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Axos FinancialAX +0.94%75 3-Year FCF Growth Rate is 22.30% as of Jun. 2026, which is 81% above its 10-year median of 12.30. GuruFocus rates AX with a GF Score™ of 75/100 and a GF Value™ of $92.66 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,047 Banks companies, Axos Financial ranks better than 75.93% on this metric.
During the past 12 months, Axos Financial's average Free Cash Flow per Share Growth Rate was -32.80% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 22.30% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 4.90% per year.
During the past 10 years, the average Free Cash Flow per Share Growth Rate was 8.20% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Axos Financial was 142.60% per year. The lowest was -59.20% per year. And the median was 12.30% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Axos Financial 3-Year FCF Growth Rate Related Terms
AX vs FLG, OZK, ABCB: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Axos Financial's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Axos Financial's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 22.30% mean?
Axos Financial (AX) has a 3-Year FCF Growth Rate of 22.30% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Axos Financial and its competitors. This is 81% above median its historical median of 12.30. According to the industry distribution chart, Axos Financial ranks #252 out of 1047 companies in the Banks industry, placing it in the top 24.1%.
Is Axos Financial's 3-Year FCF Growth Rate too high?
Axos Financial's current 3-Year FCF Growth Rate of 22.30% is 81% above median its 10-year median of 12.30. The Banks industry median 3-Year FCF Growth Rate is 0.40. Axos Financial's value of 22.30% is 5475% above this industry median. Based on the distribution chart, Axos Financial ranks #252 out of 1047 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 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Axos Financial's 3-Year FCF Growth Rate compare to FLG and OZK?
According to the Banks industry distribution chart, Axos Financial ranks #252 out of 1047 companies for 3-Year FCF Growth Rate. This places Axos Financial in the top 24% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 0.40. Axos Financial's value of 22.30% is 5475% above this benchmark. While the company's 10-year median is 12.30 vs. the industry median of 0.40, 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 FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.40, based on 1,047 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate of 22.30% is 5475% 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Axos Financial and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current 3-Year FCF Growth Rate is 22.30%, which is 81% above median its own 10-year median of 12.30. 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 $92.66, compared to a current price of $97.95 — trading 5.7% above its estimated fair value. The current 3-Year FCF Growth Rate is 22.30%, which is 81% above median its 10-year median of 12.30 and 5475% above the Banks industry median of 0.40. Axos Financial's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Axos Financial (AX), the current 3-Year FCF Growth Rate is 22.30% 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 $97.95 is trading 5.7% above its estimated GF Value™ of $92.66.
GuruFocus considers Axos Financial to be Fairly Valued.
Key valuation signals for AX:
3-Year FCF Growth Rate: 22.30% (81% above median its 10-year median of 12.30)
GF Value™: $92.66 vs. price of $97.95 (5.7% above fair value)
Industry Position: 5475% above the Banks median (#252 of 1047)
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.
75GF Score
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