Axos Financial Inc
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Let's analyse Axos Financial Inc together

Penke I guess you are interested in Axos Financial Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Axos Financial Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Axos Financial Inc (30 sec.)

What can you expect buying and holding a share of Axos Financial Inc? (30 sec.)

How much money do you get?

$0.90

When do you have the money?

1 year

How often do you get paid?

77.5%

What is your share worth?

Current worth

$37.84

Expected worth in 1 year

$45.27

How sure are you?

100.0%

+ What do you gain per year?

Total Gains per Share

$8.33

Return On Investment

13.6%

For what price can you sell your share?

Current Price per Share

$61.05

Expected price per share

$54.64 - $

How sure are you?

50%

1. Valuation of Axos Financial Inc (5 min.)

Live pricePrice per Share (EOD)

$61.05

Book Value per Share

$37.84

Intrinsic Value Per Share

$41.34 - $109.36

Total Value Per Share

$79.18 - $147.20

My calculation of the intrinsic value of Axos Financial Inc is based how much money is coming from the company's main activities (Free Cash Flow).

The following numbers are based on moving averages and per share and per quarter.
I use a 6% discount rate for the low estimation and 3% for the high estimation.
The current Free Cash Flow Per Share is 10Y: ($0.83) 3Y: ($0.94) TTM: ($1.25)
The change per quarter (trend) of the Free Cash Flow Per Share is 10Y: ($0.03) 3Y: ($0.11) TTM: ($0.71)

Years	Total Low est.	Total High est.	Added Free Cash Flow
1	$3.49	$4.82	$3.79 - $5.60
2	$7.20	$11.24	$4.26 - $7.42
3	$11.11	$19.16	$4.73 - $9.25
4	$15.17	$28.49	$5.19 - $11.07
5	$19.36	$39.14	$5.66 - $12.90
6	$23.64	$51.03	$6.13 - $14.72
7	$28.01	$64.07	$6.60 - $16.55
8	$32.42	$78.19	$7.06 - $18.38
9	$36.87	$93.31	$7.53 - $20.20
10	$41.34	$109.36	$8.00 - $22.03

2. Growth of Axos Financial Inc (5 min.)

Is Axos Financial Inc growing?

	Current year	Previous year	Grow	Grow %
How rich?	$2.1b	$1.7b	$298m	14.6%

How much money is Axos Financial Inc making?

	Current year	Previous year	Grow	Grow %
Making money	$108.1m	$69.4m	$38.6m	35.8%
Net Profit Margin	30.5%	32.6%	-	-

How much money comes from the company's main activities?

Quarterly Yearly

3. Financial Health of Axos Financial Inc (5 min.)

4. Comparing to competitors in the Banks - Regional industry (5 min.)

Industry Rankings (Banks - Regional)

What can you expect buying and holding a share of Axos Financial Inc? (5 min.)

Welcome investor! Axos Financial Inc's management wants to use your money to grow the business. In return you get a share of Axos Financial Inc.

What can you expect buying and holding a share of Axos Financial Inc?

First you should know what it really means to hold a share of Axos Financial Inc. And how you can make/lose money.

Speculation

The Price per Share of Axos Financial Inc is $61.05. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

The fundamentals: the financial health trends of Axos Financial Inc.
The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Axos Financial Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $37.84. Based on the TTM, the Book Value Change Per Share is $1.86 per quarter. Based on the YOY, the Book Value Change Per Share is $1.06 per quarter.
You may receive quarterly/yearly dividend in the form of additional shares.
You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.23 per quarter.

Based on historical numbers we can estimate the returns while holding a share of Axos Financial Inc.

How much money are you going to get?

	MRQ		TTM		YOY		5Y		10Y
	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share
Usd Eps	1.91	3.1%	1.84	3.0%	1.15	1.9%	1.11	1.8%	0.80	1.3%
Usd Book Value Change Per Share	1.97	3.2%	1.86	3.0%	1.06	1.7%	1.05	1.7%	0.80	1.3%
Usd Dividend Per Share	0.00	0.0%	0.23	0.4%	0.01	0.0%	0.05	0.1%	0.02	0.0%
Usd Total Gains Per Share	1.97	3.2%	2.08	3.4%	1.08	1.8%	1.10	1.8%	0.83	1.4%
Usd Price Per Share	54.04	-	46.49	-	36.31	-	38.23	-	42.64	-
Price to Earnings Ratio	7.08	-	6.47	-	8.07	-	9.21	-	19.22	-
Price-to-Total Gains Ratio	27.44	-	25.63	-	34.77	-	42.26	-	74.34	-
Price to Book Ratio	1.43	-	1.33	-	1.26	-	1.51	-	3.27	-
Price-to-Total Gains Ratio	27.44	-	25.63	-	34.77	-	42.26	-	74.34	-

When do you get the money?

Usd Investment	$.00
Usd Price Per Share	61.05
Number of shares	16

Gains per Quarter	Trailing 12 Months	5 Year
Usd Dividend Per Share	0.23	0.05
Usd Book Value Change Per Share	1.86	1.05
Usd Total Gains Per Share	2.08	1.10
Gains per Quarter (16 shares)	33.30	17.54
Gains per Year (16 shares)	133.21	70.17

Years	Return on Investment (TTM)			Return on Investment (5Y)
	Dividend	Book Value gain	Total gains	Dividend	Book Value gain	Total gains
Broker costs	-	-	-10	-	-	-10
1	14	119	123	3	67	60
2	29	238	256	6	134	130
3	43	356	389	9	201	200
4	58	475	522	12	268	270
5	72	594	655	15	335	340
6	86	713	788	18	403	410
7	101	832	921	22	470	480
8	115	950	1054	25	537	550
9	130	1069	1187	28	604	620
10	144	1188	1320	31	671	690

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %

	Trailing 12 Months				3Y				5 Year				10 Year				ALLTIME
				%				%				%				%				%
Earnings Per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	40.0	0.0	0.0	100.0%	80.0	1.0	0.0	98.8%
Book Value Change Per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	40.0	0.0	0.0	100.0%	78.0	3.0	0.0	96.3%
Dividend per Share	1.0	0.0	3.0	25.0%	3.0	0.0	9.0	25.0%	11.0	0.0	9.0	55.0%	31.0	0.0	9.0	77.5%	71.0	0.0	10.0	87.7%
Total Gains per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	40.0	0.0	0.0	100.0%	78.0	3.0	0.0	96.3%

Fundamentals of Axos Financial Inc

About Axos Financial Inc

https://axosfinancial.com
Banks - Regional
1455
9205 West Russell Road, Las Vegas, NV, United States, 89148
Google Maps Bing Maps

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. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text message banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. 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.

Fundamental data was last updated by Penke on 2024-05-04 16:12:04.

Financial Health

Profitability Details

	Compared to previous year	Compared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.

Operating Efficiency Details

	Compared to previous year	Compared to industry
The company is operating very efficient.

Liquidity Details

	Compared to previous year	Compared to industry
The company is able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.

Solvency Details

	Compared to previous year	Compared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details

	Compared to previous year	Compared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Axos Financial Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Measures how much net profit Axos Financial Inc earns for each $1 of revenue.

Above 10% is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
A Net Profit Margin of 23.2% means that $0.23 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Axos Financial Inc:

The MRQ is 23.2%. The company is making a huge profit. +2
The TTM is 30.5%. The company is making a huge profit. +2

Trends

Current period		Compared to		+/-
MRQ	23.2%	TTM	30.5%	-7.2%
TTM	30.5%	YOY	32.6%	-2.2%
TTM	30.5%	5Y	32.8%	-2.4%
5Y	32.8%	10Y	33.9%	-1.1%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	23.2%	38.5%	-15.3%
TTM	30.5%	29.6%	+0.9%
YOY	32.6%	26.3%	+6.3%
5Y	32.8%	23.6%	+9.2%
10Y	33.9%	20.4%	+13.5%

Measures how much net profit Axos Financial Inc earns for each $1 of revenue.

