AXAxos Financial, Inc.
Savings Institution, Federally Chartered
- Revenue
- $81M
- 24% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$1.3B net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear114% of net incomeCash flow under 80% of net income
- Dilutive SBCFired54% of revenueOver 10% of revenue
- Payouts exceed cash flowClear4% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $59M | $65M | $65M | $66M | $81M | 24% |
| Net income | $241M | $307M | $450M | $433M | $490M | 13% |
| Operating cash flow | $217M | $197M | $305M | $490M | $558M | 14% |
| Capex | $22M | $30M | $36M | $54M | $266M | 391% |
| Stock-based comp | $21M | $26M | $35M | $42M | $44M | 5.4% |
| Buybacks | $0 | $49M | $96M | $58M | $22M | 62% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2026 | $12M | $24M | 210 | 144 |
| FY2025 | $12M | $23M | 164 | 113 |
| FY2024 | $14M | $19M | 123 | 93 |
| FY2023 | $11M | $6M | 85 | 78 |
| FY2022 | $14M | $8M | 77 | 94 |