Analyst Ratings

Date	Action	Analyst	Rating	Target
Apr-07-26	Upgrade	Raymond James	Outperform → Strong Buy
Jan-30-26	Reiterated	Needham	Buy	$107 → $110
Jan-30-26	Reiterated	DA Davidson	Buy	$108 → $112
Dec-08-25	Reiterated	DA Davidson	Buy	$106 → $108
Oct-31-25	Reiterated	Needham	Buy	$105 → $107
Sep-29-25	Reiterated	Needham	Buy	$85 → $105
Sep-24-25	Reiterated	DA Davidson	Buy	$106
Oct-31-24	Reiterated	Needham	Buy	$82 → $85
Oct-11-24	Reiterated	Needham		$82
Sep-24-24	Reiterated	Wedbush	Neutral	$75

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 6/30/2025	FY 2024 6/30/2024	FY 2023 6/30/2023
Total Revenue	2,100	1,929	1,768	Upgrade your experience to unlock full historical data
Cost of Goods Sold Incl. D&A	789	743	727
Gross Profit	1,311	1,186	1,041
Selling, General and Administrative Excl. Other	358	408	348
Research and Development	0	0	0
Other Operating Expense	306	165	57
Operating Income	647	613	635
Interest Expense	691	688	694
Unusual Expense	—	—	—
Non-Operating Income (Expense)	0	0	0
Net Income Before Taxes	647	613	635
Income Taxes	171	180	185
Consolidated Net Income	476	433	450
Net Income From Continuing Operations	476	433	450
Net Income	476	433	450
EPS (Recurring)	8.42	7.61	7.82
EPS (Basic, Before Extraordinaries)	8.42	7.61	7.82
EPS (Diluted)	8.23	7.43	7.66
EBITDA	708	642	663
Other After Tax Adjustments	—	—	—
Stock Option Compensation Expense	—	—	—
Price To Earnings Ratio	10.70	10.23	—
Price To Sales Ratio	2.39	2.25	—
Gross Margin	62.43	61.48	58.88
Operating Margin	30.81	31.78	35.92
Net Margin	22.67	22.45	25.45
Shares Outstanding	57	57	58
Market Capitalization	5,020	4,334	—
Operating Lease Expense	—	—	—

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Constantine Thomas M	other: EVP, Chief Credit Officer	Jun 08 '26	Sale	88.55	1,994	176,575	16,195	Jun 09 12:00 AM
Watson Michael James	other: EVP, Head of Axos Securities	May 19 '26	Sale	83.77	1,653	138,470	4,592	May 21 12:00 AM
Santi Roque A	Director	May 08 '26	Sale	87.77	500	43,885	7,646	May 12 12:00 AM
Constantine Thomas M	EVP, Chief Credit Officer	Mar 20 '26	Option Exercise	41.47	2,248	93,213	18,795	Mar 24 12:00 AM
Bar-Adon Eshel	EVP Strategic Partnerships an	Mar 20 '26	Option Exercise	41.47	2,196	91,057	129,970	Mar 24 12:00 AM
Watson Michael James	EVP, Head of Axos Securities	Mar 20 '26	Option Exercise	41.47	1,966	81,520	10,659	Mar 24 12:00 AM
Walsh Derrick	EVP, Chief Financial Officer	Mar 20 '26	Option Exercise	41.47	2,720	112,785	178,835	Mar 24 12:00 AM
Tolla John Charles	EVP, Chief Risk Officer	Mar 20 '26	Option Exercise	41.47	8,240	341,672	31,515	Mar 24 12:00 AM
THIELE CANDACE L	EVP, Chief Administrative Offi	Mar 20 '26	Option Exercise	41.47	888	36,821	4,541	Mar 24 12:00 AM
Swanson Brian D	President, Consumer Bank	Mar 20 '26	Option Exercise	41.47	8,240	341,672	60,244	Mar 24 12:00 AM
MATSUMOTO RAYMOND D	EVP, Chief Operating Officer	Mar 20 '26	Option Exercise	41.47	3,242	134,430	42,507	Mar 24 12:00 AM
GILL ANN	SVP, Chief Accounting Officer	Mar 20 '26	Option Exercise	41.47	1,202	49,841	10,904	Mar 24 12:00 AM
Crow David M	EVP, Head of Clearing	Mar 20 '26	Option Exercise	41.47	1,166	48,348	4,772	Mar 24 12:00 AM
MATSUMOTO RAYMOND D	other: EVP, Chief Operating Officer	Mar 15 '26	Option Exercise	42.34	8,860	375,132	43,339	Mar 16 12:00 AM
GILL ANN	other: SVP, Chief Accounting Officer	Mar 15 '26	Option Exercise	42.34	2,896	122,617	11,160	Mar 16 12:00 AM


Market Cap	5.00B	Forward P/E	9.11	EPS next Y	9.67	Insider Trans	0.03%	Shs Float	-	Perf Month	5.30%


Enterprise Value	6.65B	PEG	0.83	EPS next Q	2.17	Inst Own	-	Short Float	-	Perf Quarter	6.08%


Income	478.45M	P/S	2.38	EPS this Y	3.40%	Inst Trans	-	Short Ratio	-	Perf Half Y	2.17%


Sales	2.10B	P/B	1.62	EPS next Y	13.63%	ROA	1.63%	Short Interest	-	Perf YTD	2.22%


Book/sh	53.89	P/C	11.11	EPS next 5Y	12.39%	ROE	16.60%	52W High	101.92 -13.59%	Perf Year	26.21%


Cash/sh	27.58	P/FCF	11.74	EPS past 3/5Y	-	ROIC	7.30%	52W Low	69.25 27.18%	Perf 3Y	-


Dividend Est.	-	EV/EBITDA	9.40	Sales past 3/5Y	36.53% 21.85%	Gross Margin	62.42%	Volatility	1.84% 1.80%	Perf 5Y	-


Dividend TTM	-	EV/Sales	3.17	EPS Y/Y TTM	5.35%	Oper. Margin	30.78%	ATR (14)	2.36	Perf 10Y	-


Dividend Ex-Date	-	Quick Ratio	0.09	Sales Y/Y TTM	18.78%	Profit Margin	22.67%	RSI (14)	49.90	Recom	1.67


Dividend Gr. 3/5Y	-	Current Ratio	0.09	EPS Q/Q	23.63%	SMA20	0.41%	Beta	1.08	Target Price	111.00


Payout	0.00%	Debt/Eq	0.92	Sales Q/Q	22.08%	SMA50	-1.86%	Rel Volume	2.42	Prev Close	87.98


Employees	1,781	LT Debt/Eq	0.14	Earnings	Jul 29	SMA200	0.39%	Avg Volume	391.02K	Price	88.07


IPO Date	Mar 16, 2005	Option/Short	Yes / Yes	EPS/Sales Surpr.	8.70% 10.95%	Net Debt/EBITDA	2.33	Volume	945,574	Change	0.10%

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