Axos Financial (AX) Interest Coverage Ratio: History & Chart

Axos Financial, Inc. (AX)AXAxos Financial, Inc.

About Axos Financial, Inc.

Founded in Las Vegas, Nevada, in 1999, Axos Financial, Inc. is a U.S.-based financial institution that delivers a comprehensive array of banking services to both individual consumers and businesses. The company operates through two primary divisions: its core Banking Business and its Securities Business. For deposits, Axos provides a broad spectrum of options including checking, savings, demand, money market, and time deposit accounts, alongside specialized products such as zero balance and insured cash sweep accounts. Its diverse lending portfolio encompasses various mortgage types, such as single-family, multi-family, and commercial real estate-backed loans. They also extend commercial and industrial loans, comprising non-real estate, asset-backed, term loans, and lines of credit. Consumer lending encompasses automobile loans, fixed-rate unsecured loans, and unique offerings such as structured settlements, Small Business Administration (SBA) loans, and securities-backed financing. Beyond its core banking activities, Axos provides extensive services, including ACH origination, wire transfers, commercial check printing, and tools for business bill payment and account transfers. Digital solutions such as remote and mobile deposit, lockbox services, merchant payment processing, and online payment portals are readily available. Clients benefit from concierge banking, mobile and text message banking, diverse payment services, and access to debit cards, credit cards, and digital wallets. In its Securities Business, Axos facilitates disclosed clearing services and comprehensive back-office support. This encompasses record keeping, trade reporting, accounting, general administrative support, securities and margin lending, reorganization assistance, and the secure custody of securities. The company also offers financing solutions to its brokerage clients. The institution, previously known as BofI Holding, Inc., adopted its current name, Axos Financial, Inc., in September 2018.

Las Vegas, NV

1,989 employees

investors.axosfinancial.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Gregory Garrabrants

View full financials

AX Interest Coverage Ratio Metrics

INTEREST COVERAGE RATIO

0.86x

INTEREST COVERAGE RATIO AVG TTM

0.92x

INTEREST COVERAGE RATIO AVG 3Y

0.87x

INTEREST COVERAGE RATIO AVG 5Y

1.01x

INTEREST COVERAGE RATIO AVG 10Y

1.95x

INTEREST COVERAGE RATIO AVG 15Y

2.12x

INTEREST COVERAGE RATIO AVG 20Y

1.70x

CURRENT VS TTM AVG

-6.53%

CURRENT VS 3Y AVG

-0.92%

CURRENT VS 5Y AVG

-14.87%

CURRENT VS 10Y AVG

-55.82%

CURRENT VS 15Y AVG

-59.43%

CURRENT VS 20Y AVG

-49.46%

SECTOR MEDIAN · FINANCIAL SERVICES

5.21x

median of 92 covered companies

CURRENT VS SECTOR MEDIAN

-83.48%

vs the sector median at left

NAME	MARKET CAP	INTEREST COVERAGE RATIO	TTM	3Y	5Y
Axos Financial, Inc. (AX)	$5.69B	0.86x	0.92x	0.87x	1.01x
Main Street Capital Corporation (MAIN)vs ›	$5.48B	4.06x	4.21x	4.05x	3.78x
Kinsale Capital Group, Inc. (KNSL)vs ›	$8.51B	59.58x	55.19x	48.33x	163.49x
Nuveen Quality Municipal Income Fund (NAD)vs ›	$2.78B	1.95x	4.25x	3.37x	5.68x
Hut 8 Corp. (HUT)vs ›	$9.97B	-10.55x	7.92x	7.92x	5.69x
Lufax Holding Ltd (LU)vs ›	$1.30B	-0.46x	2.08x	2.33x	3.20x
FactSet Research Systems Inc. (FDS)vs ›	$10.16B	13.29x	11.97x	11.69x	24.88x
Washington Trust Bancorp, Inc. (WASH)vs ›	$740.70M	0.41x	0.41x	1.04x	2.23x
BlackRock Multi-Sector Income Trust (BIT)vs ›	$702.44M	5.20x	4.53x	3.88x	12.12x
Bitmine Immersion Technologies, Inc. (BMNR)vs ›	$10.72B	1813.11x	1813.11x	1813.11x	1813.11x

