아크스파이낸셜(AX) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

Q: What kind of company is 아크스파이낸셜(AX)?

아크스파이낸셜(AX) belongs to the Financial sector and operates in the Banks - Regional industry.

Q: What is the market cap of AX?

The market cap of AX is approximately $5.5B, ranking 1,342 within its sector.

Q: What is the P/E ratio of AX?

AX has a P/E ratio of approximately 11.6x, which can be used to assess its valuation relative to the Financial sector average.

Q: What is the 52-week high and low for AX?

AX has recorded a 52-week high of $102.18 and a low of $74.89.

Axos Financial Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$95.88

+0.05 ▲ +0.05%

🌙 7월 27일 7:46 PM ET (한국 7/28 08:46)

$95.88

+0.00 +0.00%

아크스파이낸셜(AX) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$5.5B

스몰캡

P/E

11.6

저평가 구간

배당수익률

없음

52주 위치

77%

저점 +28% · 고점 -6%

애널리스트

적극 매수

B-

Fundamental health

vs. Banks - Regional 중형주

수익성

Top 41%

성장

Top 31%

밸류에이션

Top 46%

재무 안정

Top 61%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 11원. Over the past 5년, it usually traded around 10원. On the pricier side versus its own history.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	RUT	P/E ⓘ	11.64	EPS (ttm) ⓘ	8.24	Insider Own ⓘ	4.49%	Shs Outstand ⓘ	56.9M	Perf Week ⓘ	-1.75%
Market Cap ⓘ	5.45B	Forward P/E ⓘ	9.98	EPS next Y ⓘ	13.5%	Insider Trans ⓘ	-2.63%	Shs Float ⓘ	54.3M	Perf Month ⓘ	0.57%
Enterprise Value ⓘ	-	PEG ⓘ	0.78	EPS next Q ⓘ	2.16	Inst Own ⓘ	84.51%	Short Float ⓘ	5.65%	Perf Quarter ⓘ	0.4%
Income ⓘ	0.48B	P/S ⓘ	2.58	EPS this Y ⓘ	13.97%	Inst Trans ⓘ	2.64%	Short Ratio ⓘ	7.4	Perf Half Y ⓘ	4.5%
Sales ⓘ	2.11B	P/B ⓘ	1.78	EPS next 5Y ⓘ	12.75%	ROA ⓘ	1.79%	Short Interest ⓘ	3.07M	Perf YTD ⓘ	11.28%
Book/sh ⓘ	53.89	P/C ⓘ	-	EPS past 3/5Y ⓘ	23.24% 20.05%	ROE ⓘ	16.8%	52W High ⓘ	-6.17% ($102.18)	Perf Year ⓘ	13.17%
Cash/sh ⓘ	-	P/FCF ⓘ	20.74	Sales past 3/5Y ⓘ	35.94% 22.02%	ROIC ⓘ	8.09%	52W Low ⓘ	28.03% ($74.89)	Perf 3Y ⓘ	106.86%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	12.29%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	2.07% 2.44%	Perf 5Y ⓘ	103.91%
Dividend TTM ⓘ	-	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	8.53%	Oper. Margin ⓘ	30.59%	ATR (14) ⓘ	2.34	Perf 10Y ⓘ	466%
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	18.72%	Profit Margin ⓘ	22.53%	RSI (14) ⓘ	50.76	Recom ⓘ	1.29
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	0.47	Sales Q/Q ⓘ	21.05%	SMA20 ⓘ	-1.78% ($97.62)	Beta ⓘ	1.23	Target Price ⓘ	$110.86
Payout ⓘ	-	Debt/Eq ⓘ	0.97	Earnings ⓘ	2026/7/30	SMA50 ⓘ	4.37% ($91.87)	Rel Volume ⓘ	0.86	Prev Close ⓘ	$95.83
Employees ⓘ	1989	LT Debt/Eq ⓘ	0.92	EPS/Sales Surpr. ⓘ	-0.77% 5.3%	SMA200 ⓘ	8.01% ($88.77)	Avg Volume(3M) ⓘ	0.41M	Price ⓘ	$95.88
IPO ⓘ	2005/3/15	Option/Short ⓘ	Yes/Yes			Trades ⓘ	4641	Volume ⓘ	357,446	Change ⓘ	0.05%

Quarterly earnings trend SEC filings · USD

24.6*

24.9

24.12

25.3

25.6*

25.9

25.12

26.3

Revenue Net income 최근 분기: 매출 $478M (YoY +11%) · 순이익 $125M (YoY +19%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Axos Financial Inc (AX) Investment Analysis

What kind of company is Axos Financial Inc?

아크스파이낸셜(AX) 경기민감주

Financial · Banks - Regional

#1342 by Market Cap — Mid-Cap

🏦 A U.S. digital bank holding company that operates primarily online with no physical branches. Rather than relying on a branch network, it runs an efficient banking business that takes deposits and extends loans, along with a securities clearing business, all centered on its online platform. Its performance is closely tied to loan growth, net interest margin, and credit costs, making it a regional bank stock.

Learn more about Axos Financial Inc →

Market Cap

$5.5B

Approx. KRW 7.5 trillion

⚖️ 2% of Samsung Electronics

Market Cap Rank1342

Employees1,989people

IPO2005/03/15

Current Price$95.88 ≈ 131,356원

📌 RUT · NYSE · USA

Key Events

⏰ Upcoming events

🔔 Earnings release D-2

7월 30일 (목) · 장 마감 후

예상 매출 - · EPS $2.16

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 4월 30일 (목) · 장 마감 후 EPS -0.8% 매출 +5.3%

Is it profitable?