Revenue is the amount of profit Axos Financial Inc generates before taxes and all other costs. For example, when you buy a cup of coffee it will cost you $3. The company does not earn $3 in profit but also has to pay various costs and taxes to create that cup of coffee. Let's assume the cost of creating a cup of coffee is $1.5.

The $3 you pay for a cup of coffee is called revenue.
The $1.5 that’s left over when all costs to create that cup of coffee (including taxes) are deduced from the revenue is called net profit.

The net profit margin looks at how much net profit Axos Financial Inc earns for each $1 in revenue.

How to use net profit margin

Higher profit margin is better (more profit).
Above 10% is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
Can be used to compare companies within the Banks - Regional industry.

You typically want a high profit margin. This means that for each $1 in sales, Axos Financial Inc makes more profit. This shows the investor how efficiently Axos Financial Inc is operating in general and compared to other companies in the same industry. Axos Financial Inc operates in the Banks - Regional industry.

Why do investors use net profit margin in their analysis

It helps investors to determine the efficiency of Axos Financial Inc. If profit margins remain low (compared to the Banks - Regional industry mean) and there are no improvements to make in production costs or other areas that might be a warning sign. If profit margins are high that means the company has low overhead costs and is efficiently using its resources to generate profit.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Net Profit Margin of Axos Financial Inc is 0.23. This means that Axos Financial Inc earned $0.23 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Net Profit Margin of the Banks - Regional industry is 38.5%.
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare Axos Financial Inc with other companies in the same industry (Banks - Regional).
Net profit margin should rise over the years.
Can be influenced when Axos Financial Inc sells assets (profit will increase while costs remain the same).
It won’t show what part of Axos Financial Inc is doing great or needs improvement (it only looks at total revenue and total net income).

How to calculate net profit margin

Net profit margin = net income / total revenue * 100%

Real example of Axos Financial Inc

You need the following data to determine net profit margin:

Income statement from the period you want to calculate (for example, MRQ or TTM).

Net income MRQ Axos Financial Inc = 110,720
Total revenue MRQ Axos Financial Inc = 476,727
$110,720 / $476,727 = 0.23 or 23.2%

Higher is better

The higher the net profit margin, the more efficient the company is generating income. This helps investors to determine how the company is managing money. The net profit margin is an important indicator when diving into the financial health of a company. Overall, you want to see the net profit margin rising over the years. That means the company improved their production and made it more efficient (if possible).

You can use the net profit margin to compare companies within the same industry. If there are two companies where one is much bigger but the smaller one has a higher net profit margin, that means the smaller company is more efficiently using operational costs.

Important: Profit margins can be very different between industries. Companies with assembly lines or transports are much more prone to see shifting in prices for fuel, ingredients and maintenance compared to companies that only provide services. You should never compare net profit margin between different industries.

1.1.2. Return on Assets

Shows how efficient Axos Financial Inc is using its assets to generate profit.

Above 5% is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
0.5% Return on Assets means that Axos Financial Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Axos Financial Inc:

The MRQ is 0.5%. Using its assets, the company is inefficient in making profit. -1
The TTM is 0.5%. Using its assets, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	0.5%	TTM	0.5%	0.0%
TTM	0.5%	YOY	0.4%	+0.1%
TTM	0.5%	5Y	0.4%	+0.1%
5Y	0.4%	10Y	0.4%	+0.0%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	0.5%	0.3%	+0.2%
TTM	0.5%	0.2%	+0.3%
YOY	0.4%	0.2%	+0.2%
5Y	0.4%	0.2%	+0.2%
10Y	0.4%	0.2%	+0.2%

Shows how efficient Axos Financial Inc is using its assets to generate profit.

For a farm, a tractor is considered an asset. The tractor helps ploughing the land making it possible to plant and harvest crops. But the tractor might be old and needing maintenance all the time reducing its efficiency. Return on assets indicates how effectively the farm is using the tractor (and other assets that help the core business) to plough the land.

How to use return on assets

Higher is better.
Above 5% is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on assets in their analysis

Shows the investor how effectively Axos Financial Inc is using its resources to generate profit. If the return on assets (0.5%) from Axos Financial Inc are higher than the Banks - Regional mean (0.3%) that means Axos Financial Inc is using its resources better than their competitors. If not, that means their competitors are more efficient in using their resources to generate profit.

An investor should always look at:

What is the current return on assets?
The current most recent quarter (MRQ) Return on Assets of Axos Financial Inc is 0.5%. This means the company generated $0.00 for each $1 in assets.
How does it compare to the industry?
The mean MRQ Return on Assets of the Banks - Regional industry is 0.3%.
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
If a company has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

How to calculate return on assets

Return on assets = net income / total assets * 100%

Real example Axos Financial Inc

You need the following data to determine return on assets (ROA):

Income statement
Balance sheet

Net income MRQ (income statement) from Axos Financial Inc = 110,720
Total assets MRQ (balance sheet) from Axos Financial Inc = 22,642,133
110,720 / 22,642,133 = 0.00 or 0.5%

ROA is an important ratio as it will tell you how effectively Axos Financial Inc is using its resources to generate profits. Example:

Bob and Kristin both sell ice cream in the summer. They both have an ice cream truck. The truck Bob owes cost him $20.000 and the truck Kristin owes cost her $1500. Over the summer, Bob earned $2000 and Kristin earned $200. To calculate the return on assets:

Bob: $2000 / $20.000 * 100% = 10%
Kristin: $200 / $1500 * 100% = 13.3%

This tells you Bob’s company is more valuable but Kristin's company is more efficient. Be aware that total assets can change over time. A transportation business will buy and sell trucks or planes all the time. Before using return on assets as a guideline, you have to know what the exact assets are. For a company that has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

1.1.3. Return on Equity

Shows how efficient Axos Financial Inc is using its investors money to generate profit.

Above 15%-20% is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
5.0% Return on Equity means Axos Financial Inc generated $0.05 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Axos Financial Inc:

The MRQ is 5.0%. Using its investors money, the company is less efficient in making profit.
The TTM is 5.3%. Using its investors money, the company is less efficient in making profit.

Trends

Current period		Compared to		+/-
MRQ	5.0%	TTM	5.3%	-0.2%
TTM	5.3%	YOY	4.0%	+1.3%
TTM	5.3%	5Y	4.2%	+1.0%
5Y	4.2%	10Y	4.3%	0.0%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	5.0%	3.1%	+1.9%
TTM	5.3%	2.5%	+2.8%
YOY	4.0%	2.7%	+1.3%
5Y	4.2%	2.5%	+1.7%
10Y	4.3%	2.8%	+1.5%

Shows how efficient Axos Financial Inc is using its investors money to generate profit.

A publicly traded company (any company that issues shares to the public) is owned by its shareholders. Return on equity calculates the amount of profit for every $1 the shareholders invested.

How to use return on equity

Higher is better.
Above 15%-20% is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on equity in their analysis

To find out the owners/management's attitude toward their company. You typically want the owners/management to invest in the company and focus on generating profit. If not enough profit is generated (compared to the Banks - Regional industry mean), the company might not be investing their money efficiently.

The three steps every investor should look at:

What is the current return on equity?
The current most recent quarter (MRQ) Return on Equity of Axos Financial Inc is 5.0%. This means Axos Financial Inc generated $0.05 for each $1 the owners (shareholders) invested.
How does it compare to the industry?
The mean MRQ Return on Equity of the Banks - Regional industry is 3.1%.
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if Axos Financial Inc existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Does not include intangible assets (non physical assets like licences, computer software, etc.).
Stockholders equity and shareholders equity refer to the same thing.
Liabilities should not be more than three times return on equity.

How to calculate return on equity

Return on equity = net profit / shareholders equity * 100%

Real example of Axos Financial Inc

You need the following data to determine ROE:

Income statement
Balance sheet
Net profit MRQ (income statement) Axos Financial Inc = 110,720
Shareholders equity (balance sheet) MRQ Axos Financial Inc = 2,196,293
110,720 / 2,196,293 = 0.05 or 5.0%

A negative shareholder equity is a warning sign. It means the company has more liabilities than assets. It might also mean that the owners did not invest enough money or they are taking money out of the business.

