Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Axos Financial's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $688 Mil. Axos Financial's average total debt for the quarter that ended in Mar. 2026 was $1,967 Mil. Therefore, Axos Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 34.97%.
Axos Financial (NYSE:AX) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Axos Financial Effective Interest Rate on Debt % Related Terms
Axos Financial Effective Interest Rate on Debt % Historical Data
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The historical data trend for Axos Financial's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
AX vs OZK, HOMB, FFIN: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Axos Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Axos Financial's Effective Interest Rate on Debt % falls into.
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 34.97% mean?
Axos Financial (AX) has a Effective Interest Rate on Debt % of 34.97% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Axos Financial and its competitors.
Is Axos Financial's Effective Interest Rate on Debt % too high?
Axos Financial's current Effective Interest Rate on Debt % is 34.97%. 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 Effective Interest Rate on Debt % compare to OZK and HOMB?
Axos Financial's Effective Interest Rate on Debt % of 34.97% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Axos Financial and its competitors. Axos Financial's current Effective Interest Rate on Debt % is 34.97%. 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 $87.75, compared to a current price of $96.23 — trading 9.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 34.97%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Axos Financial (AX), the current Effective Interest Rate on Debt % is 34.97% 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 $96.23 is trading 9.7% above its estimated GF Value™ of $87.75.
GuruFocus considers Axos Financial to be Fairly Valued.
Key valuation signals for AX:
Effective Interest Rate on Debt %: 34.97%
GF Value™: $87.75 vs. price of $96.23 (9.7% above fair value)
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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