Axos FinancialAX +1.54%85 EV-to-FCF is 28.64 as of Jul. 06, 2026, which is 231% above its 10-year median of 8.64. GuruFocus rates AX with a GF Score™ of 85/100 and a GF Value™ of $88.06 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,196 Banks companies, Axos Financial ranks worse than 88.13% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Axos Financial's Enterprise Value is $7,304 Mil.
Axos Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $255 Mil. Therefore, Axos Financial's EV-to-FCF for today is 28.64.
The historical rank and industry rank for Axos Financial's EV-to-FCF or its related term are showing as below:
AX'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.21 Med: 8.64 Max: 76.5
Current: 28.64
During the past 13 years, the highest EV-to-FCF of Axos Financial was 76.50. The lowest was -0.21. And the median was 8.64.
AX's EV-to-FCF is ranked worse than 88.13% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs AX: 28.64
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Axos Financial's PE Ratio (TTM) for today is calculated as:
Axos Financial's share price for today is $99.406.
Axos Financial's 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 $8.230.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Axos Financial EV-to-FCF Related Terms
Axos Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Axos Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, Axos Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Axos Financial's EV-to-FCF falls into.
Axos Financial's current Enterprise Value is $7,304 Mil.
Axos Financial's Free Cash Flow 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 $255 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.
Axos Financial (AX) has a EV-to-FCF of 28.64 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Axos Financial and its competitors. This is 231% above median its historical median of 8.64. According to the industry distribution chart, Axos Financial ranks #1054 out of 1196 companies in the Banks industry, placing it in the top 88.1%.
Is Axos Financial's EV-to-FCF too high?
Axos Financial's current EV-to-FCF of 28.64 is 231% above median its 10-year median of 8.64. The Banks industry median EV-to-FCF is 6.57. Axos Financial's value of 28.64 is 336.3% above this industry median. Based on the distribution chart, Axos Financial ranks #1054 out of 1196 companies in the Banks industry, which is in the bottom quartile 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 EV-to-FCF compare to OZK and HOMB?
According to the Banks industry distribution chart, Axos Financial ranks #1054 out of 1196 companies for EV-to-FCF. This places Axos Financial in the lower half of its industry. The industry median EV-to-FCF is 6.57. Axos Financial's value of 28.64 is 336.3% above this benchmark. While the company's 10-year median is 8.64 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Axos Financial's current EV-to-FCF of 28.64 is 336.3% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Axos Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current EV-to-FCF is 28.64, which is 231% above median its own 10-year median of 8.64. 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 $88.06, compared to a current price of $99.41 — trading 12.9% above its estimated fair value. The current EV-to-FCF is 28.64, which is 231% above median its 10-year median of 8.64 and 336.3% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Axos Financial (AX), the current EV-to-FCF is 28.64 as of Jul. 06, 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 $99.41 is trading 12.9% above its estimated GF Value™ of $88.06.
GuruFocus considers Axos Financial to be Modestly Overvalued.
Key valuation signals for AX:
EV-to-FCF: 28.64 (231% above median its 10-year median of 8.64)
GF Value™: $88.06 vs. price of $99.41 (12.9% above fair value)
Industry Position: 336.3% above the Banks median (#1054 of 1196)
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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