1.2. Operating Efficiency of Axos Financial Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Measures how efficient Axos Financial Inc is operating .

Measures how much profit Axos Financial Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
Above 15% is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
An Operating Margin of 70.8% means the company generated $0.71 for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Axos Financial Inc:

The MRQ is 70.8%. The company is operating very efficient. +2
The TTM is 73.2%. The company is operating very efficient. +2

Trends

Current period		Compared to		+/-
MRQ	70.8%	TTM	73.2%	-2.4%
TTM	73.2%	YOY	75.5%	-2.3%
TTM	73.2%	5Y	69.3%	+3.8%
5Y	69.3%	10Y	74.5%	-5.1%

Measures how efficient Axos Financial Inc is operating .

The more effecient a company creates products or provides services, the more profit it generates.

How to use operating margin

Higher is better
Above 15% is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
Can be very different between industries
Can be used to compare companies

Why do investors use operating margin in their analysis

To determine how much profit Axos Financial Inc is making from it’s core business.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Operating Margin of Axos Financial Inc is 70.8%. This means that Axos Financial Inc earned $0.71 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Margin of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Can be calculated in different ways

How to calculate operating margin

Operating margin = operating earnings / total revenue

Real example of Axos Financial Inc

You need the following data to determine operating margin:

Income statement
Operating earnings MRQ Axos Financial Inc = 155,541
Total revenue MRQ Axos Financial Inc = 476,727
$155,541 / $476,727 = 0.71 or 70.8%

Operating margin is used to calculate how much profit a company makes after variable costs of production but before paying interest and taxes. Some variable costs examples are wages, raw materials, packaging, and transaction fees. The amount of variable costs is different for each company and industry. In general, a higher operating margin is better as this implicates that a company is running efficiently.

For investors, a higher operating margin is a good sign. Although you should always look at operating margin in the long term. If operating margin is fluctuating over the years this might be a sign that things are not running efficiently enough. It’s a way to check how much profit a company is making from its core business.

Operation earnings can be calculated in multiple ways:

Operation earnings = EBIT - non operating income + non operating expense
Operation earnings = Gross profit - operating expense - depreciation and amortisation
Operation earnings = Total revenue - COGS (costs of goods sold) - indirect costs

1.2.2. Operating Ratio

Measures how efficient Axos Financial Inc is keeping operating costs low.

Below 1 is considered healthy (always compare to Banks - Regional industry mean).
An Operation Ratio of 0.18 means that the operating costs are $0.18 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Axos Financial Inc:

The MRQ is 0.184. The company is very efficient in keeping operating costs low. +2
The TTM is -0.053.

Trends

Current period		Compared to		+/-
MRQ	0.184	TTM	-0.053	+0.236
TTM	-0.053	YOY	-0.036	-0.017
TTM	-0.053	5Y	-0.055	+0.002
5Y	-0.055	10Y	0.091	-0.146

Measures how efficient Axos Financial Inc is keeping operating costs low.

If the operating ratio is below 1 that means the company is making money. The lower the operating ratio, the more efficient the company.

How to use operating ratio

Lower is better.
Below 1 is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use operating ratio in their analysis

Shows if costs of creating products and or services is increasing or decreasing. The lower the operating ratio, the more efficient the company is creating products and services.

The three steps every investor should look at:

What is the current Operatin ratio?
The current most recent quarter (MRQ) Operating Ratio of Axos Financial Inc is 18.4%. This means that Axos Financial Inc earned $0.18 for each $1 in net sales in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
You need COGS to calculate operating ratio which is not always shown in the income statement.
Does not consider debt.

How to calculate operating ratio

Operating ratio = Operating expenses + COGS \ Net sales

Real life example Axos Financial Inc

You need the following data to determine operating ratio:

Income statement

COGS is not always specified on the income statement. If so you can use the following calculation:

(cost of revenue + total operating expenses) \ total revenue
(33,163 +54,334) \ 476,727 = 0.18

The operating ratio measures the efficiency of a company at keeping low costs while generating profits from sales. It compares the total operating expenses to the net amount of sales. The total operating expenses exists of:

COGS (materials, labour, rent of facility, repairs)
Operating expenses (legal fees, marketing, wages, rent, maintenance/repairs)

Operating expenses are all the costs the company makes that are not directly tied to the production of the service or product. Where COGS are costs that are directly tied to the production of a product or service.

Do note that COGS is not always available in the income statement. Some companies include COGS in the operating expenses while others list COGS separately. To make it even more confusing, COGS is also known as “costs of sales” and costs of sales is the same as costs of revenue.

The operating ratio tells you how efficient the company is creating its products or services while keeping prices low. In this case, a lower ratio is better. Higher or rising operating ratios might tell you that costs are rising while sales are not improving or staying the same.

1.3. Liquidity of Axos Financial Inc.

1.3. Liquidity

1.3.1. Current Ratio

Measures if Axos Financial Inc is able to pay off Short-term Debt.

Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
A Current Ratio of 0.79 means the company has $0.79 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Axos Financial Inc:

The MRQ is 0.787. The company is just not able to pay all its short-term debts. -1
The TTM is 2.674. The company is able to pay all its short-term debts. +1

Trends

Current period		Compared to		+/-
MRQ	0.787	TTM	2.674	-1.887
TTM	2.674	YOY	2.982	-0.309
TTM	2.674	5Y	2.248	+0.426
5Y	2.248	10Y	63.908	-61.660

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
TTM	2.674	0.124	+2.550
YOY	2.982	0.167	+2.815
5Y	2.248	0.207	+2.041
10Y	63.908	0.131	+63.777

Measures if Axos Financial Inc is able to pay off Short-term Debt.

How to use current ratio

Higher is better
Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
Can be very different between industries
Can be used to compare companies

Why do investors use current ratio in their analysis

Shows if the company can pay of short term debts if needed. A company that can't pay off it's short term debts might get in trouble if they have to pay off their short term debts for whatever reason. For example, markets can change due to global events like covid-19 or the war in Ukraine versus Russia. Because debts are always taken based on future income, it might become troublesome for Axos Financial Inc if something happens in the market that will cause sales to plummet.

The three steps every investor should look at:

What is the current current Ratio?
The current most recent quarter (MRQ) Current Ratio of Axos Financial Inc is 0.79. This means Axos Financial Inc has $0.79 in assets for each $1 in short-term debts.
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Might be deluded.
Not all assets can always be quickly sold.
Can be manipulated by increasing or decreasing the assets and/or liabilities.

How to calculate current ratio

Current ratio = current assets \ current liabilities

Real life example Axos Financial Inc

You need the following data to determine operating ratio:

Balance sheet
Current ratio = current assets \ current liabilities
399,075 \ 506,976) = 0.79

The current ratio measures if Axos Financial Inc is able to pay short-term debts (obligations). Short term in this context means all debt obligations that are about to expire within one year. The current ratio incorporates current liabilities and current assets. Current assets are all the assets a company has that are expected to be consumed or sold within standard business operations. You can find the current assets in the balance sheet. They consist of:

Inventory
Accounts receivable
Marketable securities
Prepaid expenses
Cash
Cash equivalents
liquid assets

The current liabilities are short term obligations that are due within one year. These consist of:

Short term debts
Dividends
Income taxes
Short-term debts
Accounts payable
Interest payments

The result shows an investor if Axos Financial Inc is able to pay all its short-term debts if they were due all at once. When the result of the above formula is below 1, then Axos Financial Inc does not have enough capital after selling all its assets to pay all short-term debts. If the ratio drops far below 1 that might indicate Axos Financial Inc is or will be in financial trouble anytime soon.

Although this gives an investor some clues, the current ratio may also be deluded. Because owning assets does not mean the company can easily sell them. Also, Accounts receivable may be quite old (they will probably never pay) which deludes the current ratio. As with all ratios, you should only compare them between the same industries and companies.

1.3.2. Quick Ratio

Measures if Axos Financial Inc is able to pay off Short-term Debt but only using the most liquid assets.

