Axos Financial, Inc. — Earnings Quality Grade A
AX · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 69 days, change -6 days YoY
AR growth 6.6% vs revenue growth 15.7%
Revenue 15.7%, CFFO 60.5%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 50.8% is >2x revenue growth 15.7%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.13. Profits backed by cash
FCF $0.4B, FCF/NI = 1.01
Accruals ratio = -0.2%. Low accruals
Cash $1.9B covers debt $0.4B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 6% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -5% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Axos Financial, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25