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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Axos FinancialAX +2.83%85 Earnings per Share (Diluted) is $8.23 as of Mar. 2026. GuruFocus rates AX with a GF Score™ of 85/100 and a GF Value™ of $88.20 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,416 Banks companies, Axos Financial ranks better than 77.9% on this metric.
Axos Financial's EPS (Basic) for the
three
months ended in Mar. 2026 was $2.20.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $8.42.
During the past 12 months, Axos Financial's average EPS without NRIGrowth Rate was 10.00% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 21.00% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 20.30% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 18.40% per year.
During the past 13 years, Axos Financial's highest 3-Year average EPS without NRI Growth Rate was 90.70% per year. The lowest was -2.80% per year. And the median was 21.90% per year.
Axos Financial (NYSE:AX) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Axos Financial Earnings per Share (Diluted) Related Terms
Axos Financial Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Axos Financial's Earnings per Share (Diluted) 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.
AX vs OZK, HOMB, FFIN: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Axos Financial's PE Ratio, along with its competitors' market caps and 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where Axos Financial's PE Ratio falls into.
Axos Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Axos Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Jun. 2025 is calculated as
Earnings per Share (Diluted) 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 $8.23
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $8.23 mean?
Axos Financial (AX) has a Earnings per Share (Diluted) of $8.23 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Axos Financial and its competitors. According to the industry distribution chart, Axos Financial ranks #313 out of 1416 companies in the Banks industry, placing it in the top 22.1%.
Is Axos Financial's Earnings per Share (Diluted) too high?
Axos Financial's current Earnings per Share (Diluted) is $8.23. The Banks industry median Earnings per Share (Diluted) is 7.25. Axos Financial's value of $8.23 is 13.5% above this industry median. Based on the distribution chart, Axos Financial ranks #313 out of 1416 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 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Axos Financial's Earnings per Share (Diluted) compare to OZK and HOMB?
According to the Banks industry distribution chart, Axos Financial ranks #313 out of 1416 companies for Earnings per Share (Diluted). This places Axos Financial in the top 22% of its industry — outperforming the majority of peers. The industry median Earnings per Share (Diluted) is 7.25. Axos Financial's value of $8.23 is 13.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.25, based on 1,416 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Axos Financial's current Earnings per Share (Diluted) of $8.23 is 13.5% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Axos Financial and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current Earnings per Share (Diluted) is $8.23. 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 $88.20, compared to a current price of $100.94 — trading 14.4% above its estimated fair value. The current Earnings per Share (Diluted) is $8.23 and 13.5% above the Banks industry median of 7.25. Axos Financial's overall GF Score™ is 85/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Axos Financial (AX), the current Earnings per Share (Diluted) is $8.23 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 $100.94 is trading 14.4% above its estimated GF Value™ of $88.20.
GuruFocus considers Axos Financial to be Modestly Overvalued.
Key valuation signals for AX:
Earnings per Share (Diluted): $8.23
GF Value™: $88.20 vs. price of $100.94 (14.4% above fair value)
Industry Position: 13.5% above the Banks median (#313 of 1416)
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.
85GF Score
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Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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