Axos Financial (AX) Operating Margin: History & Chart

Axos Financial, Inc.(AX)

Banks - Regional · Las Vegas, NV

$89.01+0.42 (+0.48%)

Delayed quote: Sep 25, 2026, 10:05 AM EDT

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

2,191 employees

investors.axosfinancial.com

Financial Services / Banks - Regional

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

View full financials

AX Operating Margin Metrics

OPERATING MARGIN

29.52%

OPERATING MARGIN AVG TTM

30.14%

OPERATING MARGIN AVG 3Y

30.79%

OPERATING MARGIN AVG 5Y

35.79%

OPERATING MARGIN AVG 10Y

38.73%

OPERATING MARGIN AVG 15Y

41.01%

OPERATING MARGIN AVG 20Y

36.45%

CURRENT VS TTM AVG

-2.06%

CURRENT VS 3Y AVG

-4.13%

CURRENT VS 5Y AVG

-17.51%

CURRENT VS 10Y AVG

-23.77%

CURRENT VS 15Y AVG

-28.01%

CURRENT VS 20Y AVG

-19.01%

SECTOR MEDIAN · FINANCIAL SERVICES

23.64%

median of 103 covered companies

CURRENT VS SECTOR MEDIAN

+24.87%

vs the sector median at left

NAME	MARKET CAP	OPERATING MARGIN	TTM	3Y	5Y
Axos Financial, Inc. (AX)	$5.08B	29.52%	30.14%	30.79%	35.79%
Main Street Capital Corporation (MAIN)vs ›	$5.07B	80.71%	77.53%	73.88%	64.77%
RLI Corp. (RLI)vs ›	$5.13B	28.42%	25.84%	29.77%	27.90%
MarketAxess Holdings Inc. (MKTX)vs ›	$5.77B	40.51%	41.32%	42.64%	45.51%
Sezzle Inc. (SEZL)vs ›	$3.72B	40.39%	34.80%	15.22%	-7.78%
PIMCO Dynamic Income Fund (PDI)vs ›	$6.44B	78.88%	80.75%	90.27%	92.97%
iShares Core 80/20 Aggressive Allocation ETF (AOA)vs ›	$3.22B	N/A	N/A	N/A	N/A
Kinsale Capital Group, Inc. (KNSL)vs ›	$7.63B	35.90%	33.14%	30.23%	28.61%
TeraWulf Inc. (WULF)vs ›	$7.79B	-101.10%	-77.76%	-122.25%	-83.27%
Nuveen Quality Municipal Income Fund (NAD)vs ›	$2.37B	69.73%	170.78%	-122.92%	-51.58%

NAME

MARKET CAP

OPERATING MARGIN

TTM

Axos Financial, Inc. (AX)

$5.08B

29.52%

30.14%

30.79%

35.79%

Main Street Capital Corporation (MAIN)vs ›

$5.07B

80.71%

77.53%

73.88%

64.77%

RLI Corp. (RLI)vs ›

$5.13B

28.42%

25.84%

29.77%

27.90%

MarketAxess Holdings Inc. (MKTX)vs ›

$5.77B

40.51%

41.32%

42.64%

45.51%

Sezzle Inc. (SEZL)vs ›

$3.72B

40.39%

34.80%

15.22%

-7.78%

PIMCO Dynamic Income Fund (PDI)vs ›

$6.44B

78.88%

80.75%

90.27%

92.97%

iShares Core 80/20 Aggressive Allocation ETF (AOA)vs ›

$3.22B

N/A

Kinsale Capital Group, Inc. (KNSL)vs ›

$7.63B

35.90%

33.14%

30.23%

28.61%

TeraWulf Inc. (WULF)vs ›

$7.79B

-101.10%

-77.76%

-122.25%

-83.27%

Nuveen Quality Municipal Income Fund (NAD)vs ›

$2.37B

69.73%

170.78%

-122.92%

-51.58%

Operating Margin FAQ

What is the operating margin for Axos Financial, Inc. (AX)?

The operating margin for AX stock is 29.52%.

Is Axos Financial, Inc.'s operating margin high or low?

The operating margin of 29.52% is 18% below its 5-year average of 35.79%, near the low end of its 5-year range (27.39%–51.71%).

What is the TTM average operating margin for Axos Financial, Inc. (AX)?

The TTM average operating margin for AX stock is 30.14%.

What is the 3Y average operating margin for Axos Financial, Inc. (AX)?

The 3Y average operating margin for AX stock is 30.79%.

What is the 5Y average operating margin for Axos Financial, Inc. (AX)?

The 5Y average operating margin for AX stock is 35.79%.

What is the 10Y average operating margin for Axos Financial, Inc. (AX)?

The 10Y average operating margin for AX stock is 38.73%.

What is the 15Y average operating margin for Axos Financial, Inc. (AX)?

The 15Y average operating margin for AX stock is 41.01%.

What is the 20Y average operating margin for Axos Financial, Inc. (AX)?

The 20Y average operating margin for AX stock is 36.45%.

