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Axos FinancialAX +2.98%73 3-Year EPS without NRI Growth Rate is 21.00% as of Mar. 2026, which is 4% below its 10-year median of 21.90. GuruFocus rates AX with a GF Scoreâ„¢ of 73/100 and a GF Valueâ„¢ of $87.83 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,413 Banks companies, Axos Financial ranks better than 77.78% on this metric.
During the past 12 months, Axos Financial's average EPS without NRI Growth Rate was 10.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 21.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 20.30% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 18.40% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Axos Financial was 90.70% per year. The lowest was -2.80% per year. And the median was 21.90% per year.
Axos Financial (NYSE:AX) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Axos Financial 3-Year EPS without NRI Growth Rate Related Terms
AX vs OZK, EBC, FINN: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Axos Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Axos Financial's 3-Year EPS without NRI Growth Rate falls into.
Axos Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 21.00% mean?
Axos Financial (AX) has a 3-Year EPS without NRI Growth Rate of 21.00% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Axos Financial and its competitors. This is near median its historical median of 21.90. According to the industry distribution chart, Axos Financial ranks #314 out of 1413 companies in the Banks industry, placing it in the top 22.2%.
Is Axos Financial's 3-Year EPS without NRI Growth Rate too high?
Axos Financial's current 3-Year EPS without NRI Growth Rate of 21.00% is near median its 10-year median of 21.90. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. Axos Financial's value of 21.00% is 187.7% above this industry median. Based on the distribution chart, Axos Financial ranks #314 out of 1413 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 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Axos Financial's 3-Year EPS without NRI Growth Rate compare to OZK and EBC?
According to the Banks industry distribution chart, Axos Financial ranks #314 out of 1413 companies for 3-Year EPS without NRI Growth Rate. This places Axos Financial in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.30. Axos Financial's value of 21.00% is 187.7% above this benchmark. While the company's 10-year median is 21.90 vs. the industry median of 7.30, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.30, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 21.00% is 187.7% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Axos Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current 3-Year EPS without NRI Growth Rate is 21.00%, which is near median its own 10-year median of 21.90. 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 $87.83, compared to a current price of $101.41 — trading 15.5% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 21.00%, which is near median its 10-year median of 21.90 and 187.7% above the Banks industry median of 7.30. Axos Financial's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Axos Financial (AX), the current 3-Year EPS without NRI Growth Rate is 21.00% 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 $101.41 is trading 15.5% above its estimated GF Value™ of $87.83.
GuruFocus considers Axos Financial to be Modestly Overvalued.
Key valuation signals for AX:
3-Year EPS without NRI Growth Rate: 21.00% (near median its 10-year median of 21.90)
GF Value™: $87.83 vs. price of $101.41 (15.5% above fair value)
Industry Position: 187.7% above the Banks median (#314 of 1413)
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.
73GF Score
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