Should I buy, hold, or sell AX stock right now?

Axos Financial Inc. (AX) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (15% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.

What is AX's 12-month price target and RQD AI Jury consensus?

AX's 12-month base price target is $96.84 (range $75.54 to $114.27), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / AX

EBC (68) TFSL (50) BKU (54) PFS (65) ⌘ Pro Terminal →

Axos Financial Inc. (AX) — RQD Stock Rating Cockpit

$94.71 +4.79% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $95.35

Axos Financial Inc. (AX) carries a Roarable Rating of C (Hold) with 63/100 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.

ROARABLE C • HOLD / WATCH Cap $5.13B

📤 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 2026-11-03, Axos Financial Inc. (NYSE: AX) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $94.71 (+4.79% 1D, market cap $5.13B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, AX ranks #298 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 (63/100 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 (68/100 RQD, P/E 58.6x, ROIC 0.7%, cap $5.12B) and TFSL (TFS Financial Corporation) posts a D grade (50/100 RQD, P/E 51.7x, ROIC 4.8%, cap $4.61B). 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: Sensitive to high interest rates and tighter Federal Reserve market liquidity. 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: $95.34 (+0.67%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 745.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

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 C+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AX)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY AX SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% 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 (24% of score)

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

▼ #1 Drag / Risk Factor: Macro Regime Fit9/20 pts (-11 pt drag)

Macro rate sensitivity & RSI-14 (49.1) create a -11 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$88.37+1.7% Next Q

Q2 (-2Q)

Grade C$89.86+2.7% Next Q

Q3 (-1Q)

Grade C$92.30+2.6% Next Q

Current

Grade C$94.71+0.9% Hist 90D α

Trajectory: C (55) → C (63)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 63/100 (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

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ 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 ($91.39) or 200D SMA ($92.32) invalidates the momentum regime and cuts Target Base ($96.84) toward Bear Floor ($75.54).

🎲 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 63%NO 37%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

49.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE64% OF RANGE

L: $75$94.71H: $106

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 22 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on AX

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

14.8% ROIC with 42.0% gross margin and 9.32% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (58)

26/40 institutional & smart-money positioning score with 9/20 macro alignment.

Bull Case: Why Buyers Like AX

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (AX Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change 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: +8.51%📐 HORIZONTAL RANGE

2026-11-03O $92.55H $94.71L $90.38C $94.71VOL 459.5K

SUP: $79.26SMA50: $91.39SMA200: $92.32

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

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

Reverse-DCF Expectations Hurdle

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

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 #298 of 1097 ⚔️ 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 1097 tracked Financials securities in the Roarable RQD universe, Axos Financial Inc. (AX) ranks #298 by composite RQD confidence (63/100, grade C) and #269 by equity capitalization ($5.13B). 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 68/100 (C+) compared with AX at 63/100 (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	63/100	12.2x	—	14.8%	+4.79%	$5.13B	Benchmark Subject
EBC Eastern Bankshares Inc.	C+	68/100	58.6x	—	0.7%	+2.41%	$5.12B	/ebc-vs-ax →
TFSL TFS Financial Corporation	D	50/100	51.7x	—	4.8%	+0.55%	$4.61B	/tfsl-vs-ax →
BKU BankUnited Inc.	D+	54/100	11.5x	—	8.8%	+2.42%	$3.06B	/bku-vs-ax →
PFS Provident Financial Services Inc	C	65/100	10.4x	—	10.3%	+2.66%	$2.99B	/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?

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

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

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

AX last traded at $94.71 (+4.79% on volume of 547,883 shares), positioning the stock +3.63% above its 50-day simple moving average ($91.39) and +2.59% above its 200-day simple moving average ($92.32). Across its 52-week range of $74.89 to $105.74, AX sits at the 64.2% percentile with a 14-day RSI of 49.1 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($90.54 to $98.88).

