ROARABLE
Today ⌘ Pro Terminal Big Ideas 🎲 Predictions Screener 🦋 Butterfly 8 Analysts 🏛️ Policy 🎬 Video ★ Watchlist 🎲 Prediction Markets 📊 RQD Track Record 📅 Next Catalysts 🛡️ Overlap & Crash X-Ray 📰 Live Wire 🐋 13F Whales 🏛️ Congress & CEO Buys 🏆 $100K Arena ⌘ Pro Terminal 📐 Methodology & Corrections
Stock Ratings / Financials / AX / dividends
EBC (69) TFSL (52) BKU (54) PFS (68) ⌘ Pro Terminal →

Axos Financial Inc. (AX) Dividend Safety Gauge & 10-Year DRIP Compounder

$90.38 -2.35% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $89.83

Axos Financial Inc. (AX) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →
ROARABLE C+ • HOLD / WATCH Cap $5.26B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AX Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-02, Axos Financial Inc. (NYSE: AX) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $90.38 (-2.35% 1D, market cap $5.26B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, AX ranks #179 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AX compare to EBC and TFSL in the Financials sector?
▼

Within the Financials sector (Savings Institutions), AX carries a Roarable C+ (68/100 RQD), trailing P/E of 12.2x, gross margin of —, and ROIC of 14.8%. By comparison, EBC (Eastern Bankshares Inc.) holds a C+ grade (69/100 RQD, P/E 58.6x, ROIC 0.7%, cap $5.17B) and TFSL (TFS Financial Corporation) posts a D+ grade (52/100 RQD, P/E 51.7x, ROIC 4.8%, cap $4.70B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while AX leads on capital efficiency (14.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AX?
▼

Per AX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001299709), Axos Financial Inc. generated $65.8M in revenue (+1.8% YoY), $432.9M in net income, and $490.3M in free cash flow against $28.20B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $89.83 (-0.61%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 745.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510068
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C
Cash (15)Whales (11)SEC (13)Macro (12)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+4.5% Base Target
$111 Bull$94 Base$74 Bear
📬 FREE AX RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AX)Realized 20D OHLCV Swing Band: ±4.3%
Deterministic 5-Pillar Attribution (68/100 Composite)
🔍 WHY AX SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 745.3% FCF Margin ($490.3M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
60
Grade C$88.91-1.1% Next Q
Q2 (-2Q)
63
Grade C+$87.92+4.4% Next Q
Q3 (-1Q)
65
Grade C+$91.77-1.5% Next Q
Current
68
Grade C+$90.38+1.8% Hist 90D α
Trajectory: C (60) → C+ (68)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AX Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, AX faces multiple-compression risk if 12.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($91.52) or 200D SMA ($92.34) invalidates the momentum regime and cuts Target Base ($94.45) toward Bear Floor ($73.67).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AX• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “AX Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”
YES 68%NO 32%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $307/yr
$10.6K
Yr 1
$11.1K
Yr 2
$11.7K
Yr 3
$12.4K
Yr 4
$13.1K
Yr 5
$13.8K
Yr 6
$14.5K
Yr 7
$15.3K
Yr 8
$16.2K
Yr 9
$17.1K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in AX & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on AX and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
AX // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.55%▼ DESCENDING CHANNEL
2026-11-02O $91.48H $92.55L $90.38C $90.38VOL 346.8K
RES: $93.48SUP: $79.47SMA50: $91.52SMA200: $92.34
$107.4$100.5$93.70$86.86$80.02RES $93.48SUP $79.47$90.382026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AX Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AX Butterfly Map → + Track AX →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
2.8%/yr Implied 5Y Growth

vs. +1.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on AX today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AX. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for AX today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AX)

Financials Rank #179 of 1096 ⚔️ EBC vs AX Full Matrix →

1. Head-to-Head Financials Peer Comparison (AX vs. EBC, TFSL, BKU, PFS)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Axos Financial Inc. (AX) ranks #179 by composite RQD confidence (68/100, grade C+) and #267 by equity capitalization ($5.26B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while AX leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. EBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with AX at 68/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
AX ACTIVE
Axos Financial Inc.
C+ 68/100 12.2x — 14.8% -2.35% $5.26B Benchmark Subject
EBC
Eastern Bankshares Inc.
C+ 69/100 58.6x — 0.7% -1.10% $5.17B /ebc-vs-ax →
TFSL
TFS Financial Corporation
D+ 52/100 51.7x — 4.8% -1.97% $4.70B /tfsl-vs-ax →
BKU
BankUnited Inc.
D+ 54/100 11.5x — 8.8% -0.92% $3.09B /bku-vs-ax →
PFS
Provident Financial Services Inc
C+ 68/100 10.4x — 10.3% -0.99% $3.02B /pfs-vs-ax →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0001299709

In its most recent audited fiscal period (FY2025, filed 2025-06-30), Axos Financial Inc. (AX) reported GAAP revenue of $65.8M (+1.8% vs. FY2024 revenue of $64.6M , and +0.8% cumulative change since FY2023) , GAAP net income of $432.9M, operating cash flow of $490.3M, and free cash flow of $490.3M (+60.5% YoY). On the balance sheet, AX closed FY2025 with $28.20B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-06-30 $65.8M $432.9M $490.3M $490.3M $28.20B —
FY2024 (FY) 2024-06-30 $64.6M $450.0M $305.5M $305.5M $23.71B —
FY2023 (FY) 2023-06-30 $65.3M $307.2M $196.7M $196.7M — —

3. AX Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Axos Financial Inc. (NYSE: AX) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $90.38 (-2.35% 1D, market cap $5.26B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, AX ranks #179 in composite RQD confidence.