Above 1 is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
A Quick Ratio of 5.60 means the company can pay off $5.60 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Axos Financial Inc:

The MRQ is 5.597. The company is very able to pay all its short-term debts with the most liquid assets. +2
The TTM is 4.335. The company is very able to pay all its short-term debts with the most liquid assets. +2

Trends

Current period		Compared to		+/-
MRQ	5.597	TTM	4.335	+1.262
TTM	4.335	YOY	3.487	+0.847
TTM	4.335	5Y	3.159	+1.175
5Y	3.159	10Y	10.751	-7.592

Measures if Axos Financial Inc is able to pay off Short-term Debt but only using the most liquid assets.

How to use quick ratio

Higher is better.
Above 1 is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use quick ratio in their analysis

Shows how fast Axos Financial Inc can pay off its short term debts. This shows if Axos Financial Inc can survive emergencies due to market changes or other reasons.

The three steps every investor should look at:

What is the current Quick Ratio?
The current most recent quarter (MRQ) quickRatio of Axos Financial Inc is 5.60. This means that Axos Financial Inc can pay off $5.60 for each $1 in debt (using most liquid assets).
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Incorporates only most liquid assets.

How to calculate quick ratio

Quick ratio = cash and equivalents + marketable securities + accounts receivable / current liabilities

Real life example Axos Financial Inc

You need the following data to determine operating ratio:

Balance sheet
Quick ratio = cash and short-term investments + short-term investments + netReceivables / total current liabilities
MRQ quick ratio Axos Financial Inc: (2,337,354 + 207,582 +292,630) / 506,976 = 5.60

The quick ratio measures the same thing as the current ratio, only it uses the most liquid assets a company has. Meaning, the assets that can be sold for cash the easiest and fastest.

As the quick ratio only incorporates the most liquid assets, you should also check the current ratio which also includes less liquid assets. But they may be harder to sell.

1.4. Solvency of Axos Financial Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Measures how much % of Axos Financial Inc assets are financed with debt.

Below 1 (100%) is considered healthy but always compare Axos Financial Inc to Banks - Regional industry mean.
A Debt to Asset Ratio of 0.90 means that Axos Financial Inc assets are financed with 90.3% credit (debt) and the remaining percentage (100% - 90.3%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of Axos Financial Inc:

The MRQ is 0.903. The company is just able to pay all its debts by selling its assets.
The TTM is 0.904. The company is just able to pay all its debts by selling its assets.

Trends

Current period		Compared to		+/-
MRQ	0.903	TTM	0.904	-0.001
TTM	0.904	YOY	0.906	-0.002
TTM	0.904	5Y	0.905	-0.001
5Y	0.905	10Y	0.906	-0.001

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	0.903	0.915	-0.012
TTM	0.904	0.916	-0.012
YOY	0.906	0.918	-0.012
5Y	0.905	0.919	-0.014
10Y	0.906	0.926	-0.020

Measures how much % of Axos Financial Inc assets are financed with debt.

When there are more debts than assets, that means creditors have a larger stake Axos Financial Inc than its shareholders.

How to use debt to asset ratio

Lower is better.
below 1 (100%) is considered healthy but always compare Axos Financial Inc to Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to asset ratio in their analysis

It shows how much debt the company used to finance its assets. If a company is almost entirely financed with debt that means the company might get into serious trouble when emergencies arise like a raise in interest.

The three steps every investor should look at:

What is the current debt to asset ratio?
The current most recent quarter (MRQ) Debt to Asset Ratio of Axos Financial Inc is 0.90. This means means that Axos Financial Inc is financed with 90.3% credit and the remaining percentage is financed by it's owners (shareholders).
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Some companies can have higher debt to assets ratio's (for example, banks).
Debt to asset ratio should improve over the years.
If the debt to asset ratio is above 1, look at the industry mean and find out why Axos Financial Inc has so much debt.

How to calculate debt to asset ratio

Debt to asset ratio = total debt \ total assets

Real life example Axos Financial Inc

You need the following data to determine debt to asset ratio:

Balance sheet
Debt to asset ratio = total debt \ total assets
20,445,840 \ 22,642,133 = 90.3% or 0.90.

The debt to total assets ratio shows if the company is owned by creditors or shareholders. Or in other words, the total debt in relation to the total amount of assets. It shows how much debt the company used to finance its assets.

1.4.2. Debt to Equity Ratio

Measures if Axos Financial Inc is able to pay off its debts by using shareholders equity.

Below 2 is considered healthy but always compare Axos Financial Inc to the Banks - Regional industry mean.
A Debt to Equity ratio of 930.9% means that company has $9.31 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Axos Financial Inc:

The MRQ is 9.309. The company is unable to pay all its debts with equity. -1
The TTM is 9.467. The company is unable to pay all its debts with equity. -1

Trends

Current period		Compared to		+/-
MRQ	9.309	TTM	9.467	-0.157
TTM	9.467	YOY	9.664	-0.198
TTM	9.467	5Y	9.569	-0.103
5Y	9.569	10Y	9.673	-0.104

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	9.309	10.799	-1.490
TTM	9.467	10.909	-1.442
YOY	9.664	11.266	-1.602
5Y	9.569	11.324	-1.755
10Y	9.673	12.886	-3.213

Measures if Axos Financial Inc is able to pay off its debts by using shareholders equity.

How to use debt to equity ratio

Lower is better.
Below 2 is considered healthy (always use industry average).
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to shareholders equity ratio in their analysis

It shows how much debt the company uses to finance their operations. Shareholders equity is whats left over when you subtract total liabilities from total assets. It's another way to meassure how much of Axos Financial Inc is financed with debt or own resources.

The three steps every investor should look at:

What is the current debt to equity ratio?
The current most recent quarter (MRQ) quickRatio of Axos Financial Inc is 9.31. This means that Axos Financial Inc can pay off $9.31 for each $1 in debt.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 10.80.
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Not all debt is equally risky (for example, short term risk is less risky).

How to calculate debt to equity ratio

Debt to equity ratio = total debt \ shareholders equity.

Real life example Axos Financial Inc

You need the following data to determine equity ratio:

Balance sheet
Debt to equity ratio = total debt \ shareholders equity
20,445,840 \ 2,196,293 = 9.31 or 930.9%

Debt to equity measures the total debt versus the total shareholders equity. While the total debts to total assets ratio uses total assets, the debt to equity ratio looks at the total equity of shareholders. Where equity of shareholders are:

Common shares.
Preferred shares.
Retained earnings.

You can find the shareholders' equity in the balance sheet. A ratio between 0,5 and 1,5 is preferred. If the ratio is above 1.5, that would indicate creditors have significantly more stake (debt) in the company than the shareholders. In other words, the company is using a lot of debt to finance their operations.

Not all debt is equally risky. Meaning you can adjust the ratio by including or excluding certain amounts of debt. Short term debts are less risky because they have to be paid back within one year anyway. It’s much easier to plan one year ahead versus five or ten years.

2. Market Valuation of Axos Financial Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Axos Financial Inc generates.

Above 15 is considered overpriced but always compare Axos Financial Inc to the Banks - Regional industry mean.
A PE ratio of 7.08 means the investor is paying $7.08 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Axos Financial Inc:

The EOD is 8.000. Based on the earnings, the company is underpriced. +1
The MRQ is 7.082. Based on the earnings, the company is cheap. +2
The TTM is 6.470. Based on the earnings, the company is cheap. +2

Trends

Current period		Compared to		+/-
EOD	8.000	MRQ	7.082	+0.919
MRQ	7.082	TTM	6.470	+0.611
TTM	6.470	YOY	8.074	-1.604
TTM	6.470	5Y	9.206	-2.736
5Y	9.206	10Y	19.221	-10.015

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	8.000	3.564	+4.436
MRQ	7.082	3.418	+3.664
TTM	6.470	4.741	+1.729
YOY	8.074	6.901	+1.173
5Y	9.206	9.496	-0.290
10Y	19.221	9.770	+9.451

Measures how much money you pay for each share for every $1 in earnings Axos Financial Inc generates.

Indicates if the company’s shares are under or overvalued.

How to use PE ratio

Above 15 is considered overpriced but is hard to determine. Always compare Axos Financial Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use PE ratio in their analysis

The PE ratio tells investors the current sentiment in the market for that company. As with every stock, the stock price never shows the real valuation of a company but rather how the market thinks how much the stock is worth.

