Axos FinancialAX +3.23%85 Pretax Margin % is 42.63% as of Mar. 2026, which is 13% below its 10-year median of 48.95. 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 1,527 Banks companies, Axos Financial ranks better than 76.29% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Axos Financial Pretax Margin % Related Terms
Axos Financial Pretax Margin % Historical Data
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The historical data trend for Axos Financial's Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Axos Financial's Pretax 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 Pretax Margin % of 42.63% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Axos Financial and its competitors. This is 13% below median its historical median of 48.95. Over the past decade, Axos Financial's Pretax Margin % has ranged from 43.56 to 62.59. According to the industry distribution chart, Axos Financial ranks #362 out of 1527 companies in the Banks industry, placing it in the top 23.7%.
Is Axos Financial's Pretax Margin % too high?
Axos Financial's current Pretax Margin % of 42.63% is 13% below median its 10-year median of 48.95. Over the past 10 years, this metric has ranged from a low of 43.56 to a high of 62.59. The Banks industry median Pretax Margin % is 34.88. Axos Financial's value of 42.63% is 22.2% above this industry median. Based on the distribution chart, Axos Financial ranks #362 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Pretax Margin % compare to FINN and FFIN?
According to the Banks industry distribution chart, Axos Financial ranks #362 out of 1527 companies for Pretax Margin %. This places Axos Financial in the top 24% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Axos Financial's value of 42.63% is 22.2% above this benchmark. Historically, Axos Financial's own Pretax Margin % has ranged from 43.56 to 62.59 over the past decade. While the company's 10-year median is 48.95 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Axos Financial's current Pretax Margin % of 42.63% is 22.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Axos Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current Pretax Margin % is 42.63%, which is 13% below median its own 10-year median of 48.95. 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 Pretax Margin % is 42.63%, which is 13% below median its 10-year median of 48.95 and 22.2% above the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Axos Financial (AX), the current Pretax Margin % is 42.63% 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:
Pretax Margin %: 42.63% (13% below median its 10-year median of 48.95)
GF Value™: $87.65 vs. price of $94.35 (7.6% above fair value)
Industry Position: 22.2% above the Banks median (#362 of 1527)
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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