Profitability
Weight: 25%
B-
66
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2026) 49.5%
- Efficiency Ratio Trend +0.98 pp/yr
AX
Axos Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A-
82
- 5yr Avg ROE 16.4%
- 5yr Share-Count CAGR -0.9%
Growth Quality
Weight: 15%
B
72
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 25.2%
- Efficiency Ratio Trend (growth quality check) +0.98 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
C-
45
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.06
Balance Sheet
Weight: 20%
A-
82
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 10.6%
Stability
Weight: 10%
C
56
- EPS Volatility (σ/μ) 0.56
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.0 of 2 gurus held; 2 full exits.
- Holders
- 0 -2
- Avg Δ position
- —
- New buys
- 0
- Full exits
- 2