AX (Axos Financial) Unearned Income: $-153 Mil (As of Jun. 2026)

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AX Axos Financial Inc AX
74 GF Score
Price $97.85
GF Value $92.50
Valuation Fairly Valued
! 4 Warning Signs
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What is Axos Financial Unearned Income?

Axos Financial AX +0.50% 74 Unearned Income is $-153 Mil as of Jun. 2026. GuruFocus rates AX with a GF Score™ of 74/100 and a GF Value™ of $92.50 (Fairly Valued). The stock has 4 warning signs investors should review.

Axos Financial's Unearned Income for the quarter that ended in Jun. 2026 was $-153 Mil.

Axos Financial's quarterly Unearned Income increased from Dec. 2025 ($-176 Mil) to Mar. 2026 ($-166 Mil) and increased from Mar. 2026 ($-166 Mil) to Jun. 2026 ($-153 Mil).

Axos Financial's annual Unearned Income increased from Jun. 2024 ($-311 Mil) to Jun. 2025 ($-212 Mil) and increased from Jun. 2025 ($-212 Mil) to Jun. 2026 ($-153 Mil).

Axos Financial Unearned Income Related Terms

Axos Financial Unearned Income Historical Data

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The historical data trend for Axos Financial's Unearned Income can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Axos Financial Unearned Income Chart

Axos Financial Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Unearned Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only -14.00 -28.62 -310.88 -212.04 -153.26

Axos Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Unearned Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -212.04 -199.68 -176.01 -166.31 -153.26
AX
74GF Score
Axos Financial Inc AX
Unearned Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Axos Financial Unearned Income Calculation

Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan.

Frequently Asked Questions Learn more about Unearned Income →
What does a Unearned Income of $-153 Mil mean?
Axos Financial (AX) has a Unearned Income of $-153 Mil as of Jun. 2026. Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan. View historical data on Axos Financial and its competitors.
Is Axos Financial's Unearned Income too high?
Axos Financial's current Unearned Income is $-153 Mil. Overall, Axos Financial has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Axos Financial's Unearned Income compare to FLG and OZK?
Axos Financial's Unearned Income of $-153 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Unearned Income for a Banks company?
A good Unearned Income depends on the Banks industry context. However, Unearned Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Unearned Income mean?
A high Unearned Income can signal that a stock is expensive relative to its fundamentals. Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan. View historical data on Axos Financial and its competitors. Axos Financial's current Unearned Income is $-153 Mil. 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 Fairly Valued. The stock's GF Value™ is $92.50, compared to a current price of $97.85 — trading 5.8% above its estimated fair value. The current Unearned Income is $-153 Mil. Axos Financial's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Unearned Income calculated?
Unearned Income is calculated from a company's financial statements. For Axos Financial (AX), the current Unearned Income is $-153 Mil as of Jun. 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 $97.85 is trading 5.8% above its estimated GF Value™ of $92.50. GuruFocus considers Axos Financial to be Fairly Valued.

Key valuation signals for AX:

  • Unearned Income: $-153 Mil
  • GF Value™: $92.50 vs. price of $97.85 (5.8% above fair value)
  • GF Score™: 74/100 with 4 warning signs

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 Business Description

Other Exchanges BB4:Germany
Address 9205 West Russell Road, Suite 400, Las Vegas, NV, USA, 89148
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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Unearned Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$97.85
Price
$92.50
GF Value