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Axos Financial vs Provident Financial Services: AX and PFS compared
Axos Financial is the larger company: $395M of revenue in its latest quarter (Q1 FY27) against $239M for Provident Financial Services (Q3 2026). Axos Financial is growing faster (+22% against +8% a year earlier). Axos Financial is more profitable, with an operating margin of 44.3% against 38.8%.
Where the money goes: AX and PFS
Axos Financial (AX) · Q1 FY27
Axos Financial, Q1 FY27: revenue $395M (+22% year over year), operating margin 44.3%, net earnings $130M, operating cash flow $295M. The chart follows the revenue to costs, profit and cash.
Provident Financial Services (PFS) · Q3 2026
Provident Financial Services, Q3 2026: revenue $239M (+8% year over year), operating margin 38.8%, net earnings $69.2M, operating cash flow $56.2M. The chart follows the revenue to costs, profit and cash.
| Axos Financial (AX) | Provident Financial Services (PFS) | |
|---|---|---|
| Latest quarter | Q1 FY27 | Q3 2026 |
| Revenue | $395M | $239M |
| Revenue growth, Y/Y | +22% | +8% |
| Operating margin | 44.3% | 38.8% |
| Net earnings | $130M | $69.2M |
| Net margin | 32.8% | 29.0% |
| Operating cash flow | $295M | $56.2M |
| Free cash flow | $235M | $47.9M |
| Market value | $5.4B | — |
| P/E | 10.8× | — |
| Analysts’ mean target | $117.71 | — |
Where the revenue comes from
Axos Financial
- Net interest income: $331M (84%)
- Noninterest income: $63.8M (16%)
Questions
Which is bigger, Axos Financial or Provident Financial Services?
Axos Financial is the larger company: $395M of revenue in its latest quarter (Q1 FY27) against $239M for Provident Financial Services (Q3 2026).
Is Axos Financial or Provident Financial Services growing faster?
Axos Financial is growing faster (+22% against +8% a year earlier).
Which is more profitable, Axos Financial or Provident Financial Services?
Axos Financial is more profitable, with an operating margin of 44.3% against 38.8%.
More: Axos Financial earnings · how Axos Financial makes money · Provident Financial Services earnings · how Provident Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 29, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.