Axos FinancialAX +3.23%85 OCF Margin % is 10.84% as of Mar. 2026, which is 73% below its 10-year median of 40.67. 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. Among 1,501 Banks companies, Axos Financial ranks better than 53.9% on this metric.
The historical rank and industry rank for Axos Financial's OCF Margin % or its related term are showing as below:
AX'
s OCF Margin % Range Over the Past 10 Years
Min: 22.1 Med: 40.67 Max: 65.19
Current: 31.88
During the past 13 years, the highest OCF Margin % of Axos Financial was 65.19%. The lowest was 22.10%. And the median was 40.67%.
AX's OCF Margin % is ranked better than 53.9% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs AX: 31.88
Axos Financial OCF Margin % Related Terms
Axos Financial OCF Margin % Historical Data
* Premium members only.
The historical data trend for Axos Financial's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Axos Financial's OCF Margin % 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.
Axos Financial (AX) has a OCF Margin % of 10.84% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Axos Financial and its competitors. This is 73% below median its historical median of 40.67. Over the past decade, Axos Financial's OCF Margin % has ranged from 22.10 to 65.19. According to the industry distribution chart, Axos Financial ranks #692 out of 1501 companies in the Banks industry, placing it in the top 46.1%.
Is Axos Financial's OCF Margin % too high?
Axos Financial's current OCF Margin % of 10.84% is 73% below median its 10-year median of 40.67. Over the past 10 years, this metric has ranged from a low of 22.10 to a high of 65.19. The Banks industry median OCF Margin % is 29.44. Axos Financial's value of 10.84% is 63.2% below this industry median. Based on the distribution chart, Axos Financial ranks #692 out of 1501 companies in the Banks industry, which is above the industry midpoint. 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 OCF Margin % compare to FINN and FFIN?
According to the Banks industry distribution chart, Axos Financial ranks #692 out of 1501 companies for OCF Margin %. This puts Axos Financial in the upper half of its industry. The industry median OCF Margin % is 29.44. Axos Financial's value of 10.84% is 63.2% below this benchmark. Historically, Axos Financial's own OCF Margin % has ranged from 22.10 to 65.19 over the past decade. While the company's 10-year median is 40.67 vs. the industry median of 29.44, Axos Financial has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Axos Financial's current OCF Margin % of 10.84% is 63.2% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Axos Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current OCF Margin % is 10.84%, which is 73% below median its own 10-year median of 40.67. 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 OCF Margin % is 10.84%, which is 73% below median its 10-year median of 40.67 and 63.2% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Axos Financial (AX), the current OCF Margin % is 10.84% 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:
OCF Margin %: 10.84% (73% below median its 10-year median of 40.67)
GF Value™: $87.65 vs. price of $94.35 (7.6% above fair value)
Industry Position: 63.2% below the Banks median (#692 of 1501)
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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