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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 +0.99%75 Intrinsic Value: Projected FCF is $112.33 as of Aug. 11, 2026, which is 17182% above its 10-year median of 0.65. GuruFocus rates AX with a GF Score™ of 75/100 and a GF Value™ of $90.27 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,262 Banks companies, Axos Financial ranks worse than 77.26% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-11), Axos Financial's Intrinsic Value: Projected FCF is $112.33. The stock price of Axos Financial is $100.16. Therefore, Axos Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.9.
The historical rank and industry rank for Axos Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
AX'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.34 Med: 0.65 Max: 1.33
Current: 0.89
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Axos Financial was 1.33. The lowest was 0.34. And the median was 0.65.
AX's Price-to-Projected-FCF is ranked worse than 77.26% of 1262
companies
in the Banks industry
Industry Median: 0.58
vs AX: 0.89
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Axos Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
100.16
/
110.4982573501
=
0.91
* 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 Intrinsic Value: Projected FCF Related Terms
Axos Financial Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Axos Financial's Intrinsic Value: Projected 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.
AX vs OZK, EBC, FINN: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Axos Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Axos Financial's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $112.33 mean?
Axos Financial (AX) has a Intrinsic Value: Projected FCF of $112.33 as of Aug. 11, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Axos Financial and its competitors. This is 17182% above median its historical median of 0.65. Over the past decade, Axos Financial's Intrinsic Value: Projected FCF has ranged from 0.34 to 1.33. According to the industry distribution chart, Axos Financial ranks #975 out of 1262 companies in the Banks industry, placing it in the top 77.3%.
Is Axos Financial's Intrinsic Value: Projected FCF too high?
Axos Financial's current Intrinsic Value: Projected FCF of $112.33 is 17182% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 1.33. The Banks industry median Intrinsic Value: Projected FCF is 0.58. Axos Financial's value of $112.33 is 19267.2% above this industry median. Based on the distribution chart, Axos Financial ranks #975 out of 1262 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Axos Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Axos Financial's Intrinsic Value: Projected FCF compare to OZK and EBC?
According to the Banks industry distribution chart, Axos Financial ranks #975 out of 1262 companies for Intrinsic Value: Projected FCF. This places Axos Financial in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.58. Axos Financial's value of $112.33 is 19267.2% above this benchmark. Historically, Axos Financial's own Intrinsic Value: Projected FCF has ranged from 0.34 to 1.33 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 0.58, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.58, based on 1,262 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Axos Financial's current Intrinsic Value: Projected FCF of $112.33 is 19267.2% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Axos Financial and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current Intrinsic Value: Projected FCF is $112.33, which is 17182% above median its own 10-year median of 0.65. 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 $90.27, compared to a current price of $100.16 — trading 11% above its estimated fair value. The current Intrinsic Value: Projected FCF is $112.33, which is 17182% above median its 10-year median of 0.65 and 19267.2% above the Banks industry median of 0.58. Axos Financial's overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Axos Financial (AX), the current Intrinsic Value: Projected FCF is $112.33 as of Aug. 11, 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 $100.16 is trading 11% above its estimated GF Value™ of $90.27.
GuruFocus considers Axos Financial to be Modestly Overvalued.
Key valuation signals for AX:
Intrinsic Value: Projected FCF: $112.33 (17182% above median its 10-year median of 0.65)
GF Value™: $90.27 vs. price of $100.16 (11% above fair value)
Industry Position: 19267.2% above the Banks median (#975 of 1262)
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.
75GF Score
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Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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