Axos Financial (AX) vs TFS Financial (TFSL)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
TFS Financial (TFSL) has outperformed Axos Financial (AX) over the past year, gaining 18.8% versus a gain of 4.7%. Over five years, AX leads with a +61.7% price change compared with -19.9% for TFSL. Axos Financial is the larger company by market cap ($4.99 billion vs $4.52 billion), about 1.1 times the size.
On valuation, Axos Financial trades at a lower forward P/E (8.1x vs 41.3x for TFS Financial). TFS Financial pays a dividend yielding 7.01%, while Axos Financial does not currently pay one. Axos Financial converts more of its revenue into profit, with a net margin of 603.5% versus 28.3%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AX | TFSL |
|---|---|---|
| Share price | $87.68 | $16.12 |
| Market cap | $4.99B | $4.52B |
| 1-day change | -1.52% | -2.72% |
| YTD return | +1.76% | +20.48% |
| 1-year return | +4.66% | +18.79% |
| 5-year return | +61.68% | -19.88% |
| P/E ratio (TTM) | 10.34 | 44.78 |
| Forward P/E | 8.06 | 41.33 |
| EPS (TTM) | $8.48 | $0.36 |
| Dividend yield | 0.00% | 7.01% |
| Annual dividend | $0.00 | $1.13 |
| Revenue (latest FY) | $81.25M | $321.47M |
| Revenue growth (YoY) | +23.51% | +6.04% |
| Net income (latest FY) | $490.37M | $90.96M |
| Net margin | 603.51% | 28.29% |
| 52-week high | $105.74 | $19.49 |
| 52-week low | $74.89 | $12.54 |
| Distance from 52-week high | -17.08% | -17.29% |
| Analyst consensus | strong_buy | hold |
| Avg. price target upside | +34.25% | +13.21% |
| Average volume | 346.43K | 830.88K |
| Shares outstanding | 56.86M | 280.44M |
| Employees | 2,191 | 958 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- TFSL has outperformed AX by 14.1 percentage points over the past year.
- TFS Financial trades at a higher earnings multiple (44.8x vs 10.3x trailing P/E).
- TFS Financial offers a meaningfully higher dividend yield (7.01% vs 0.00%).
- Axos Financial is more profitable, keeping 603.5 cents of every revenue dollar as net income versus 28.3 cents for TFS Financial.
- Axos Financial grew revenue faster in its latest fiscal year (+23.51% vs +6.04%).
About Axos Financial
AX stock →Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business.
Finance · Savings Institutions · 2,191 employees
About TFS Financial
TFSL stock →TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit.
Finance · Savings Institutions · 958 employees
AX vs TFSL FAQ
Which is bigger, Axos Financial or TFS Financial?
Axos Financial (AX) is larger, with a market capitalization of $4.99B compared with $4.52B for TFS Financial (TFSL).
Which stock has performed better over the past year, AX or TFSL?
TFSL returned +18.79% over the past 12 months, compared with +4.66% for AX (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AX or TFSL?
AX has the lower trailing P/E at 10.3, versus 44.8 for TFSL. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Axos Financial or TFS Financial?
TFS Financial pays a dividend yielding 7.01%, while Axos Financial does not currently pay a regular dividend.
Are Axos Financial and TFS Financial in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.