AX
Axos Financial, Inc. Common Stock
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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Axos Financial (AX) Stock: Buy, Sell, or Hold?
$91.29
-0.46 (-0.50%)
âŧ
5d:
-1.27%
30d:
+5.43%
90d:
-10.64%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (72%)
Quality Score
39/100
Position
FAIR
30-Day Fair Range
$88.40 â $92.92
Position: FAIR
Forward P/E & Valuation
9.6x
FAIR
vs 9.7x historical avg
Wall Street Target
$117.71
+28.3% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$90.04 / $98.00
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: AX is fairly priced but lacks strong directional signals. At -0.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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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
0.6% Margin of Safety
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 $91.29, which is considered fair relative to its 30-day fair value range of $88.40 to $92.92. The stock's valuation (Forward PE: 9.6) is in line with its historical norms (9.7). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% over the next few years. This pessimistic expectation contrasts with the company's recent 16.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, AX is in a strong downtrend. The price is currently testing key support at $90.04. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 47/100 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 $117.71 (+28.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, AX is in a strong downtrend. The price is currently testing key support at $90.04. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 47/100 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 $117.71 (+28.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$88.40 -
$92.92
Company Quality Score
39/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
72.4%
Trading Range & Key Levels
30-Day Trading Range
$88.40 -
$92.92
Current vs Trading Range
FAIR
Support Level
$90.04
Resistance Level
$98.00
Current Trend
Strong Downtrend
Technical data as of
Nov 12, 2026
Quantitative Signal Breakdown
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (47/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 28.3% below Wall St target ($117.71)
- WARNING: Composite score 39/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
9.55
Wall Street Target
$117.71
(+28.3%)
Revenue Growth (YoY)
21.0%
Earnings Growth (YoY)
16.0%
Profit Margin
35.2%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
9.6 vs 9.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$91.38
(0%)
2-Year Target
$91.02
(-1%)
3-Year Target
$90.65
(-1%)
3-Yr Target (if PE normalizes)
(PE: 10â10)
$92.12
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 15.5%)
$294.49
(+221%)
Base:
(SPY PE: 9.5, Growth: 15.5%)
$141.55
(+54%)
Bear:
(PE: 8.1, Growth: 15.5%)
$120.32
(+31%)
đ
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: 10.71 | Current EPS (TTM): $8.61
Bull Case
$113.18
(+23%)
Analyst growth 11.6%, PE expands to 11.8
Base Case
$102.89
(+12%)
Market implied 11.6%, PE stable at 10.7
Bear Case
$62.68
(-32%)
Severe decline -20.0%, PE contracts to 9.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.5 to 9.7
Stabilization Target:
$93.23
(+1.6%)
PE Expansion Potential:
+1.6%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (AX)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 29, 2026
Daily AI digest
AI Retail Discussion Summary:
Investor $UserName is bullish on $AX ahead of earnings report, citing a strong earnings beat record in recent quarters.
Key Retail Themes:
Earnings reports
Beat expectation
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 3:57 PM ET
Data refreshes hourly during market hours. Next update: 4:57 PM
Data refreshes hourly during market hours. Next update: 4:57 PM
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Technical Signals Check
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Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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