Axos Financial (AX) vs. The Competition Critical Contrast

Axos Financial (NYSE: AX) is one of 93 publicly-traded companies in the “Federal savings institutions” industry, but how does it weigh in compared to its rivals? We will compare Axos Financial to similar companies based on the strength of its profitability, earnings, valuation, dividends, institutional ownership, risk and analyst recommendations.

Insider & Institutional Ownership

73.9% of Axos Financial shares are owned by institutional investors. Comparatively, 37.9% of shares of all “Federal savings institutions” companies are owned by institutional investors. 6.5% of Axos Financial shares are owned by insiders. Comparatively, 9.4% of shares of all “Federal savings institutions” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Axos Financial and its rivals, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Axos Financial 0 0 1 1 3.50
Axos Financial Competitors 381 1247 1142 77 2.32

Axos Financial currently has a consensus target price of $43.00, indicating a potential upside of 43.62%. As a group, “Federal savings institutions” companies have a potential upside of 21.31%. Given Axos Financial’s stronger consensus rating and higher possible upside, equities analysts plainly believe Axos Financial is more favorable than its rivals.

Profitability

This table compares Axos Financial and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Axos Financial 27.57% 17.81% 1.74%
Axos Financial Competitors 14.13% 9.15% 0.83%

Volatility and Risk

Axos Financial has a beta of 0.52, meaning that its share price is 48% less volatile than the S&P 500. Comparatively, Axos Financial’s rivals have a beta of 0.45, meaning that their average share price is 55% less volatile than the S&P 500.

Earnings and Valuation

This table compares Axos Financial and its rivals top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Axos Financial $546.02 million $152.41 million 12.07
Axos Financial Competitors $899.82 million $169.16 million 18.35

Axos Financial’s rivals have higher revenue and earnings than Axos Financial. Axos Financial is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Summary

Axos Financial beats its rivals on 9 of the 13 factors compared.

About Axos Financial

Axos Financial, Inc. operates as the holding company for BofI Federal Bank that provides consumer and business banking products in the United States. The company offers deposits products, including consumer and business checking, demand, savings, and time deposit accounts. It also provides single family and multifamily mortgage secured lending products; commercial real estate secured and commercial lending products; specialty finance factoring products; prime loans to customers secured by new and used automobiles; and term unsecured personal loans to individual borrowers, as well as overdraft lines of credit. In addition, the company offers prepaid card and refund transfer, debit card or ATM card, portfolio management, online bill payment, money transfer, overdraft protection, online and mobile banking, and text message banking services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in San Diego, California.

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