Axos Financial (AX) Stock: Buy, Sell, or Hold?
AX - Axos Financial, Inc. Common Stock
$93.26
-0.46 (-0.49%)
▼
5d:
-3.9%
30d:
-6.86%
90d:
+4.46%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 29, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: AX shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: AX shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$147.95
Based on 9.8% avg growth
INTRINSIC VALUE TODAY
$91.86
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: AX is currently trading at $93.26, which is considered oversold relative to its 30-day fair value range of $95.25 to $100.47. The stock's valuation (Forward PE: 9.7) is in line with its historical norms (9.7). Remarkably, the market is currently pricing in an annual earnings decline of 0.1% over the next few years. This pessimistic expectation contrasts with the company's recent 12.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, AX is in a uptrend. The price is currently testing key support at $91.47. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $119.14 (+27.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, AX is in a uptrend. The price is currently testing key support at $91.47. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $119.14 (+27.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$95.25 -
$100.47
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (50/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 27.8% below Wall St target ($119.14)
- NEUTRAL: Bottoming setup forming (50/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$95.25 -
$100.47
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$91.47
Resistance Level
$98.40
Current Trend
Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.70
Wall Street Target
$119.14
(+27.8%)
Revenue Growth (YoY)
18.1%
Earnings Growth (YoY)
12.4%
Profit Margin
35.5%
Valuation Discount vs History
-0.1% cheaper
PE vs Historical
9.7 vs 9.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.1%
(market-implied from PE analysis)
1-Year Target
$93.17
(0%)
2-Year Target
$93.07
(0%)
3-Year Target
$92.98
(0%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$92.95
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 15.5%)
$299.09
(+221%)
Base:
(SPY PE: 9.7, Growth: 15.5%)
$143.88
(+54%)
Bear:
(PE: 8.2, Growth: 15.5%)
$122.30
(+31%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.00 | Current EPS (TTM): $8.52
Bull Case
$116.30
(+25%)
Analyst growth 12.8%, PE expands to 12.1
Base Case
$105.73
(+13%)
Market implied 12.8%, PE stable at 11.0
Bear Case
$63.73
(-32%)
Severe decline -20.0%, PE contracts to 9.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 13, 2026 4:54 AM ET
Data refreshes hourly during market hours. Next update: 5:54 AM
Data refreshes hourly during market hours. Next update: 5:54 AM
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Technical Signals Check
Is AX showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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