Operating Cash Flow CAGR:27.70%(TTM)
Operating cash flow CAGR uses precomputed cash-flow statement history (cash from operations, before capital expenditures).
Over longer horizons, Operating Cash Flow CAGR averages 19.22% over 3 years and 3.62% over 5 years.The TTM figure compares the trailing 12 months (sum of the latest four quarters) with the 12 months before that. Rows in the history table compare fiscal years, and the quarterly table compares single quarters; the three measure different windows and will differ. Operating cash flow CAGR measures the compound annual growth rate of the cash Axos Financial, Inc. generates from its core business operations, before capital expenditures, computed from rolling-twelve-month cash-flow statement history.
AX Operating Cash Flow CAGR Chart
Axos Financial, Inc. (AX)
AX Quarterly Operating Cash Flow Growth (YoY)
Operating Cash Flow growth vs the same quarter one year earlier, last 20 quarters.
AX Operating Cash Flow CAGR History
| Year | Start OCF | End OCF | Change | % Change | CAGR |
|---|---|---|---|---|---|
| 2025 | $305.48M | $490.33M | +$184.85M | +60.51% | +60.51% |
| 2024 | $196.71M | $305.48M | +$108.77M | +55.30% | +55.30% |
| 2023 | $216.62M | $196.71M | $-19.92M | -9.19% | -9.19% |
| 2022 | $412.58M | $216.62M | $-195.96M | -47.50% | -47.50% |
| 2021 | $284.12M | $412.58M | +$128.46M | +45.22% | +45.22% |
| 2020 | $204.42M | $284.12M | +$79.70M | +38.99% | +38.99% |
| 2019 | $167.91M | $204.42M | +$36.51M | +21.74% | +21.74% |
| 2018 | $198.50M | $167.91M | $-30.58M | -15.41% | -15.41% |
| 2017 | $166.90M | $198.50M | +$31.59M | +18.93% | +18.93% |
| 2016 | $116.10M | $166.90M | +$50.80M | +43.76% | +43.76% |
| 2015 | $21.32M | $116.10M | +$94.78M | +444.59% | +444.59% |
| 2014 | $15.75M | $21.32M | +$5.57M | +35.36% | +35.36% |
| 2013 | $-56.27M | $15.75M | +$72.02M | N/A | N/A |
| 2012 | $4.12M | $-56.27M | $-60.39M | -1467.46% | N/A |
| 2011 | $-15.00M | $4.12M | +$19.11M | N/A | N/A |
| 2010 | $-10.16M | $-15.00M | $-4.84M | N/A | N/A |
| 2009 | $9.38M | $-10.16M | $-19.55M | -208.30% | N/A |
| 2008 | $1.83M | $9.38M | +$7.56M | +413.86% | +413.86% |
| 2007 | $2.51M | $1.83M | $-688.00K | -27.37% | -27.37% |
| 2006 | $4.38M | $2.51M | $-1.86M | -42.54% | -42.54% |
| 2005 | $5.78M | $4.38M | $-1.40M | -24.26% | -24.26% |
| 2004 | $-982.00K | $5.78M | +$6.76M | N/A | N/A |
Quarterly Operating Cash Flow: QoQ & YoY
| Quarter | Value | QoQ | YoY |
|---|---|---|---|
| Q3 2026 | $42.03M | -59.6% | -43.0% |
| Q2 2025 | $104.11M | -12.1% | -35.9% |
| Q1 2025 | $118.43M | -35.4% | +67.3% |
| Q4 2025 | $183.35M | +148.8% | +318.9% |
| Q3 2025 | $73.68M | -54.7% | -36.4% |
| Q2 2024 | $162.51M | +129.6% | +37.1% |
| Q1 2024 | $70.79M | +61.7% | +107.1% |
| Q4 2024 | $43.77M | -62.2% | -36.3% |
| Q3 2024 | $115.77M | -2.3% | — |
| Q2 2023 | $118.55M | +246.8% | +11.6% |
| Q1 2023 | $34.19M | -50.2% | -51.7% |
| Q4 2023 | $68.71M | — | -52.6% |
| Q3 2023 | -$57.83M | — | — |
| Q2 2022 | $106.25M | +50.0% | +87.5% |
| Q1 2022 | $70.82M | -51.2% | — |
| Q4 2022 | $145.07M | +2.2% | +45.3% |
QoQ = change vs the prior quarter; YoY = change vs the same quarter a year earlier.
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.
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- Gregory Garrabrants