Axos Financial (FRA:BB4) E10: €4.29 (As of Mar. 2026)


FRA:BB4 Axos Financial Inc FRA:BB4
85 GF Score
Price €82.50
GF Value €75.23
Valuation Fairly Valued
! 5 Warning Signs
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What is Axos Financial E10?

Axos Financial FRA:BB4 +0.61% 85 E10 is €4.29 as of Mar. 2026. GuruFocus rates FRA:BB4 with a GF Score™ of 85/100 and a GF Value™ of €75.23 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Axos Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was €1.860. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.29 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Axos Financial's average E10 Growth Rate was 16.80% per year. During the past 3 years, the average E10 Growth Rate was 20.20% per year. During the past 5 years, the average E10 Growth Rate was 22.20% per year. During the past 10 years, the average E10 Growth Rate was 23.10% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Axos Financial was 30.30% per year. The lowest was 20.20% per year. And the median was 22.90% per year.

As of today (2026-06-28), Axos Financial's current stock price is €82.50. Axos Financial's E10 for the quarter that ended in Mar. 2026 was €4.29. Axos Financial's Shiller PE Ratio of today is 19.23.

During the past 13 years, the highest Shiller PE Ratio of Axos Financial was 40.60. The lowest was 9.23. And the median was 19.30.


Axos Financial  (FRA:BB4) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Axos Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=82.50/4.29
=19.23

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Axos Financial was 40.60. The lowest was 9.23. And the median was 19.30.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Axos Financial E10 Related Terms


Axos Financial E10 Historical Data

* Premium members only.

The historical data trend for Axos Financial's E10 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 E10 Chart

Axos Financial Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.74 2.52 2.83 3.46 3.89

Axos Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 3.94 3.89 4.04 4.16 4.29

FRA:BB4 vs OZK, HOMB, FFIN: E10 Comparison

For the Banks - Regional subindustry, Axos Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Axos Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Axos Financial's Shiller PE Ratio falls into.


FRA:BB4
85GF Score
Axos Financial Inc FRA:BB4
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Axos Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Axos Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.86/330.2130*330.2130
=1.860

Current CPI (Mar. 2026) = 330.2130.

Axos Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.409 241.018 0.560
201609 0.401 241.428 0.548
201612 0.474 241.432 0.648
201703 0.589 243.801 0.798
201706 0.445 244.955 0.600
201709 0.420 246.819 0.562
201712 0.414 246.524 0.555
201803 0.649 249.554 0.859
201806 0.496 251.989 0.650
201809 0.497 252.439 0.650
201812 0.545 251.233 0.716
201903 0.558 254.202 0.725
201906 0.584 256.143 0.753
201909 0.599 256.759 0.770
201912 0.603 256.974 0.775
202003 0.824 258.115 1.054
202006 0.666 257.797 0.853
202009 0.747 260.280 0.948
202012 0.748 260.474 0.948
202103 0.748 264.877 0.933
202106 0.747 271.696 0.908
202109 0.842 274.310 1.014
202112 0.885 278.802 1.048
202203 0.926 287.504 1.064
202206 0.908 296.311 1.012
202209 0.980 296.808 1.090
202212 1.274 296.797 1.417
202303 1.233 301.836 1.349
202306 1.348 305.109 1.459
202309 1.293 307.789 1.387
202312 2.403 306.746 2.587
202403 1.757 312.332 1.858
202406 1.672 314.175 1.757
202409 1.739 315.301 1.821
202412 1.719 315.605 1.799
202503 1.674 319.799 1.729
202506 1.665 322.561 1.704
202509 1.653 324.800 1.681
202512 1.896 324.054 1.932
202603 1.860 330.213 1.860

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €4.29 mean?
Axos Financial (FRA:BB4) has a E10 of €4.29 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Axos Financial and its competitors.
Is Axos Financial's E10 too high?
Axos Financial's current E10 is €4.29. Overall, Axos Financial has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Axos Financial's E10 compare to OZK and HOMB?
Axos Financial's E10 of €4.29 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Axos Financial and its competitors. Axos Financial's current E10 is €4.29. 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 (FRA:BB4) is currently considered Fairly Valued. The stock's GF Value™ is €75.23, compared to a current price of €82.50 — trading 9.7% above its estimated fair value. The current E10 is €4.29. Axos Financial's overall GF Score™ is 85/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Axos Financial (FRA:BB4), the current E10 is €4.29 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 (FRA:BB4) Overvalued in 2026?

Based on GuruFocus' analysis, Axos Financial stock appears to be overvalued. The current stock price of €82.50 is trading 9.7% above its estimated GF Value™ of €75.23. GuruFocus considers Axos Financial to be Fairly Valued.

Key valuation signals for FRA:BB4:

  • E10: €4.29
  • GF Value™: €75.23 vs. price of €82.50 (9.7% above fair value)
  • GF Score™: 85/100 with 5 warning signs

No single metric tells the full story. See the FRA:BB4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Axos Financial Business Description

Other Exchanges AX:USABB4: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.
85GF Score

Get the complete analysis for FRA:BB4

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€82.50
Price
€75.23
GF Value