In other words, the current stock price also incorporates any future earnings or business opportunities in the future. The best example is the stock market crash in 2000. The PE ratio for any internet based company was going through the roof. Only based on the general assumption the internet and all associated businesses would thrive in the future. But this was based on nothing. A business still needs a good product or service to be able to survive. Instead, every investor bought any stock which did something related to the internet. Result: huge market crash.

Many investors were willing to pay premium prices and that was causing the PE ratio to rise. A high PE ratio is a warning sign that investors might be overvaluing a stock based on future earnings.

The three steps every investor should look at:

What is the current PE Ratio?
The current most recent quarter (MRQ) PE Ratio of Axos Financial Inc is 7.08. This means the investor is paying $7.08 for every $1 in earnings.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 3.42.
What is the trend?
The trend is important because it shows you how Axos Financial Inc is performing over time. The most recent quarter might be important if Axos Financial Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Axos Financial Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Some industries might have very high or very low PE ratios in general.
PE ratios can be high for several years, it does not mean a sudden collapse is imminent.
Earnings growth is not included in the PE ratio.

How to calculate PE ratio

PE ratio = market value per share \ earnings per share

Real life example Axos Financial Inc

You need the following data to determine the PE ratio:

Balance sheet
Income statement

The PE ratio is a very commonly used ratio to determine the value of a company by comparing the current stock price relative to its earnings per share (EPS). Before we can calculate the PE ratio we need to know the EPS. EPS is calculated as follows:

EPS = (net profit - preferred dividends) \ end of period outstanding shares*
Net profit = revenue - expenses
0 \ 58,038 = EPS
PE ratio MRQ = 7.08

* The net profit minus preferred dividends can be found in the incomestatement as netIncomeApplicableToCommonShares.

The PE value helps investors to determine if the current stock price is under or overvalued. It also projects future growth.

In general, a higher PE ratio means that investors predict higher future growth. If the PE ratio is too high, then investors expect way too much future growth the company can never fulfil. This is most likely to happen in faster moving companies like tech companies or automobile companies like Tesla. These are hot and booming markets where investors expect much future growth driven by new technology (electric cars). When looking at the current MRQ (most recent quarter) PE ratio of Tesla ( jan. 2021) it's about 247 while the average in the industry is only 6. That might be a clue that Tesla is trading for way too high prices compared to their current assets and is more based on future growth.

2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Axos Financial Inc:

The EOD is 8.552. Based on how much money comes from the company's main activities, the company is cheap. +2
The MRQ is 7.570. Based on how much money comes from the company's main activities, the company is cheap. +2
The TTM is 11.516. Based on how much money comes from the company's main activities, the company is cheap. +2

Trends

Current period		Compared to		+/-
EOD	8.552	MRQ	7.570	+0.982
MRQ	7.570	TTM	11.516	-3.946
TTM	11.516	YOY	2.329	+9.187
TTM	11.516	5Y	7.954	+3.562
5Y	7.954	10Y	26.952	-18.998

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	8.552	-2.461	+11.013
MRQ	7.570	-2.360	+9.930
TTM	11.516	-1.072	+12.588
YOY	2.329	6.461	-4.132
5Y	7.954	0.248	+7.706
10Y	26.952	0.032	+26.920

2. Book Value per Share

2.3. Price to Book Ratio

Measures if the stock price of Axos Financial Inc is to cheap or to expensive compared to its book value.

At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
A PB ratio of 1.43 means the investor is paying $1.43 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Axos Financial Inc:

The EOD is 1.613. Based on the equity, the company is underpriced. +1
The MRQ is 1.428. Based on the equity, the company is underpriced. +1
The TTM is 1.331. Based on the equity, the company is underpriced. +1

Trends

Current period		Compared to		+/-
EOD	1.613	MRQ	1.428	+0.185
MRQ	1.428	TTM	1.331	+0.097
TTM	1.331	YOY	1.260	+0.071
TTM	1.331	5Y	1.512	-0.181
5Y	1.512	10Y	3.275	-1.763

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	1.613	0.438	+1.175
MRQ	1.428	0.420	+1.008
TTM	1.331	0.439	+0.892
YOY	1.260	0.594	+0.666
5Y	1.512	0.763	+0.749
10Y	3.275	0.991	+2.284

2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Axos Financial Inc.

3.1. Institutions holding Axos Financial Inc

Institutions are holding 88.539% of the shares of Axos Financial Inc.

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2023-12-31	BlackRock Inc	14.6399	0.0116	8329879	-131087	-1.5493
2023-12-31	Vanguard Group Inc	10.429	0.0071	5933947	-39459	-0.6606
2023-12-31	State Street Corporation	6.1542	0.0093	3501675	828582	30.9971
2023-12-31	Davis Asset Management, L.P.	5.2725	3.9997	3000000	1500000	100
2023-12-31	Dimensional Fund Advisors, Inc.	4.788	0.0434	2724331	134266	5.1839
2023-12-31	Goldman Sachs Group Inc	2.7958	0.0078	1590762	1219311	328.2562
2023-12-31	Geode Capital Management, LLC	2.0144	0.0066	1146188	28683	2.5667
2023-12-31	Wasatch Advisors LP	1.8774	0.3213	1068209	-141277	-11.6807
2023-12-31	American Century Companies Inc	1.7068	0.0365	971131	-424584	-30.4205
2023-12-31	FMR Inc	1.5119	0.0036	860237	19631	2.3353
2023-12-31	Nuveen Asset Management, LLC	1.5049	0.015	856252	-1619	-0.1887
2023-12-31	Jarislowsky Fraser Ltd	1.4511	0.2651	825667	-18691	-2.2136
2023-12-31	Northern Trust Corp	1.3518	0.0076	769182	-11075	-1.4194
2023-12-31	Morgan Stanley - Brokerage Accounts	1.3428	0.0037	764026	89584	13.2827
2023-12-31	Geneva Capital Management	1.2797	0.7508	728143	507	0.0697
2023-12-31	Ameriprise Financial Inc	1.0894	0.0101	619880	-756735	-54.9707
2023-12-31	Charles Schwab Investment Management Inc	1.078	0.0085	613391	10716	1.7781
2023-12-31	Bank of New York Mellon Corp	0.9484	0.006	539605	-22290	-3.9669
2024-03-31	Shaker Investments, L.L.C.	0.8195	10.6725	466277	-1255	-0.2684
2023-12-31	Rice Hall James & Associates, LLC	0.8044	1.4471	457692	-142130	-23.6954
Total		62.8599	17.6333	35766474	+2141078	+6.0%

3.2. Funds holding Axos Financial Inc

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2024-03-28	iShares Core S&P Small-Cap ETF	6.0025	0.2297	3415322	0	0
2024-03-31	Vanguard Total Stock Mkt Idx Inv	2.9072	0.0056	1654165	6593	0.4002
2024-03-28	iShares Russell 2000 ETF	2.3559	0.1106	1340497	19330	1.4631
2024-03-31	Vanguard Small Cap Index	2.2956	0.048	1306154	-33193	-2.4783
2024-03-31	SPDR® S&P Regional Banking ETF	1.6266	1.6697	925516	0	0
2024-03-31	Vanguard Small Cap Value Index Inv	1.547	0.0853	880213	-34453	-3.7667
2024-03-29	Avantis US Small Cap Value ETF	1.3279	0.3765	755567	0	0
2024-03-31	Vanguard Institutional Extnd Mkt Idx Tr	1.3189	0.0386	750438	-7634	-1.007
2024-01-31	Fidelity Small Cap Index	0.9882	0.1257	562286	9268	1.6759
2024-02-29	DFA US Targeted Value I	0.8987	0.2065	511321	0	0
2024-02-29	Fidelity Value	0.898	0.2898	510969	0	0
2023-12-31	Wasatch Small Cap Value	0.8153	1.7733	463916	-66301	-12.5045
2024-03-28	iShares Russell 2000 Value ETF	0.8006	0.1963	455533	0	0
2024-03-28	SPDR® Portfolio S&P 600 Sm Cap ETF	0.788	0.2304	448350	460	0.1027
2024-03-29	Dimensional US Targeted Value ETF	0.7489	0.2292	426118	0	0
2024-03-28	SPDR® S&P Bank ETF	0.7289	1.4414	414742	0	0
2024-03-31	Vanguard Tax-Managed Small Cap Adm	0.6875	0.2326	391161	-10185	-2.5377
2024-02-29	CREF Stock R1	0.6729	0.0163	382890	0	0
2024-02-29	DFA US Small Cap I	0.6048	0.1156	344148	0	0
2024-03-31	FPA Queens Road Small Cap Value Inv	0.5945	2.5692	338282	0	0
Total		28.6079	9.9903	16277588	-116115	-0.7%

3.3. Insider Transactions

Insiders are holding 9.487% of the shares of Axos Financial Inc.

