AX (Axos Financial) Moat Score : 5/10 (As of Jul. 04, 2025)

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What is Axos Financial Moat Score?

Axos Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Axos Financial has Narrow Moat: AX has a solid narrow moat due to its innovative digital banking platform, which provides some customer switching costs and brand strength. However, it operates in a competitive financial sector with limited regulatory barriers and moderate pricing power, preventing a wide moat classification.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Axos Financial might have Narrow Moat - Solid narrow moat.

Competitive Comparison of Axos Financial's Moat Score

For the Banks - Regional subindustry, Axos Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Axos Financial's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Axos Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Axos Financial's Moat Score falls into.

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Axos Financial (NYSE:AX) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Axos Financial Moat Score Related Terms

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Axos Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Axos Financial Inc (NYSE:AX) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

BB4:Germany

Address

9205 West Russell Road, Suite 400, Las Vegas, NV, USA, 89148

Website

https://www.axosfinancial.com

Axos Financial Inc is a bank holding company that operates through its bank subsidiary, BofI Federal Bank, a nationwide bank that provides financing for single and multifamily residential properties, small to medium-size businesses in certain sectors, and selected specialty finance receivables. Its operating segments are banking business segment and securities business segment . The bank distributed its products through a wide range of retail distribution channels, including only banking brands, affinity groups, and sales teams, among others. The majority of the bank's mortgage exposure is titled toward the state of California, particularly its southern region. Net interest income is a majority of the bank's revenue.

Executives

Thomas M Constantine	other: EVP and Chief Credit Officer	4350 LA JOLLA VILLAGE DRIVE, SUITE 140, SAN DIEGO CA 92122
Paul Grinberg	director	C/O ENCORE CAPITAL GROUP INC, 8875 AERO DRIVE, SUITE 200, SAN DIEGO CA 92123
David X Park	other: EVP, Comm Banking & Treasury	4350 LA JOLLA VILLAGE DRIVE, SUITE 140, SAN DIEGO CA 92122
Mosich Nick	director	12777 HIGH BLUFF DRIVE, SUITE #100, SAN DIEGO CA 92130
Edward James Ratinoff	director	12777 HIGH BLUFF DRIVE, SUITE 100, SAN DIEGO CA 92130
Gregory Garrabrants	director, officer: President & CEO	9205 WEST RUSSELL ROAD, SUITE #400, LAS VEGAS NV 89148
James John Court	director	12777 HIGH BLUFF DRIVE, SUITE 100, SAN DIEGO CA 92130
Andrew J Micheletti	officer: VP & Chief Financial Officer	C/O AXOS FINANCIAL, 4350 LA JOLLA VILLAGE DRIVE STE 140, SAN DIEGO CA 92122
Tamara N Bohlig	director	4350 LA JOLLA VILLAGE DRIVE, SUITE 140, SAN DIEGO CA 92122
David M Crow	other: EVP, Head of Axos Clearing	4350 LA JOLLA VILLAGE DRIVE, SUITE 140, SAN DIEGO CA 92122
Ron Pitters	other: SVP, Head of Axos Securities	4350 LA JOLLA VILLAGE DRIVE, SUITE 140, SAN DIEGO CA 92122
Stefani D Carter	director	14185 DALLAS PARKWAY, SUITE 1100, DALLAS TX 75254
Uzair Dada	director	4350 LA JOLLA VILLAGE DRIVE, SUITE 140, SAN DIEGO CA 92122
Roque A Santi	director	C/O ECC CAPITAL CORPORATION, 1833 ALTON PARKWAY, IRVINE CA 92606
Brian D Swanson	other: EVP, Chief Lending Officer	4350 LA JOLLA VILLAGE DRIVE, SUITE 140, SAN DIEGO CA 92122