Axos Financial, Inc. Stock 12‑Month Price Target Cut to $117, Implies 26% Upside

Axos Financial, Inc.'s average stock price target was reduced from $117.71 to $117 by 7 analysts, with a range of $110 to $128. This implies a 26% upside from the Oct. 29 closing price. The consensus rating remains 'Buy' with 6 Buys, 1 Hold, and 0 Sells.

Original reporting
Published Oct 30, 2026, 10:20 AM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Oct 30, 2026, 10:32 AM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
Axos Financial, Inc. Stock 12‑Month Price Target Cut to $117, Implies 26% Upside — source image
Decision brief

The 30-second read

$AXNeutralLow
01

Why it matters

A modest price‑target reduction signals a slight downgrade in growth expectations, but the stock still shows a notable upside from current levels.

02

Market read

The target adjustment provides a small, short‑term trading signal for AX, with limited broader market impact.

03

What to watch

Potential upcoming earnings or regulatory news could quickly shift sentiment.

Relevance 4/10Novelty 5/10Timing: post‑market today

Background

Axos Financial is a U.S. online bank whose valuation is closely watched by analysts covering fintech and regional banking stocks.

Company-level read

Ticker impact

$AXNeutralMedium confidence
Context

Analysts lowered the average price target for Axos Financial to $117, down from $117.71, indicating a modest upside of about 26% from the recent close.

Expected impact

potential modest pressure as the market prices in the lower target

Evidence & confidence

Target cuts are a common catalyst for short‑term price adjustments, but the change is minimal and the upside remains sizable.

Market effects

Minor impact on regional banks and fintech peers as analysts reassess valuation multiples.

Limited to U.S. small‑cap financials.

Low

Counterpoint

The target cut is marginal; the remaining upside may still attract buyers.

Key entities

  • Axos Financial, Inc.

    U.S. online bank (NASDAQ: AX)

Related articles

$AXHighAI 8/10

Axos Financial (AX) Q1 2027 Earnings Call Transcript

Axos Financial (AX) reported Q1 2027 earnings with net income up 15.4% YoY to $129.6M, EPS at $2.25. Key highlights: $1.8B deposit acquisition, 4.2% QoQ net interest income growth, and strong loan demand. Non-interest income rose 3.1% QoQ to $63.8M. The company repurchased $14M in stock and expects mid-teens loan growth in 2027.

$AXMed

What Axos Financial (AX) Said on Its Q1 Earnings Call

Axos Financial (AX) reported Q1 earnings, noting a $700M cash drag from Capital One acquisition. Net interest income is expected to grow, but margins will stay flat. Deposits rose 14% YoY to $25.4B, while loans increased $316.6M QoQ. Non-interest income surged 97% YoY to $63.8M, driven by acquisitions. The company plans to introduce Bitcoin trading in March 2027. Net charge-offs rose due to two nonperforming C&I loans.

$AXMedAI 8/10

Axos Financial Inc (AX) (Q1 2027) Earnings Call Highlights: Double-Digit Profit Growth

Axos Financial Inc (AX) reported Q1 2027 earnings with net interest income up 13.8% YoY, non-interest income surging 97% to $63.8M, and diluted EPS increasing 16% to $2.25. Loan pipeline remains strong at $2.8B, but net charge-offs rose to 109 basis points due to isolated commercial loan charge-offs. Management expects flat net interest margins and elevated non-interest expenses due to competitive deposit environment.

$AXMedAI 8/10

Axos Financial: Fiscal Q1 Earnings Snapshot

Axos Financial (AX) reported fiscal Q1 net income of $129.6M, or $2.25 per share, with adjusted EPS of $2.34. Revenue was $580.9M, adjusted revenue $395.1M, both exceeding analyst estimates. Shares are up 7% YTD and 17% over 12 months, closing at $92.48.

$AXMedAI 8/10

Axos Financial’s (NYSE:AX) Q3 2026 sales top estimates

Axos Financial (NYSE:AX) reported Q3 2026 revenue of $395.1M, up 22.2% YoY and 2.2% above estimates. Non-GAAP EPS was $2.34, 3.7% above consensus. Net interest income grew 13.8% YoY. CEO Garrabrants highlighted loan growth and a solid pipeline. TBVPS grew 15.3% YoY but missed estimates. Shares were flat post-earnings.