Profitability
Weight: 25%
C+
59
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.3%
- Operating Margin Trend -3.12 pp/yr
AX
Axos Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B+
80
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 13.1%
- 5yr Share-Count CAGR -1.0%
Growth Quality
Weight: 10%
A+
98
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 24.8%
- 5yr EPS CAGR 20.2%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
92
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.05x
Balance Sheet
Weight: 30%
C+
61
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.8%
- Interest Coverage (EBIT/Int) 0.89x
Stability
Weight: 10%
D+
44
- EPS Volatility (σ/μ) 0.58
- Piotroski F-Score 4
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 trimmed.
- Holders
- 2 +1
- Avg Δ position
- -40.8%
- New buys
- 1
- Full exits
- 0