NAME

MARKET CAP

INTEREST COVERAGE RATIO

TTM

Axos Financial, Inc. (AX)

$5.69B

0.86x

0.92x

0.87x

1.01x

Main Street Capital Corporation (MAIN)vs ›

$5.48B

4.06x

4.21x

4.05x

3.78x

Kinsale Capital Group, Inc. (KNSL)vs ›

$8.51B

59.58x

55.19x

48.33x

163.49x

Nuveen Quality Municipal Income Fund (NAD)vs ›

$2.78B

1.95x

4.25x

3.37x

5.68x

Hut 8 Corp. (HUT)vs ›

$9.97B

-10.55x

7.92x

5.69x

Lufax Holding Ltd (LU)vs ›

$1.30B

-0.46x

2.08x

2.33x

3.20x

FactSet Research Systems Inc. (FDS)vs ›

$10.16B

13.29x

11.97x

11.69x

24.88x

Washington Trust Bancorp, Inc. (WASH)vs ›

$740.70M

0.41x

1.04x

2.23x

BlackRock Multi-Sector Income Trust (BIT)vs ›

$702.44M

5.20x

4.53x

3.88x

12.12x

Bitmine Immersion Technologies, Inc. (BMNR)vs ›

$10.72B

1813.11x

Interest Coverage Ratio FAQ

What is the interest coverage ratio for Axos Financial, Inc. (AX)?

The interest coverage ratio for AX stock is 0.86x.

Is Axos Financial, Inc.'s interest coverage ratio high or low?

The interest coverage ratio of 0.86x is 63% below its 5-year average of 2.31x, near the low end of its 5-year range (0.75x–8.17x).

What is the TTM average interest coverage ratio for Axos Financial, Inc. (AX)?

The TTM average interest coverage ratio for AX stock is 0.92x.

What is the 3Y average interest coverage ratio for Axos Financial, Inc. (AX)?

The 3Y average interest coverage ratio for AX stock is 0.87x.

What is the 5Y average interest coverage ratio for Axos Financial, Inc. (AX)?

The 5Y average interest coverage ratio for AX stock is 1.01x.

What is the 10Y average interest coverage ratio for Axos Financial, Inc. (AX)?

The 10Y average interest coverage ratio for AX stock is 1.95x.

What is the 15Y average interest coverage ratio for Axos Financial, Inc. (AX)?

The 15Y average interest coverage ratio for AX stock is 2.12x.

What is the 20Y average interest coverage ratio for Axos Financial, Inc. (AX)?

The 20Y average interest coverage ratio for AX stock is 1.70x.

DATE	INTEREST COVERAGE RATIO
2026-06-30	0.86x
2026-03-31	0.96x
2025-12-31	0.96x
2025-09-30	0.86x
2025-06-30	0.96x
2025-03-31	0.94x
2024-12-31	0.85x
2024-09-30	0.83x
2024-06-30	0.75x
2024-03-31	0.85x
2023-12-31	1.31x
2023-09-30	0.77x
2023-06-30	0.82x
2023-03-31	1.06x
2022-12-31	1.47x
2022-09-30	1.91x
2022-06-30	4.36x
2022-03-31	8.17x
2021-12-31	7.50x
2021-09-30	7.28x
2021-06-30	4.94x
2021-03-31	3.80x
2020-12-31	3.69x
2020-09-30	3.36x
2020-06-30	2.53x
2020-03-31	2.19x
2019-12-31	1.50x
2019-09-30	1.32x
2019-06-30	1.34x
2019-03-31	1.36x
2018-12-31	1.39x
2018-09-30	1.35x
2018-06-30	1.58x
2018-03-31	2.76x
2017-12-31	2.40x
2017-09-30	2.39x
2017-06-30	2.79x
2017-03-31	3.88x
2016-12-31	3.10x
2016-09-30	2.81x
2016-06-30	3.00x
2016-03-31	4.17x
2015-12-31	3.80x
2015-09-30	3.60x
2015-06-30	3.42x
2015-03-31	2.92x
2014-12-31	3.01x
2014-09-30	3.04x
2014-06-30	2.82x
2014-03-31	2.62x
2013-12-31	2.63x
2013-09-30	2.44x
2013-06-30	2.25x
2013-03-31	2.08x
2012-12-31	1.91x
2012-09-30	1.78x
2012-06-30	1.72x
2012-03-31	1.44x
2011-12-31	1.18x
2011-09-30	1.13x
2011-06-30	1.04x
2011-03-31	1.00x
2010-12-31	0.97x
2010-09-30	0.95x
2010-06-30	0.92x
2010-03-31	1.43x
2009-12-31	1.08x
2009-09-30	0.68x
2009-06-30	0.66x
2009-03-31	0.44x
2008-12-31	0.43x
2008-09-30	-0.27x
2008-06-30	0.26x
2008-03-31	0.15x
2007-12-31	0.09x
2007-09-30	0.12x
2007-06-30	0.16x
2007-03-31	0.18x
2006-12-31	0.16x
2006-09-30	0.17x
2006-06-30	0.21x
2006-03-31	0.24x
2005-12-31	0.23x
2005-09-30	0.30x
2005-06-30	0.34x
2005-03-31	0.40x
2004-12-31	0.33x

