Axos Financial Inc is a bank holding company that operates through its bank subsidiary, BofI Federal Bank, a nationwide bank that provides financing for single and multifamily residential properties, small to medium-size businesses in certain sectors, and selected specialty finance receivables. Its operating segments are banking and securities business. The bank distributed its products through a wide range of retail distribution channels, including only banking brands, affinity groups, and sales teams, among others. The majority of the bank's mortgage exposure is titled toward the state of California, particularly its southern region. Net interest income is a majority of the bank's revenue.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	3.64
Equity-to-Asset	0.1
Debt-to-Equity	0.21
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.28	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	16.4
	3-Year EPS without NRI Growth Rate	20.2
	3-Year FCF Growth Rate	-16.2
	3-Year Book Growth Rate	16.5
	Future 3-5Y Total Revenue Growth Rate	11.63

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	82.85
	9-Day RSI	67.96
	14-Day RSI	60.08
	6-1 Month Momentum %	42.33
	12-1 Month Momentum %	38.74

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	0.4
	Shareholder Yield %	4.62

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	38.28
	FCF Margin %	11.89
	ROE %	20.91
	ROA %	1.98
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.79
	Forward PE Ratio	7.09
	PE Ratio without NRI	7.79
	Shiller PE Ratio	15.28
	Price-to-Owner-Earnings	15.51
	PEG Ratio	0.48
	PS Ratio	2.99
	PB Ratio	1.45
	Price-to-Tangible-Book	1.58
	Price-to-Free-Cash-Flow	24.64
	Price-to-Operating-Cash-Flow	19.55
	EV-to-Revenue	1.78
	EV-to-Forward-Revenue	2.99
	EV-to-FCF	14.98
	Price-to-Projected-FCF	0.6
	Price-to-DCF (Earnings Based)	0.25
	Price-to-DCF (FCF Based)	0.79
	Price-to-Median-PS-Value	0.69
	Price-to-Peter-Lynch-Fair-Value	0.46
	Price-to-Graham-Number	0.74
	FCF Yield %	4.15
	Forward Rate of Return (Yacktman) %	24.56

GF Value: $65.81

Warning Signs

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