Date	Owner	Type	Amount	Price
2024-03-15	Sara Wardell-smith	BUY	5000	49.75
2024-02-27	Andrew J Micheletti	SELL	2500	52.89
2024-02-06	Andrew J Micheletti	SELL	1548	51.57
2023-12-14	Andrew J Micheletti	SELL	5000	53.96
2023-12-12	Edward James Ratinoff	SELL	3000	48.86
2023-09-14	Andrew J Micheletti	SELL	5000	42.62
2023-08-03	Gregory Garrabrants	SELL	85312	45.36
2023-08-01	Gregory Garrabrants	SELL	40000	45.53
2023-06-13	Andrew J Micheletti	SELL	6000	41.29

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Axos Financial Inc compared to the Most Recent Quarter (MRQ).

	End of day	+/-	Most Recent Quarter	Trailing 12 Months	+/-	Year-Over-Year	+/-	5 Year	+/-	10 Year	+/-
Book Value Change Per Share	-	-	1.970	1.856	+6%	1.064	+85%	1.048	+88%	0.801	+146%
Book Value Per Share	-	-	37.843	34.717	+9%	28.830	+31%	25.544	+48%	18.510	+104%
Current Ratio	-	-	0.787	2.674	-71%	2.982	-74%	2.248	-65%	63.908	-99%
Debt To Asset Ratio	-	-	0.903	0.904	0%	0.906	0%	0.905	0%	0.906	0%
Debt To Equity Ratio	-	-	9.309	9.467	-2%	9.664	-4%	9.569	-3%	9.673	-4%
Dividend Per Share	-	-	-	0.225	-100%	0.012	-100%	0.048	-100%	0.025	-100%
Eps	-	-	1.908	1.843	+4%	1.148	+66%	1.110	+72%	0.798	+139%
Free Cash Flow Per Share	-	-	1.785	1.247	+43%	0.955	+87%	1.086	+64%	0.831	+115%
Free Cash Flow To Equity Per Share	-	-	16.447	10.673	+54%	16.895	-3%	9.323	+76%	7.246	+127%
Gross Profit Margin	-	-	0.907	0.906	+0%	0.888	+2%	0.917	-1%	0.918	-1%
Intrinsic Value_10Y_max	-	-	109.362	-	-	-	-	-	-	-	-
Intrinsic Value_10Y_min	-	-	41.336	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_max	-	-	4.819	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_min	-	-	3.487	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_max	-	-	19.159	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_min	-	-	11.106	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_max	-	-	39.140	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_min	-	-	19.356	-	-	-	-	-	-	-	-
Market Cap	3477865875.000	+10%	3136357199.920	2729677859.870	+15%	2195933990.593	+43%	2302199776.137	+36%	2624712959.557	+19%
Net Profit Margin	-	-	0.232	0.305	-24%	0.326	-29%	0.328	-29%	0.339	-32%
Operating Margin	-	-	0.708	0.732	-3%	0.755	-6%	0.693	+2%	0.745	-5%
Operating Ratio	-	-	0.184	-0.053	+129%	-0.036	+120%	-0.055	+130%	0.091	+101%
Pb Ratio	1.613	+11%	1.428	1.331	+7%	1.260	+13%	1.512	-6%	3.275	-56%
Pe Ratio	8.000	+11%	7.082	6.470	+9%	8.074	-12%	9.206	-23%	19.221	-63%
Price Per Share	61.050	+11%	54.040	46.485	+16%	36.305	+49%	38.232	+41%	42.636	+27%
Price To Free Cash Flow Ratio	8.552	+11%	7.570	11.516	-34%	2.329	+225%	7.954	-5%	26.952	-72%
Price To Total Gains Ratio	30.997	+11%	27.438	25.626	+7%	34.766	-21%	42.256	-35%	74.345	-63%
Quick Ratio	-	-	5.597	4.335	+29%	3.487	+61%	3.159	+77%	10.751	-48%
Return On Assets	-	-	0.005	0.005	-3%	0.004	+31%	0.004	+22%	0.004	+22%
Return On Equity	-	-	0.050	0.053	-4%	0.040	+27%	0.042	+19%	0.043	+18%
Total Gains Per Share	-	-	1.970	2.081	-5%	1.076	+83%	1.096	+80%	0.825	+139%
Usd Book Value	-	-	2196293000.000	2041971000.000	+8%	1743902000.000	+26%	1537361400.000	+43%	1132631150.000	+94%
Usd Book Value Change Per Share	-	-	1.970	1.856	+6%	1.064	+85%	1.048	+88%	0.801	+146%
Usd Book Value Per Share	-	-	37.843	34.717	+9%	28.830	+31%	25.544	+48%	18.510	+104%
Usd Dividend Per Share	-	-	-	0.225	-100%	0.012	-100%	0.048	-100%	0.025	-100%
Usd Eps	-	-	1.908	1.843	+4%	1.148	+66%	1.110	+72%	0.798	+139%
Usd Free Cash Flow	-	-	103581000.000	72959750.000	+42%	57665500.000	+80%	65342550.000	+59%	51150425.000	+103%
Usd Free Cash Flow Per Share	-	-	1.785	1.247	+43%	0.955	+87%	1.086	+64%	0.831	+115%
Usd Free Cash Flow To Equity Per Share	-	-	16.447	10.673	+54%	16.895	-3%	9.323	+76%	7.246	+127%
Usd Market Cap	3477865875.000	+10%	3136357199.920	2729677859.870	+15%	2195933990.593	+43%	2302199776.137	+36%	2624712959.557	+19%
Usd Price Per Share	61.050	+11%	54.040	46.485	+16%	36.305	+49%	38.232	+41%	42.636	+27%
Usd Profit	-	-	110720000.000	108123000.000	+2%	69426250.000	+59%	66639800.000	+66%	48810650.000	+127%
Usd Revenue	-	-	476727000.000	367073000.000	+30%	211449000.000	+125%	207901400.000	+129%	148688350.000	+221%
Usd Total Gains Per Share	-	-	1.970	2.081	-5%	1.076	+83%	1.096	+80%	0.825	+139%
	EOD	+4 -4	MRQ	TTM	+23 -13	YOY	+24 -12	5Y	+28 -8	10Y	+26 -10

4.2. Fundamental Score

Let's check the fundamental score of Axos Financial Inc based on Penke's default stock scanner.