How does AX compare to EBC and TFSL in the Financials sector?

Within the Financials sector (Savings Institutions), AX carries a Roarable C+ (68/100 RQD), trailing P/E of 12.2x, gross margin of —, and ROIC of 14.8%. By comparison, EBC (Eastern Bankshares Inc.) holds a C+ grade (69/100 RQD, P/E 58.6x, ROIC 0.7%, cap $5.17B) and TFSL (TFS Financial Corporation) posts a D+ grade (52/100 RQD, P/E 51.7x, ROIC 4.8%, cap $4.70B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while AX leads on capital efficiency (14.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for AX?

Per AX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001299709), Axos Financial Inc. generated $65.8M in revenue (+1.8% YoY), $432.9M in net income, and $490.3M in free cash flow against $28.20B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is AX trading relative to its 50-day, 200-day, and 52-week technical levels?

AX last traded at $90.38 (-2.35% on volume of 459,534 shares), positioning the stock -1.25% below its 50-day simple moving average ($91.52) and -2.12% below its 200-day simple moving average ($92.34). Across its 52-week range of $74.89 to $105.74, AX sits at the 50.2% percentile with a 14-day RSI of 56.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.3% ($86.49 to $94.27).

AX Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does AX pay a dividend and is it safe?

Axos Financial Inc. (AX) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: AX RQD Cockpit AX 12M Forecast AX Earnings & Move AX Dividends & DRIP AX Insiders & 13F AX Whale Options AX Profit Sankey AX News & Why
ROARABLE RATING BRIEF • RQD 68/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

AX — Axos Financial Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:20:30Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, AX scores 68 out of 100, a C+ grade labeled "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine 15/20 (ROIC 14.8%; FCF yield 9.32%), Whale 13F Flow 11/20 (institutional accumulation and options positioning), Insider Conviction 17/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit 12/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet 13/20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5).

For a prospective investor, the strongest pillar is insider conviction, where the score is highest relative to its maximum. The cash-generation pillar is also a comparative strength, supported by the stated FCF yield. The weakest relative area is institutional flow, which sits at the midpoint of its range, and the macro-fit score signals that the stock's market sensitivity is neutral rather than a clear tailwind. The forensic pillar indicates a balance sheet that is serviceable but not pristine, with a Piotroski F-Score of 4 out of 9 pointing to mixed fundamental-health signals. The overall verdict frames the stock as a hold with a potential breakout trigger rather than a high-conviction accumulation case. Valuation tradeoffs are visible in the market data: a trailing P/E of 12.2 and forward P/E of 11.3 imply the market is not pricing aggressive growth, while the 52-week range of $74.89–$105.74 places the current price of $92.55 in the upper portion of that range.

Recent Catalysts & News Wire Analysis

The news wire contains six items relating to AX, each carrying a YELLOW light and MARKET WIRE impact label. Per the recent news and catalysts section, headlines include a Yahoo Finance piece suggesting the stock may be undervalued on earnings power, a report of the stock slipping after Q1 results despite strong profit, a Seeking Alpha analysis titled "Strong Bank, Limited Margin Of Safety," a TradingView item noting a Needham Buy reiteration with a $128 price target, a Globe and Mail Q3 earnings preview, and a Yahoo Finance piece on whether finance stocks are lagging AX this year. Taken together, these items frame both a valuation-support narrative and a caution around limited margin of safety. The Butterfly Supply-Chain Graph reports no supply-chain links and no proprietary signals, so no additional signal overlay is available.

Open Questions

  • What are the specific product lines, customer segments, and revenue sources behind the reported financials?
  • Why do reported operating income figures show $0.0M across all periods, and what is the reported EPS for each period, since the EPS field reads N/A?
  • What is the debt balance and EV/EBITDA, given that debt is N/A in every period and EV/EBITDA is unavailable?
  • What are the individual insider transactions, 13F positions, and Congressional trades underlying the RQD pillar scores?
  • What is the FY 2023 cash balance, and what drove the decline from FY 2024 to FY 2025 cash?

AX Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Axos Financial Inc. (AX) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AX Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AX Bull vs. Bear Conversation Board — What's Your Call at $90.38?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AX 🐻 50% BEARISH CONVICTION
1. Pick Your Side on AX:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $99.95 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is AX (C+ • RQD 68/100) a Buy at $92.55?

Welcome to the AX (Axos Financial Inc.) Roar Pit. Current RQD Composite is 68/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Savings Institutions. Bulls point to capital efficiency (14.8% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RE RedlineAuditor Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $77.74 (-16.0%)
Spot @ $92.55

Pump the brakes on AX — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on AX, but look at what you are paying: 12.2x trailing P/E with tightening sector spreads. Unless Axos Financial Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $114.76 (+24.0%)
Spot @ $92.55

AX cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on AX, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $92.55 (52-wk range $74.89 - $105.74), any beat on forward guidance forces shorts and underweight funds to chase.

LIVE TAPE SPY $755.72 -0.38% QQQ $690.49 -1.44% DIA $517.13 -0.37% IWM $279.33 +0.96% NVDA $204.64 -4.22% AAPL $344.63 -1.23% MSFT $521.91 -1.55% TSLA $399.81 -0.86% PLTR $184.11 -6.27% SOFI $16.76 -4.83% IBIT $43.36 -0.94% GLD $355.78 -1.34%