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 63/100 (C) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Axos Financial Inc. (AX) earns a live Roarable RQD composite score of 63/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $94.71 (+4.79% 1D, market capitalization $5.13B).

Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 14.8%, gross margin of —, operating margin of —, and free cash flow yield of 9.32%.
Whale 13F & Options Flow (9/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (9/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Axos Financial Inc. (AX) is a NYSE-listed issuer in the Financials sector, classified under the Savings Institutions industry. The profile identifies the company's market capitalization as $5.3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), Axos Financial Inc. (AX) reported $65.8M in annual revenue (up from $64.6M in FY2024, +1.8% YoY) and $432.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($65.3M revenue, $307.2M net income) through FY2025, AX scaled operating cash flow to $490.3M and free cash flow to $490.3M, backed by $28.20B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C • RQD 63/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $74.89 – $105.74 52-week range.
🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 12.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — The only sector-level context available is the classification as Financials within Savings Institutions, together with the Roarable RQD macro-fit pillar score of 12/20 and a beta of 1.0, which indicate neutral sensitivity to broader market moves.

Key Question #1: Can AX sustain or expand its — operating margin and 14.8% ROIC against Savings Institutions peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $65.8M and free cash flow of $490.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is AX's 11.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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) ↓

🟡 MARKET WIRE Yahoo Finance • 22h ago

Axos Financial (AX) Stock May Be Undervalued On Earnings Power Today

Yahoo Finance report covering Axos Financial Inc. (AX) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Axos Financial (AX) Stock Slips After Q1 Results Despite Strong Profit

Yahoo Finance report covering Axos Financial Inc. (AX) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Axos Financial: Strong Bank, Limited Margin Of Safety (NYSE:AX)

Seeking Alpha report covering Axos Financial Inc. (AX) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Needham reiterates Buy rating on Axos Financial, $128 price target

TradingView report covering Axos Financial Inc. (AX) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

Axos Financial (AX) Q3 earnings report preview: what to look for

The Globe and Mail report covering Axos Financial Inc. (AX) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Are Finance Stocks Lagging Axos Financial (AX) This Year?

Yahoo Finance report covering Axos Financial Inc. (AX) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH TradingView • 1d ago

Axos Financial, Inc. Stock 12‑Month Price Target Cut to $117, Implies 26% Upside

TradingView report covering Axos Financial Inc. (AX) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Axos Financial, Inc. 2027 Q1 - Results - Earnings Call Presentation (NYSE:AX) 2026-10-30

Seeking Alpha report covering Axos Financial Inc. (AX) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AX Bull vs. Bear Conversation Board — What's Your Call at $94.71?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AX 🐻 33% BEARISH CONVICTION

DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $117.49 (+30.0%)

📌 Pinned Debate

Insider conviction (17/20) and a 9.32% FCF yield with a 12.2 trailing P/E suggest the stock is not priced for aggressive growth.

Here is why I am bullish on AX here at $90.38: Insider conviction (17/20) and a 9.32% FCF yield with a 12.2 trailing P/E suggest the stock is not priced for aggressive growth.. Compare AX's 0.0% operating margin and 14.8% ROIC against the rest of Savings Institutions. As long as cash conversion holds up, dips toward $85.86 are getting bought.

SectorRotator 🐂 BULL

@DeltaGamma_99 Agree on the RQD 63/100 quality, though with 1.0 beta I'm scaling in with half-size at $90.38 and keeping dry powder in case we test $84.05.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $72.30 (-20.0%)

Spot @ $90.38

Operating income is reported at $0.0M across all periods and debt is N/A, leaving the forensic case unverified with a Piotroski F-Score

I respect the product at Axos Financial Inc., but the stock at $90.38 is a different story. Operating income is reported at $0.0M across all periods and debt is N/A, leaving the forensic case unverified with a Piotroski F-Score of 4/9.. FCF yield is 9.32% and RQD sits at 63/100 (C) — why pay up here when you can wait for next quarter's numbers?