, Inc (AX) currently trades at $94.35, while our model-based Fair Value estimate is $98.93 — implying the stock looks roughly 4.9% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Axos Financial, Inc., together with its subsidiaries, operates as a consumer and business banking provider in the United States. The company operates through two segments, Banking Business and Securities Business. It offers deposits products, including consumer and business checking, savings, time deposit, and commercial and deposits. The company also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured, commercial and industrial non-real estate, and auto and consumer loans. In addition, it offers a range of investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, as well as margin loans and securities lending services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

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Frequently asked questions

Is Axos Financial, Inc (AX) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $98.93 versus a price of $94.35 — about +5% (undervalued). Model-based estimate, not financial advice.
What is the fair value of AX?
Our 21-model fair value for Axos Financial, Inc is $98.93 (as of Jun 25, 2026), built from audited fundamentals. The current price is $94.35.
What is the quality score of AX?
Axos Financial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.