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Axos FinancialAX +2.98%85 Shiller PE Ratio is 20.00 as of Jul. 31, 2026, which is 4% above its 10-year median of 19.23. GuruFocus rates AX with a GF Score™ of 85/100 and a GF Value™ of $88.56 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,236 Banks companies, Axos Financial ranks worse than 76.78% on this metric.
As of today (2026-07-31), Axos Financial's current share price is $101.41. Axos Financial's E10 for the quarter that ended in Mar. 2026 was $5.07. Axos Financial's Shiller PE Ratio for today is 20.00.
The historical rank and industry rank for Axos Financial's Shiller PE Ratio or its related term are showing as below:
AX'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.23 Med: 19.23 Max: 40.6
Current: 20
During the past years, Axos Financial's highest Shiller PE Ratio was 40.60. The lowest was 9.23. And the median was 19.23.
AX's Shiller PE Ratio is ranked worse than 76.78% of 1236
companies
in the Banks industry
Industry Median: 13.885
vs AX: 20.00
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Axos Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $2.150. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $5.07 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Axos Financial (NYSE:AX) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Axos Financial Shiller PE Ratio Related Terms
Axos Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Axos Financial's Shiller PE Ratio 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 Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Axos Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Axos Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
Axos Financial's Shiller PE Ratio for today is calculated as
* 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's E10 for the quarter that ended in Mar. 2026 is calculated as:
For example, Axos Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Axos Financial (AX) has a Shiller PE Ratio of 20.00 as of Jul. 31, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Axos Financial and its competitors. This is near median its historical median of 19.23. Over the past decade, Axos Financial's Shiller PE Ratio has ranged from 9.23 to 40.60. According to the industry distribution chart, Axos Financial ranks #949 out of 1236 companies in the Banks industry, placing it in the top 76.8%.
Is Axos Financial's Shiller PE Ratio too high?
Axos Financial's current Shiller PE Ratio of 20.00 is near median its 10-year median of 19.23. Over the past 10 years, this metric has ranged from a low of 9.23 to a high of 40.60. The Banks industry median Shiller PE Ratio is 13.89. Axos Financial's value of 20.00 is 44% above this industry median. Based on the distribution chart, Axos Financial ranks #949 out of 1236 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 Shiller PE Ratio compare to OZK and EBC?
According to the Banks industry distribution chart, Axos Financial ranks #949 out of 1236 companies for Shiller PE Ratio. This places Axos Financial in the lower half of its industry. The industry median Shiller PE Ratio is 13.89. Axos Financial's value of 20.00 is 44% above this benchmark. Historically, Axos Financial's own Shiller PE Ratio has ranged from 9.23 to 40.60 over the past decade. While the company's 10-year median is 19.23 vs. the industry median of 13.89, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.89, based on 1,236 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Axos Financial's current Shiller PE Ratio of 20.00 is 44% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Axos Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axos Financial's current Shiller PE Ratio is 20.00, which is near median its own 10-year median of 19.23. 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 $88.56, compared to a current price of $101.41 — trading 14.5% above its estimated fair value. The current Shiller PE Ratio is 20.00, which is near median its 10-year median of 19.23 and 44% above the Banks industry median of 13.89. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Axos Financial (AX), the current Shiller PE Ratio is 20.00 as of Jul. 31, 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 $101.41 is trading 14.5% above its estimated GF Value™ of $88.56.
GuruFocus considers Axos Financial to be Modestly Overvalued.
Key valuation signals for AX:
Shiller PE Ratio: 20.00 (near median its 10-year median of 19.23)
GF Value™: $88.56 vs. price of $101.41 (14.5% above fair value)
Industry Position: 44% above the Banks median (#949 of 1236)
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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