Penke's Stock Scanner

Indicator	Condition		Value
Price to Earnings Ratio (EOD)	Between	0-15	8.000
Price to Book Ratio (EOD)	Between	0-1	1.613
Net Profit Margin (MRQ)	Greater than	0	0.232
Operating Margin (MRQ)	Greater than	0	0.708
Quick Ratio (MRQ)	Greater than	1	5.597
Current Ratio (MRQ)	Greater than	1	0.787
Debt to Asset Ratio (MRQ)	Less than	1	0.903
Debt to Equity Ratio (MRQ)	Less than	1	9.309
Return on Equity (MRQ)	Greater than	0.15	0.050
Return on Assets (MRQ)	Greater than	0.05	0.005
Total			5/10 (50.0%)

Create your own Stock Scanner

Investing is personal. The best investors buy stocks based on their own analysis. Create your personal Stock Scanner with the key performance indicators that are important to you.
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4.3. Technical Score

Let's check the technical score of Axos Financial Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	74.067
Ma 20	Greater than	Ma 50	54.630
Ma 50	Greater than	Ma 100	52.537
Ma 100	Greater than	Ma 200	53.020
Open	Greater than	Close	60.700
Total			3/5 (60.0%)

Create your own Symbol Scanner

Trading is personal. The best traders buy and sell based on their own technical analysis. Create your personal Symbol Scanner with the technical indicators that are important to you.
Create your own Symbol Scanner

Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

		2023-03-31		2023-06-30		2023-09-30		2023-12-31		2024-03-31
Long-term Assets Other		-305,408	71,190	-234,218	-32,486	-266,704	-1,480	-268,184	22,322,549	22,054,365
Net Working Capital		1,663,457	479,403	2,142,860	-610,176	1,532,684	-479,154	1,053,530	-1,161,431	-107,901

Latest Balance Sheet

Balance Sheet of 2024-03-31. Currency in USD. All numbers in thousands.

Summary

Total Assets	22,642,133
Total Liabilities	20,445,840
Total Stockholder Equity	2,196,293

	As reported
Total Liabilities	20,445,840
Total Stockholder Equity	+ 2,196,293
Total Assets	= 22,642,133

Assets

Total Assets	22,642,133
Total Current Assets	399,075
Long-term Assets	22,243,058

Total Current Assets

Total Current Assets (as reported)	399,075
Cash And Cash Equivalents	2,129,772
Short-term Investments	207,582
Net Receivables	292,630
Inventory	-2,629,984
Other Current Assets	399,075
Total Current Assets (calculated)	399,075
+/-	0

Long-term Assets

Long-term Assets (as reported)	22,243,058
Goodwill	144,324
Long Term Investments	208,174
Intangible Assets	28,130
Long-term Assets Other	22,054,365
Long-term Assets (calculated)	22,434,993
+/-	191,935

Liabilities & Shareholders' Equity

Total Current Liabilities	506,976
Long-term Liabilities	19,938,864
Total Stockholder Equity	2,196,293

Total Current Liabilities

Total Current Liabilities (as reported)	506,976
Short-term Debt	132,433
Accounts payable	387,176
Other Current Liabilities	-12,633
Total Current Liabilities (calculated)	506,976
+/-	0

Long-term Liabilities

Long-term Liabilities (as reported)	19,938,864
Long term Debt	420,389
Long-term Liabilities (calculated)	420,389
+/-	19,518,475

Total Stockholder Equity

Total Stockholder Equity (as reported)	2,196,293
Common Stock	700
Retained Earnings	2,080,745
Accumulated Other Comprehensive Income	-3,064
Other Stockholders Equity	117,912
Total Stockholder Equity (calculated)	2,196,293
+/-	0

Other

Capital Stock	700
Cash and Short Term Investments	2,337,354
Common Stock Shares Outstanding	58,038
Liabilities and Stockholders Equity	22,642,133
Net Debt	-1,521,461
Net Invested Capital	2,616,682
Net Working Capital	-107,901
Short Long Term Debt Total	608,311

Balance Sheet

Currency in USD. All numbers in thousands.

Trend

2024-03-31

2023-12-31

2023-09-30

2023-06-30

2023-03-31

2022-12-31

2022-09-30

2022-06-30

2022-03-31

2021-12-31

2021-09-30

2021-06-30

2021-03-31

2020-12-31

2020-09-30

2020-06-30

2020-03-31

2019-12-31

2019-09-30

2019-06-30

2019-03-31

2018-12-31

2018-09-30

2018-06-30

2018-03-31

2017-12-31

2017-09-30

2017-06-30

2017-03-31

2016-12-31

2016-09-30

2016-06-30

2016-03-31

2015-12-31

2015-09-30

2015-06-30

2015-03-31

2014-12-31

2014-09-30

2014-06-30

2014-03-31

2013-12-31

2013-09-30

2013-06-30

2013-03-31

2012-12-31

2012-09-30

2012-06-30

2012-03-31

2011-12-31

2011-09-30

2011-06-30

2011-03-31

2010-12-31

2010-09-30

2010-06-30

2010-03-31

2009-12-31

2009-09-30

2009-06-30

2009-03-31

2008-12-31

2008-09-30

2008-06-30

2008-03-31

2007-12-31

2007-09-30

2007-06-30

2007-03-31

2006-12-31

2006-09-30

2006-06-30

2006-03-31

2005-12-31

2005-09-30

2005-06-30

2005-03-31

2004-12-31

2004-09-30

2004-06-30

2003-06-30

> Total Assets

273,464
405,039
453,939
513,108
532,941
609,508
654,462
681,492
704,667
737,835
766,223
803,368
846,976
947,163
1,024,713
1,040,184
1,110,104
1,194,245
1,170,915
1,220,451
1,249,189
1,302,208
1,324,069
1,345,313
1,401,143
1,421,081
1,517,993
1,660,835
1,736,178
1,940,087
2,097,042
2,223,797
2,278,030
2,386,845
2,617,319
2,874,322
2,961,663
3,090,771
3,284,182
3,568,299
3,850,825
4,402,999
4,824,863
5,194,721
5,528,520
5,823,719
6,259,648
6,662,215
7,705,622
7,601,354
7,855,043
8,167,876
8,700,031
8,501,680
8,581,628
8,915,959
9,982,320
9,539,504
9,791,520
9,810,096
10,875,561
11,220,238
11,770,861
12,269,288
12,159,919
13,851,900
13,382,238
14,393,267
14,827,874
14,265,565
14,906,750
15,547,947
16,080,950
17,455,605
18,407,078
18,741,035
19,782,481
20,348,469
20,825,206
21,623,764
22,642,133

22,642,133

21,623,764

20,825,206

20,348,469

19,782,481

18,741,035

18,407,078

17,455,605

16,080,950

15,547,947

14,906,750

14,265,565

14,827,874

14,393,267

13,382,238

13,851,900

12,159,919

12,269,288

11,770,861

11,220,238

10,875,561

9,810,096

9,791,520

9,539,504

9,982,320

8,915,959

8,581,628

8,501,680

8,700,031

8,167,876

7,855,043

7,601,354

7,705,622

6,662,215

6,259,648

5,823,719

5,528,520

5,194,721

4,824,863

4,402,999

3,850,825

3,568,299

3,284,182

3,090,771

2,961,663

2,874,322

2,617,319

2,386,845

2,278,030

2,223,797

2,097,042

1,940,087

1,736,178

1,660,835

1,517,993

1,421,081

1,401,143

1,345,313

1,324,069

1,302,208

1,249,189

1,220,451

1,170,915

1,194,245

1,110,104

1,040,184

1,024,713

947,163

846,976

803,368

766,223

737,835

704,667

681,492

654,462

609,508

532,941

513,108

453,939

405,039

273,464

> Total Current Assets

0
0
0
11,846
80,982
17,587
12,747
11,949
12,401
21,349
168,041
204,198
259,589
19,328
387,481
390,394
302,318
11,934
4,283
5,364
4,479
9,309
10,450
8,868
9,672
10,874
9,778
11,442
10,074
12,397
13,311
15,544
15,532
28,510
31,270
36,390
149,844
391,634
204,403
138,239
140,047
3,925,157
4,359,383
4,762,876
5,110,339
5,416,322
5,854,587
6,196,247
7,191,655
7,111,211
7,383,297
7,758,715
8,300,719
8,205,024
8,336,120
8,696,468
9,779,616
9,259,205
9,488,155
9,473,727
288,832
941,830
644,023
773,300
671,744
2,164,370
907,611
1,129,898
1,148,052
1,272,774
1,000,076
1,427,947
1,738,419
1,882,522
2,037,646
2,276,244
2,324,022
2,839,451
2,161,762
1,808,580
399,075