Profitable but financially weak

High debt load may weigh on results in a downturn

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

30.6%

✓ 양호

My positionMid-range

Low range Average High range

Banks - Regional 중형주 Median 27.0% · Top 32%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

22.5%

✓ 양호

My positionMid-range

Low range Average High range

Banks - Regional 중형주 Median 21.0% · Top 39%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

16.8%

✓ 양호

My positionMid-range

Low range Average High range

Financial 중형주 Median 12.1% · Top 34%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

1.8%

✓ 양호

My positionMid-range

Low range Average High range

Financial 중형주 Median 1.5% · Top 48%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

8.1%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 8.4% · Bottom 47%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.97

✓ Average

My positionMid-range

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.47

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook

Price targets, growth, and valuation are favorable

애널리스트 목표가

$110.86

현재가 대비 +15.6%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

9.98배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

PEG (성장 반영 밸류)

0.78

저평가

💡 PEG < 1 — 성장 대비 저렴

내년 EPS 예상 성장률

+13.5%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

5년 EPS 예상 연평균

+12.8%

💡 장기 성장 전망. 15% 이상이면 고성장 기업

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Volatility

Frequently misses analyst estimates

예상 상회

예상 부합

예상 하회

상회 비율

-10.8%

평균 서프라이즈

2026.04.30

하회

실적 $1.90 · 예상 $2.13 -10.8%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+14.0%

양호

My positionMid-range

Low range Average High range

경기민감주 중형주 Median 10.0% · Top 46%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+13.5%

평균

My positionMid-range

Low range Average High range

경기민감주 중형주 Median 14.3% · Bottom 46%

5-Year EPS CAGR Outlook

Projected average annual EPS growth over the next 5 years

+12.8%

우수

My positionTop 25%

Low range Average High range

경기민감주 중형주 Median 7.8% · Top 22%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+23.2%

우수

My positionTop 25%

Low range Average High range

경기민감주 중형주 Median 2.5% · Top 23%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+20.1%

양호

My positionMid-range

Low range Average High range

경기민감주 중형주 Median 13.4% · Top 35%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+22.0%

우수

My positionTop 25%

Low range Average High range

경기민감주 중형주 Median 8.5% · Top 11%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+21.1%

우수

My positionTop 25%

Low range Average High range

경기민감주 중형주 Median 4.8% · Top 24%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Outperformed the market by 36%p over 5 years

AX +103.9% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

+35.6%p

well ahead of the market

1-year basis

vs S&P 500

-2.8%p

roughly in line with the market

Rank among peers

5-year return Top 19% Based on 77 peers

1-year return Lower-Mid (lower 26%) Based on 78 peers

Current position within 52-week range

Low (-28.0%p) High (-6.2%p)

Current price is 28.0% above the 52-week low and 6.2% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-19.0%

Annualized volatility

34.2%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴

Current diagnosis · 2026-07-27

Downtrend zone

Current price $95.88 below the midline ($97.62). Normal downward flow. Inside the Ichimoku cloud (neutral).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-27

Neutral zone — weak trend

MACD 1.093 · Signal 1.735 · Hist -0.642. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 50.8 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 21.2.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Sales, Pricey on Vs. Assets·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Pricey

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Pricey

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

11.64x

✓ Very cheap

My positionTop 25%

Low range Average High range

Banks - Regional 중형주 median 13.04x · Top 23% — relatively cheap within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

9.98x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Regional 중형주 median 10.67x · Around the industry average

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.78x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 중형주 median 1.29x · Bottom 19% — expensive within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

2.58x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Regional 중형주 median 2.67x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

20.74x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 중형주 median 12.58x · Bottom 3% — expensive within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$110.86 vs. current price +15.6%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 중형주

Who owns it?

Ownership is broadly stable

Insider modest net selling -2.6% · Institutional net buying +2.6% · Short interest moderate 5.7% · Short interest up +1.1pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-2.6%

Insiders net selling

🏦 Institutions (funds & investors)

+2.6%

Institutions net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 84.5%

Institution-led, stable structure

Financial 중형주 Median 76.4%

🧑‍💼 Insiders 4.5%

Typical level

Financial 중형주 Median 3.1%

👤 Retail investors (estimated) 11.0%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

5.7%

Moderate

Financial 중형주 Median 5.1%

Past 90 days 📈 +1.1%p increase

Short interest days to cover

7.4 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 56.9M주

Float (tradable shares) 54.3M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding AX

ETFs with the highest weightings · 10 total shown

ORR

Militia Long/Short Equity ETF

Allspring SMID Core ETF

1.88%

$148M

ALIL

Argent Focused Small Cap ETF

1.76%

$25M

DBSC

Deepwater Beachfront Small Cap ETF

1.28%

$5M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
AX This Stock	$5.5B	11.6 ▲	1.8 ▼	16.8% ▲	-	+0.1%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

Derivative ETFs for AX

Leveraged, inverse, and covered call ETFs based on the underlying asset

5 derivative ETFs based on AX (Leverage 5)

These are based on the same underlying asset but carry a completely different risk and return profile. Please review the warning below first.

ℹ️ What is a Derivative ETF?

These are special ETFs that amplify, reverse, or monetize the price movement of an underlying ETF or security. Leveraged ETFs aim for 2–3× the daily move, Inverse ETFs target opposite-direction returns, and Covered Call ETFs generate monthly income from option premiums.

⚠️ Caution: Long-Term Holding

Leveraged and inverse ETFs track only the daily return. With high volatility, holding them for longer periods causes cumulative volatility decay—returns diverge further from the underlying index. They are meant for short-term trading.

📈 Leverage 5 ETFs that move 2-3x with AX (high volatility)