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Side-by-side financial comparison of Axos Financial, Inc. (AX) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
Axos Financial, Inc. is the larger business by last-quarter revenue ($392.2M vs $220.8M, roughly 1.8× UNIVERSAL TECHNICAL INSTITUTE INC). Axos Financial, Inc. runs the higher net margin — 31.8% vs 5.8%, a 26.0% gap on every dollar of revenue. Over the past eight quarters, Axos Financial, Inc.'s revenue compounded faster (16.1% CAGR vs 9.5%).
Axos Financial is an American bank holding company based in Las Vegas, Nevada and is the parent of Axos Bank, a direct bank. It also offers registered investment adviser services and an electronic trading platform.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
AX vs UTI — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $392.2M | $220.8M |
| Net Profit | $124.7M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | — | 7.1% |
| Net Margin | 31.8% | 5.8% |
| Revenue YoY | — | 9.6% |
| Net Profit YoY | 18.5% | -42.1% |
| EPS (diluted) | $2.15 | $0.23 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $220.8M | ||
| Q3 25 | $323.4M | $222.4M | ||
| Q2 25 | $321.4M | $204.3M | ||
| Q1 25 | $308.8M | $207.4M | ||
| Q4 24 | $307.9M | $201.4M | ||
| Q3 24 | $320.7M | $196.4M | ||
| Q2 24 | $290.9M | $177.5M |
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $12.8M | ||
| Q3 25 | $112.4M | $18.8M | ||
| Q2 25 | $110.7M | $10.7M | ||
| Q1 25 | $105.2M | $11.4M | ||
| Q4 24 | $104.7M | $22.2M | ||
| Q3 24 | $112.3M | $18.8M | ||
| Q2 24 | $104.9M | $5.0M |
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 7.1% | ||
| Q3 25 | 46.3% | 11.2% | ||
| Q2 25 | 48.5% | 6.9% | ||
| Q1 25 | 47.9% | 8.1% | ||
| Q4 24 | 48.8% | 13.6% | ||
| Q3 24 | 49.6% | 13.3% | ||
| Q2 24 | 49.6% | 4.2% |
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 5.8% | ||
| Q3 25 | 34.7% | 8.4% | ||
| Q2 25 | 34.4% | 5.2% | ||
| Q1 25 | 34.1% | 5.5% | ||
| Q4 24 | 34.0% | 11.0% | ||
| Q3 24 | 35.0% | 9.6% | ||
| Q2 24 | 36.0% | 2.8% |
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $0.23 | ||
| Q3 25 | $1.94 | $0.33 | ||
| Q2 25 | $1.89 | $0.19 | ||
| Q1 25 | $1.81 | $0.21 | ||
| Q4 24 | $1.80 | $0.40 | ||
| Q3 24 | $1.93 | $0.35 | ||
| Q2 24 | $1.75 | $0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $3.1B | $335.9M |
| Total Assets | $29.2B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $162.8M | ||
| Q3 25 | $2.6B | $169.1M | ||
| Q2 25 | $1.9B | $70.7M | ||
| Q1 25 | $2.0B | $96.0M | ||
| Q4 24 | $2.4B | $172.0M | ||
| Q3 24 | $2.6B | $161.9M | ||
| Q2 24 | $2.0B | $115.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | $312.7M | $73.8M | ||
| Q1 25 | $377.4M | $94.4M | ||
| Q4 24 | $358.7M | $120.1M | ||
| Q3 24 | $313.5M | $125.7M | ||
| Q2 24 | $325.7M | $137.3M |
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $335.9M | ||
| Q3 25 | $2.8B | $328.1M | ||
| Q2 25 | $2.7B | $306.8M | ||
| Q1 25 | $2.6B | $293.9M | ||
| Q4 24 | $2.5B | $280.0M | ||
| Q3 24 | $2.4B | $260.2M | ||
| Q2 24 | $2.3B | $239.4M |
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $834.0M | ||
| Q3 25 | $27.4B | $826.1M | ||
| Q2 25 | $24.8B | $740.8M | ||
| Q1 25 | $24.0B | $720.4M | ||
| Q4 24 | $23.7B | $753.8M | ||
| Q3 24 | $23.6B | $744.6M | ||
| Q2 24 | $22.9B | $706.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | 0.12× | 0.24× | ||
| Q1 25 | 0.14× | 0.32× | ||
| Q4 24 | 0.14× | 0.43× | ||
| Q3 24 | 0.13× | 0.48× | ||
| Q2 24 | 0.14× | 0.57× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $3.1M |
| Free Cash FlowOCF − Capex | — | $-19.2M |
| FCF MarginFCF / Revenue | — | -8.7% |
| Capex IntensityCapex / Revenue | — | 10.1% |
| Cash ConversionOCF / Net Profit | — | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | — | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $3.1M | ||
| Q3 25 | $118.4M | $57.1M | ||
| Q2 25 | $490.3M | $18.1M | ||
| Q1 25 | $73.7M | $-789.0K | ||
| Q4 24 | $162.5M | $23.0M | ||
| Q3 24 | $70.8M | $67.5M | ||
| Q2 24 | $305.5M | $10.0M |
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $-19.2M | ||
| Q3 25 | $109.3M | $40.6M | ||
| Q2 25 | $436.1M | $6.8M | ||
| Q1 25 | $65.1M | $-11.7M | ||
| Q4 24 | $156.4M | $19.6M | ||
| Q3 24 | $53.0M | $60.0M | ||
| Q2 24 | $269.5M | $3.0M |
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | -8.7% | ||
| Q3 25 | 33.8% | 18.3% | ||
| Q2 25 | 135.7% | 3.4% | ||
| Q1 25 | 21.1% | -5.7% | ||
| Q4 24 | 50.8% | 9.7% | ||
| Q3 24 | 16.5% | 30.6% | ||
| Q2 24 | 92.6% | 1.7% |
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 10.1% | ||
| Q3 25 | 2.8% | 7.4% | ||
| Q2 25 | 16.9% | 5.5% | ||
| Q1 25 | 2.8% | 5.3% | ||
| Q4 24 | 2.0% | 1.7% | ||
| Q3 24 | 5.5% | 3.8% | ||
| Q2 24 | 12.4% | 4.0% |
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 0.24× | ||
| Q3 25 | 1.05× | 3.04× | ||
| Q2 25 | 4.43× | 1.69× | ||
| Q1 25 | 0.70× | -0.07× | ||
| Q4 24 | 1.55× | 1.04× | ||
| Q3 24 | 0.63× | 3.58× | ||
| Q2 24 | 2.91× | 2.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AX
| Net Interest Income | $306.3M | 78% |
| Noninterest Income | $86.0M | 22% |
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
