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Axos FinancialAX -1.09%74 Cash-to-Debt is 0.42 as of Mar. 2026, which is 78% below its 10-year median of 1.87. 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 1,484 Banks companies, Axos Financial ranks worse than 57.55% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Axos Financial's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.42.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Axos Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Axos Financial's Cash-to-Debt or its related term are showing as below:
AX'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.2 Med: 1.87 Max: 6.37
Current: 1.03
During the past 13 years, Axos Financial's highest Cash to Debt Ratio was 6.37. The lowest was 0.20. And the median was 1.87.
AX's Cash-to-Debt is ranked worse than 57.55% of 1484
companies
in the Banks industry
Industry Median: 1.37
vs AX: 1.03
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Axos Financial Cash-to-Debt Related Terms
Axos Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Axos Financial's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Axos Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Axos Financial's Cash-to-Debt falls into.
* 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 (AX) has a Cash-to-Debt of 0.42 as of Mar. 2026. This is 78% below median its historical median of 1.87. Over the past decade, Axos Financial's Cash-to-Debt has ranged from 0.20 to 6.37. According to the industry distribution chart, Axos Financial ranks #854 out of 1484 companies in the Banks industry, placing it in the top 57.5%.
Is Axos Financial's Cash-to-Debt too high?
Axos Financial's current Cash-to-Debt of 0.42 is 78% below median its 10-year median of 1.87. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 6.37. The Banks industry median Cash-to-Debt is 1.37. Axos Financial's value of 0.42 is 69.3% below this industry median. Based on the distribution chart, Axos Financial ranks #854 out of 1484 companies in the Banks industry, which is below the industry midpoint. 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 Cash-to-Debt compare to OZK and EBC?
According to the Banks industry distribution chart, Axos Financial ranks #854 out of 1484 companies for Cash-to-Debt. This places Axos Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Axos Financial's value of 0.42 is 69.3% below this benchmark. Historically, Axos Financial's own Cash-to-Debt has ranged from 0.20 to 6.37 over the past decade. While the company's 10-year median is 1.87 vs. the industry median of 1.37, Axos Financial has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,484 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Axos Financial's current Cash-to-Debt of 0.42 is 69.3% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current Cash-to-Debt is 0.42, which is 78% below median its own 10-year median of 1.87. 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 $100.77 — trading 14.5% above its estimated fair value. The current Cash-to-Debt is 0.42, which is 78% below median its 10-year median of 1.87 and 69.3% below the Banks industry median of 1.37. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Axos Financial (AX), the current Cash-to-Debt is 0.42 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 $100.77 is trading 14.5% above its estimated GF Value™ of $88.01.
GuruFocus considers Axos Financial to be Modestly Overvalued.
Key valuation signals for AX:
Cash-to-Debt: 0.42 (78% below median its 10-year median of 1.87)
GF Value™: $88.01 vs. price of $100.77 (14.5% above fair value)
Industry Position: 69.3% below the Banks median (#854 of 1484)
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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