Axos Financial, Inc. AX NYSE

Axos Financial, Inc. (AX) generated $490.33M in operating cash flow for fiscal year 2025. After capital expenditures of $54.21M, free cash flow was $436.12M.

Free cash flow margin was 22.6% of revenue. Cash conversion ratio was 1.13x, indicating earnings are backed by cash.

The company returned $58.2M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (33/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (59/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (85/100) — Cash conversion ratio was 1.13x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 74/100 with 4/7 criteria passed.