AX (Axos Financial) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Axos Financial LT-Debt-to-Total-Asset?

Axos Financial AX +3.23% 85 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates AX with a GF Score™ of 85/100 and a GF Value™ of $87.65 (Fairly Valued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Axos Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Axos Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.04). It may suggest that Axos Financial is progressively becoming more dependent on debt to grow their business.

Axos Financial (NYSE:AX) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Axos Financial LT-Debt-to-Total-Asset Related Terms

Axos Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Axos Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Axos Financial Annual Data

Trend

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Jun25

LT-Debt-to-Total-Asset

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0.04

0.03

0.02

Axos Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.05	0.04	0.04

85GF Score

Axos Financial Inc AX

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Axos Financial LT-Debt-to-Total-Asset Calculation

Axos Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	372.671	/	24783.078
	=	0.02

Axos Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	1072.517	/	29248.986
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Axos Financial (AX) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Axos Financial and its competitors.

Is Axos Financial's LT-Debt-to-Total-Asset too high?

Axos Financial's current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset compare to FINN and FFIN?

Axos Financial's LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Axos Financial and its competitors. Axos Financial's current LT-Debt-to-Total-Asset is 0.04. 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 $87.65, compared to a current price of $94.35 — trading 7.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Axos Financial's overall GF Score™ is 85/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Axos Financial (AX), the current LT-Debt-to-Total-Asset is 0.04 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 $94.35 is trading 7.6% above its estimated GF Value™ of $87.65. GuruFocus considers Axos Financial to be Fairly Valued.

Key valuation signals for AX:

LT-Debt-to-Total-Asset: 0.04
GF Value™: $87.65 vs. price of $94.35 (7.6% above fair value)
GF Score™: 85/100 with 4 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies FINN FFIN ASB OZK AUB HOMB IBOC TFSL HWC TCBI SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Other Exchanges BB4:Germany

Address 9205 West Russell Road, Suite 400, Las Vegas, NV, USA, 89148

Website https://www.axosfinancial.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$94.35

Price

$87.65

GF Value

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