DATE	OPERATING MARGIN
2026-06-30	27.39%
2026-03-31	29.30%
2025-12-31	31.18%
2025-09-30	30.35%
2025-06-30	32.50%
2025-03-31	32.06%
2024-12-31	31.35%
2024-09-30	31.30%
2024-06-30	30.05%
2024-03-31	32.93%
2023-12-31	51.71%
2023-09-30	29.95%
2023-06-30	31.15%
2023-03-31	34.11%
2022-12-31	38.53%
2022-09-30	33.38%
2022-06-30	39.42%
2022-03-31	46.92%
2021-12-31	46.87%
2021-09-30	46.91%
2021-06-30	44.18%
2021-03-31	43.14%
2020-12-31	43.22%
2020-09-30	41.33%
2020-06-30	39.80%
2020-03-31	37.25%
2019-12-31	34.90%
2019-09-30	34.17%
2019-06-30	33.91%
2019-03-31	28.04%
2018-12-31	36.27%
2018-09-30	35.38%
2018-06-30	37.13%
2018-03-31	46.24%
2017-12-31	45.24%
2017-09-30	46.96%
2017-06-30	49.86%
2017-03-31	54.88%
2016-12-31	50.14%
2016-09-30	48.66%
2016-06-30	49.66%
2016-03-31	57.12%
2015-12-31	52.68%
2015-09-30	53.81%
2015-06-30	53.85%
2015-03-31	50.21%
2014-12-31	50.12%
2014-09-30	50.25%
2014-06-30	49.58%
2014-03-31	49.48%
2013-12-31	47.18%
2013-09-30	46.33%
2013-06-30	42.90%
2013-03-31	42.36%
2012-12-31	41.33%
2012-09-30	40.17%
2012-06-30	44.50%
2012-03-31	39.15%
2011-12-31	35.66%
2011-09-30	33.50%
2011-06-30	33.47%
2011-03-31	33.23%
2010-12-31	32.89%
2010-09-30	33.82%
2010-06-30	27.60%
2010-03-31	44.97%
2009-12-31	33.59%
2009-09-30	28.36%
2009-06-30	26.63%
2009-03-31	23.27%
2008-12-31	23.82%
2008-09-30	-27.49%
2008-06-30	16.32%
2008-03-31	9.95%
2007-12-31	7.12%
2007-09-30	8.92%
2007-06-30	11.85%
2007-03-31	12.92%
2006-12-31	12.13%
2006-09-30	12.09%
2006-06-30	14.92%
2006-03-31	15.97%
2005-12-31	14.99%
2005-09-30	18.46%
2005-06-30	20.47%
2005-03-31	23.54%
2004-12-31	18.43%

DATE

OPERATING MARGIN

2026-06-30

27.39%

2026-03-31

29.30%

2025-12-31

31.18%

2025-09-30

30.35%

2025-06-30

32.50%

2025-03-31

32.06%

2024-12-31

31.35%

2024-09-30

31.30%

2024-06-30

30.05%

2024-03-31

32.93%

2023-12-31

51.71%

2023-09-30

29.95%

2023-06-30

31.15%

2023-03-31

34.11%

2022-12-31

38.53%

2022-09-30

33.38%

2022-06-30

39.42%

2022-03-31

46.92%

2021-12-31

46.87%

2021-09-30

46.91%

2021-06-30

44.18%

2021-03-31

43.14%

2020-12-31

43.22%

2020-09-30

41.33%

2020-06-30

39.80%

2020-03-31

37.25%

2019-12-31

34.90%

2019-09-30

34.17%

2019-06-30

33.91%

2019-03-31

28.04%

2018-12-31

36.27%

2018-09-30

35.38%

2018-06-30

37.13%

2018-03-31

46.24%

2017-12-31

45.24%

2017-09-30

46.96%

2017-06-30

49.86%

2017-03-31

54.88%

2016-12-31

50.14%

2016-09-30

48.66%

2016-06-30

49.66%

2016-03-31

57.12%

2015-12-31

52.68%

2015-09-30

53.81%

2015-06-30

53.85%

2015-03-31

50.21%

2014-12-31

50.12%

2014-09-30

50.25%

2014-06-30

49.58%

2014-03-31

49.48%

2013-12-31

47.18%

2013-09-30

46.33%

2013-06-30

42.90%

2013-03-31

42.36%

2012-12-31

41.33%

2012-09-30

40.17%

2012-06-30

44.50%

2012-03-31

39.15%

2011-12-31

35.66%

2011-09-30

33.50%

2011-06-30

33.47%

2011-03-31

33.23%

2010-12-31

32.89%

2010-09-30

33.82%

2010-06-30

27.60%

2010-03-31

44.97%

2009-12-31

33.59%

2009-09-30

28.36%

2009-06-30

26.63%

2009-03-31

23.27%

2008-12-31

23.82%

2008-09-30

-27.49%

2008-06-30

16.32%

2008-03-31

9.95%

2007-12-31

7.12%

2007-09-30

8.92%

2007-06-30

11.85%

2007-03-31

12.92%

2006-12-31

12.13%

2006-09-30

12.09%

2006-06-30

14.92%

2006-03-31

15.97%

2005-12-31

14.99%

2005-09-30

18.46%

2005-06-30

20.47%

2005-03-31

23.54%

2004-12-31

18.43%

Operating Margin: 29.52%

AX Operating Margin

AX Average Operating Margin Chart

AX Current vs Average Operating Margin Chart

AX Operating Margin Metrics

AX Competitors' Operating Margin

Operating Efficiency

Operating Margin Formula & Definition

Operating Margin FAQ

AX Operating Margin History

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