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Intrinsic value of AXOS FINANCIAL, INC (AX)

Previous Close$42.45
Intrinsic Value
Upside potential
Previous Close
$42.45
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh31.3 

The original valuation is based on fiscal year data as of 2021-06-30 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, and money market accounts. It also provides single family and multifamily mortgage secured lending products; commercial real estate secured loans; automobile and RV secured loans; factoring loans; commercial and industrial loans and leases; and other loans, such as unsecured consumer loans, and other small balance business and consumer loans. In addition, Axos Financial, Inc. offers commercial lending, specialty finance factoring, and overdraft lines of credit, as well as fixed rate term unsecured loans to individual borrowers. Further, it provides 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. Additionally, the company offers concierge banking services, bankruptcy and non-bankruptcy trustee and fiduciary services, mobile deposit services, peer to peer payment services, interbank transfer services, digital wallets, securities clearing services, and digital investment advisory services, as well as introduces broker-dealers and registered investment advisor correspondents. 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 headquartered in Las Vegas, Nevada.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %13.0NaN
Revenue, $649NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m332NaN
Operating income, $m317NaN
EBITDA, $m346NaN
Interest expense (income), $mNaN
Earnings before tax, $m306NaN
Tax expense, $m90NaN
Net income, $m216NaN

BALANCE SHEET

Cash and short-term investments, $m1040NaN
Total assets, $m14280NaN
Adjusted assets (=assets-cash), $m13240NaN
Average production assets, $m218NaN
Working capital, $m1841NaN
Total debt, $m1374NaN
Total liabilities, $m12879NaN
Total equity, $m1401NaN
Debt-to-equity ratio0.981NaN
Adjusted equity ratio0.101NaN

CASH FLOW

Net income, $m216NaN
Depreciation, amort., depletion, $m29NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m275NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-10NaN
Free cash flow, $m286NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m1841
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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