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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Axos FinancialAX -1.86%74 3-Year Book Growth Rate is 20.00% as of Mar. 2026, which is 8% above its 10-year median of 18.55. GuruFocus rates AX with a GF Score™ of 74/100 and a GF Value™ of $88.01 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,497 Banks companies, Axos Financial ranks better than 88.91% on this metric.
During the past 12 months, Axos Financial's average Book Value per Share Growth Rate was 17.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 20.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 18.50% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 17.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Axos Financial was 47.10% per year. The lowest was 6.20% per year. And the median was 18.55% per year.
Axos Financial (NYSE:AX) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Axos Financial 3-Year Book Growth Rate Related Terms
AX vs OZK, EBC, FINN: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Axos Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Axos Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Axos Financial's 3-Year Book Growth Rate falls into.
Axos Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 20.00% mean?
Axos Financial (AX) has a 3-Year Book Growth Rate of 20.00% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Axos Financial and its competitors. This is near median its historical median of 18.55. Over the past decade, Axos Financial's 3-Year Book Growth Rate has ranged from 6.20 to 47.10. According to the industry distribution chart, Axos Financial ranks #166 out of 1497 companies in the Banks industry, placing it in the top 11.1%.
Is Axos Financial's 3-Year Book Growth Rate too high?
Axos Financial's current 3-Year Book Growth Rate of 20.00% is near median its 10-year median of 18.55. Over the past 10 years, this metric has ranged from a low of 6.20 to a high of 47.10. The Banks industry median 3-Year Book Growth Rate is 8.70. Axos Financial's value of 20.00% is 129.9% above this industry median. Based on the distribution chart, Axos Financial ranks #166 out of 1497 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Axos Financial has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Axos Financial's 3-Year Book Growth Rate compare to OZK and EBC?
According to the Banks industry distribution chart, Axos Financial ranks #166 out of 1497 companies for 3-Year Book Growth Rate. This places Axos Financial in the top 11% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.70. Axos Financial's value of 20.00% is 129.9% above this benchmark. Historically, Axos Financial's own 3-Year Book Growth Rate has ranged from 6.20 to 47.10 over the past decade. While the company's 10-year median is 18.55 vs. the industry median of 8.70, Axos Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Axos Financial's current 3-Year Book Growth Rate of 20.00% is 129.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Axos Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current 3-Year Book Growth Rate is 20.00%, which is near median its own 10-year median of 18.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Axos Financial stock overvalued right now?
Based on GuruFocus' analysis, Axos Financial (AX) is currently considered Modestly Overvalued. The stock's GF Value™ is $88.01, compared to a current price of $101.88 — trading 15.8% above its estimated fair value. The current 3-Year Book Growth Rate is 20.00%, which is near median its 10-year median of 18.55 and 129.9% above the Banks industry median of 8.70. Axos Financial's overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Axos Financial (AX), the current 3-Year Book Growth Rate is 20.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Axos Financial (AX) Overvalued in 2026?
Based on GuruFocus' analysis, Axos Financial stock appears to be overvalued.
The current stock price of $101.88 is trading 15.8% above its estimated GF Value™ of $88.01.
GuruFocus considers Axos Financial to be Modestly Overvalued.
Key valuation signals for AX:
3-Year Book Growth Rate: 20.00% (near median its 10-year median of 18.55)
GF Value™: $88.01 vs. price of $101.88 (15.8% above fair value)
Industry Position: 129.9% above the Banks median (#166 of 1497)
No single metric tells the full story. See the AX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 business segment and securities business segment. 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.
74GF Score
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