AX (Axos Financial) Change In Receivables: $-33 Mil (TTM As of Mar. 2026)


AX Axos Financial Inc AX
84 GF Score
Price $98.48
GF Value $88.08
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Axos Financial Change In Receivables?

Axos Financial AX -2.23% 84 Change In Receivables is $-33 Mil as of Mar. 2026. GuruFocus rates AX with a GF Score™ of 84/100 and a GF Value™ of $88.08 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Axos Financial's change in receivables for the quarter that ended in Mar. 2026 was $-56 Mil. It means Axos Financial's Accounts Receivable increased by $56 Mil from Dec. 2025 to Mar. 2026 .

Axos Financial's change in receivables for the fiscal year that ended in Jun. 2025 was $-13 Mil. It means Axos Financial's Accounts Receivable increased by $13 Mil from Jun. 2024 to Jun. 2025 .

Axos Financial's Accounts Receivable for the quarter that ended in Mar. 2026 was $334 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Axos Financial's Days Sales Outstanding for the three months ended in Mar. 2026 was 78.54.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Axos Financial's liquidation value for the three months ended in Mar. 2026 was $-24,365 Mil.

Axos Financial  (NYSE:AX) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Axos Financial's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=333.699/387.723*91
=78.54

2. In Ben Graham's calculation of liquidation value, Axos Financial's accounts receivable are only considered to be worth 75% of book value:

Axos Financial's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=1568.97-26183.803+0.75 * 333.699+0.5 * 0
=-24,365

* 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 Change In Receivables Related Terms

Axos Financial Change In Receivables Historical Data

* Premium members only.

The historical data trend for Axos Financial's Change In Receivables 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 Change In Receivables Chart

Axos Financial Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only -149.55 -43.93 43.34 134.05 -12.69

Axos Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Change In Receivables 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 -2.02 48.19 -10.38 -14.21 -56.39
AX
84GF Score
Axos Financial Inc AX
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Axos Financial Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-33 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $-33 Mil mean?
Axos Financial (AX) has a Change In Receivables of $-33 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Axos Financial and its competitors.
Is Axos Financial's Change In Receivables too high?
Axos Financial's current Change In Receivables is $-33 Mil. Overall, Axos Financial has a GF Score™ of 84/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Axos Financial's Change In Receivables compare to OZK and HOMB?
Axos Financial's Change In Receivables of $-33 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 Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables 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 Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Axos Financial and its competitors. Axos Financial's current Change In Receivables is $-33 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 Modestly Overvalued. The stock's GF Value™ is $88.08, compared to a current price of $98.48 — trading 11.8% above its estimated fair value. The current Change In Receivables is $-33 Mil. Axos Financial's overall GF Score™ is 84/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Axos Financial (AX), the current Change In Receivables is $-33 Mil 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 $98.48 is trading 11.8% above its estimated GF Value™ of $88.08. GuruFocus considers Axos Financial to be Modestly Overvalued.

Key valuation signals for AX:

  • Change In Receivables: $-33 Mil
  • GF Value™: $88.08 vs. price of $98.48 (11.8% above fair value)
  • GF Score™: 84/100 with 7 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.
84GF Score

Get the complete analysis for AX

Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$98.48
Price
$88.08
GF Value