DATE

INTEREST COVERAGE RATIO

2026-06-30

0.86x

2026-03-31

0.96x

2025-12-31

0.96x

2025-09-30

0.86x

2025-06-30

0.96x

2025-03-31

0.94x

2024-12-31

0.85x

2024-09-30

0.83x

2024-06-30

0.75x

2024-03-31

0.85x

2023-12-31

1.31x

2023-09-30

0.77x

2023-06-30

0.82x

2023-03-31

1.06x

2022-12-31

1.47x

2022-09-30

1.91x

2022-06-30

4.36x

2022-03-31

8.17x

2021-12-31

7.50x

2021-09-30

7.28x

2021-06-30

4.94x

2021-03-31

3.80x

2020-12-31

3.69x

2020-09-30

3.36x

2020-06-30

2.53x

2020-03-31

2.19x

2019-12-31

1.50x

2019-09-30

1.32x

2019-06-30

1.34x

2019-03-31

1.36x

2018-12-31

1.39x

2018-09-30

1.35x

2018-06-30

1.58x

2018-03-31

2.76x

2017-12-31

2.40x

2017-09-30

2.39x

2017-06-30

2.79x

2017-03-31

3.88x

2016-12-31

3.10x

2016-09-30

2.81x

2016-06-30

3.00x

2016-03-31

4.17x

2015-12-31

3.80x

2015-09-30

3.60x

2015-06-30

3.42x

2015-03-31

2.92x

2014-12-31

3.01x

2014-09-30

3.04x

2014-06-30

2.82x

2014-03-31

2.62x

2013-12-31

2.63x

2013-09-30

2.44x

2013-06-30

2.25x

2013-03-31

2.08x

2012-12-31

1.91x

2012-09-30

1.78x

2012-06-30

1.72x

2012-03-31

1.44x

2011-12-31

1.18x

2011-09-30

1.13x

2011-06-30

1.04x

2011-03-31

1.00x

2010-12-31

0.97x

2010-09-30

0.95x

2010-06-30

0.92x

2010-03-31

1.43x

2009-12-31

1.08x

2009-09-30

0.68x

2009-06-30

0.66x

2009-03-31

0.44x

2008-12-31

0.43x

2008-09-30

-0.27x

2008-06-30

0.26x

2008-03-31

0.15x

2007-12-31

0.09x

2007-09-30

0.12x

2007-06-30

0.16x

2007-03-31

0.18x

2006-12-31

0.16x

2006-09-30

0.17x

2006-06-30

0.21x

2006-03-31

0.24x

2005-12-31

0.23x

2005-09-30

0.30x

2005-06-30

0.34x

2005-03-31

0.40x

2004-12-31

0.33x

Interest Coverage Ratio: 0.86x

AX Interest Coverage Ratio

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