Axos Financial (NASDAQ:AX – Get Rating) and Provident Financial (NASDAQ:PROV – Get Rating) are both finance companies, but which company is superior? We will compare the two companies based on their risk strength, analyst recommendations, earnings, valuation, institutional ownership, dividends and profitability.
Valuation and benefits
This chart compares revenue, earnings per share (EPS), and valuation of Axos Financial and Provident Financial.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| Axos Financial | $723.12 million | 2.91 | $215.71 million | $3.91 | 9.03 |
| Financial foresight | $39.77 million | 2.69 | $7.56 million | $1.32 | 11.11 |
Axos Financial has higher revenue and profit than Provident Financial. Axos Financial trades at a lower price-to-earnings ratio than Provident Financial, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
76.2% of Axos Financial shares are held by institutional investors. By comparison, 60.2% of Provident Financial’s shares are held by institutional investors. 4.7% of Axos Financial shares are held by insiders. By comparison, 14.0% of Provident Financial’s shares are held by insiders. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a stock will outperform the market over the long term.
Analyst Notes
This is a summary of recent recommendations for Axos Financial and Provident Financial, as provided by MarketBeat.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| Axos Financial | 0 | 0 | 0 | 0 | N / A |
| Financial foresight | 0 | 0 | 0 | 0 | N / A |
Risk and Volatility
Axos Financial has a beta of 1.45, indicating that its stock price is 45% more volatile than the S&P 500. In comparison, Provident Financial has a beta of 0.58, indicating that its stock price is stock is 42% less volatile than the S&P 500.
Profitability
This table compares the net margins, return on equity and return on assets of Axos Financial and Provident Financial.
| Net margins | Return on equity | return on assets | |
| Axos Financial | 32.23% | 16.41% | 1.61% |
| Financial foresight | 25.79% | 7.80% | 0.84% |
Summary
Axos Financial beats Provident Financial on 9 out of 11 factors compared between the two stocks.
Axos Financial Company Profile (Get an assessment)
Axos Financial, Inc., together with its subsidiaries, provides retail and corporate banking products in the United States. It operates through Banking Business and Securities Business segments. The Company offers deposit products, including personal and business checking accounts, current accounts, savings accounts, term deposits, money market, zero balances and cash transfer accounts. insured. It also offers single-family, multi-family and commercial mortgages; secured commercial real estate loans; commercial and industrial non-real estate, asset-backed, lines of credit and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and security-backed loans. Additionally, the company offers ACH issuance, wire transfer, business check printing, business bill payment, and account transfer; remote deposit entry, mobile deposit, safe, merchant and online payment portal; concierge banking services; mobile banking and SMS; and payment services, as well as debit and credit cards and digital wallets. Additionally, it provides disclosed clearing services; back office services, such as record keeping, business reporting, accounting, general back office support, securities and margin lending, reorganization assistance and securities custody; and financing to brokerage clients. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.
Provident Financial Company Profile (Get an assessment)
Provident Financial Holdings, Inc. operates as a holding company for Provident Savings Bank, FSB, which provides community banking services to consumers and small and medium businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings and money market accounts, as well as term deposits; and the loan portfolio includes single-family, multi-family, commercial, construction, mortgage, commercial and consumer real estate loans. The Company also offers investment services including the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.
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