399,075

1,808,580

2,161,762

2,839,451

2,324,022

2,276,244

2,037,646

1,882,522

1,738,419

1,427,947

1,000,076

1,272,774

1,148,052

1,129,898

907,611

2,164,370

671,744

773,300

644,023

941,830

288,832

9,473,727

9,488,155

9,259,205

9,779,616

8,696,468

8,336,120

8,205,024

8,300,719

7,758,715

7,383,297

7,111,211

7,191,655

6,196,247

5,854,587

5,416,322

5,110,339

4,762,876

4,359,383

3,925,157

140,047

138,239

204,403

391,634

149,844

36,390

31,270

28,510

15,532

15,544

13,311

12,397

10,074

11,442

9,778

10,874

9,672

8,868

10,450

9,309

4,479

5,364

4,283

11,934

302,318

390,394

387,481

19,328

259,589

204,198

168,041

21,349

12,401

11,949

12,747

17,587

80,982

11,846

Cash And Cash Equivalents

2,673
1,838
0
10,053
10,743
15,232
17,275
16,161
17,284
17,922
16,589
15,212
15,594
13,315
13,911
8,434
6,680
6,194
4,481
5,463
4,578
3,441
4,351
3,181
3,569
5,834
4,364
5,397
4,360
5,820
7,412
8,796
7,933
20,638
23,317
28,411
140,987
196,264
195,231
128,823
128,398
155,484
198,160
210,039
228,450
222,774
366,711
283,448
895,454
486,627
584,754
683,487
1,054,651
628,172
624,169
617,989
1,490,692
622,750
533,869
256,447
288,832
511,125
456,207
773,300
671,744
1,756,477
907,611
1,129,898
1,148,052
715,624
1,000,076
858,732
998,348
1,202,587
1,369,170
1,755,603
2,324,022
2,233,027
2,161,762
1,568,768
2,129,772

2,129,772

1,568,768

2,161,762

2,233,027

2,324,022

1,755,603

1,369,170

1,202,587

998,348

858,732

1,000,076

715,624

1,148,052

1,129,898

907,611

1,756,477

671,744

773,300

456,207

511,125

288,832

256,447

533,869

622,750

1,490,692

617,989

624,169

628,172

1,054,651

683,487

584,754

486,627

895,454

283,448

366,711

222,774

228,450

210,039

198,160

155,484

128,398

128,823

195,231

196,264

140,987

28,411

23,317

20,638

7,933

8,796

7,412

5,820

4,360

5,397

4,364

5,834

3,569

3,181

4,351

3,441

4,578

5,463

4,481

6,194

6,680

8,434

13,911

13,315

15,594

15,212

16,589

17,922

17,284

16,161

17,275

15,232

10,743

10,053

1,838

2,673

Short-term Investments

15,661
32,524
0
0
76,812
62,766
7,669
7,644
7,616
127,261
162,151
198,532
252,211
296,068
378,382
383,720
293,184
209,119
0
0
0
4,965
0
0
0
12,371
0
0
0
3,232
156,130
0
0
14,788
0
167,167
159,486
185,607
220,081
211,328
206,166
214,778
205,780
177,095
167,056
163,361
164,575
228,389
278,653
265,447
444,464
379,734
368,229
264,470
219,713
191,725
173,186
180,305
202,727
216,785
219,156
227,513
187,816
208,026
191,388
187,627
203,931
209,828
218,962
187,335
135,996
139,581
229,510
262,518
257,634
248,062
279,612
232,350
236,726
239,812
207,582

207,582

239,812

236,726

232,350

279,612

248,062

257,634

262,518

229,510

139,581

135,996

187,335

218,962

209,828

203,931

187,627

191,388

208,026

187,816

227,513

219,156

216,785

202,727

180,305

173,186

191,725

219,713

264,470

368,229

379,734

444,464

265,447

278,653

228,389

164,575

163,361

167,056

177,095

205,780

214,778

206,166

211,328

220,081

185,607

159,486

167,167

14,788

156,130

3,232

12,371

4,965

209,119

293,184

383,720

378,382

296,068

252,211

198,532

162,151

127,261

7,616

7,644

7,669

62,766

76,812

32,524

15,661

Net Receivables

0
0
0
1,793
2,046
2,355
2,561
2,901
2,951
3,427
4,056
4,516
5,252
6,013
6,676
6,161
6,216
5,740
5,740
0
0
5,868
6,099
5,687
6,103
5,040
5,414
6,045
5,714
6,577
5,899
6,748
7,599
7,872
7,953
7,979
8,857
9,763
9,172
9,416
11,649
13,863
15,368
14,094
18,063
20,268
22,364
19,060
23,913
26,201
20,172
21,538
21,271
20,781
25,183
26,053
26,889
26,729
35,951
30,616
252,900
203,192
295,188
244,379
187,353
220,266
283,125
264,572
351,063
369,815
427,169
429,634
510,561
471,857
410,842
272,579
323,359
374,074
285,423
265,857
292,630

292,630

265,857

285,423

374,074

323,359

272,579

410,842

471,857

510,561

429,634

427,169

369,815

351,063

264,572

283,125

220,266

187,353

244,379

295,188

203,192

252,900

30,616

35,951

26,729

26,889

26,053

25,183

20,781

21,271

21,538

20,172

26,201

23,913

19,060

22,364

20,268

18,063

14,094

15,368

13,863

11,649

9,416

9,172

9,763

8,857

7,979

7,953

7,872

7,599

6,748

5,899

6,577

5,714

6,045

5,414

5,040

6,103

5,687

6,099

5,868

5,740

6,216

6,161

6,676

6,013

5,252

4,516

4,056

3,427

2,951

2,901

2,561

2,355

2,046

1,793

Other Current Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,541,032
3,940,075
4,361,648
4,696,770
5,009,919
5,300,937
5,665,350
5,993,635
6,332,936
6,333,907
6,673,956
6,856,568
7,291,601
7,467,055
7,860,701
8,088,849
8,429,421
8,715,608
8,969,879
127,167
144,706
288,974
168,114
53,816
292,700
263,470
317,571
-570,025
2,035,445
2,162,146
2,083,709
2,035,449
2,333,652
2,196,587
2,284,310
2,915,276
2,899,356
2,796,256
2,182,402
399,075

399,075

2,182,402

2,796,256

2,899,356

2,915,276

2,284,310

2,196,587

2,333,652

2,035,449

2,083,709

2,162,146

2,035,445

-570,025

317,571

263,470

292,700

53,816

168,114

288,974

144,706

127,167

8,969,879

8,715,608

8,429,421

8,088,849

7,860,701

7,467,055

7,291,601

6,856,568

6,673,956

6,333,907

6,332,936

5,993,635

5,665,350

5,300,937

5,009,919

4,696,770

4,361,648

3,940,075

3,541,032

> Long-term Assets

0
0
0
53,718
492
70,743
399
546
592
139,858
189
378
348
358,212
921
1,405
168
510,405
501,724
512,459
562,067
622,586
3,782
3,690
5,899
568,260
8,765
10,139
10,525
524,503
9,504
10,545
9,475
487,437
15,271
17,047
19,415
474,827
21,510
24,247
25,551
477,842
465,480
431,845
418,181
407,397
405,061
465,968
513,967
490,143
471,746
409,161
399,312
296,656
245,508
219,491
202,704
280,299
303,365
336,369
136,076
372,190
133,147
130,534
127,962
323,796
122,817
120,644
118,133
323,201
164,944
322,868
412,545
445,894
444,511
431,545
154,928
410,700
149,572
146,793
22,243,058

22,243,058

146,793

149,572

410,700

154,928

431,545

444,511

445,894

412,545

322,868

164,944

323,201

118,133

120,644

122,817

323,796

127,962

130,534

133,147

372,190

136,076

336,369

303,365

280,299

202,704

219,491

245,508

296,656

399,312

409,161

471,746

490,143

513,967

465,968

405,061

407,397

418,181

431,845

465,480

477,842

25,551

24,247

21,510

474,827

19,415

17,047

15,271

487,437

9,475

10,545

9,504

524,503

10,525

10,139

8,765

568,260

5,899

3,690

3,782

622,586

562,067

512,459

501,724

510,405

168

1,405

921

358,212

348

378

189

139,858

592

546

399

70,743

492

53,718

Property Plant Equipment

214
181
157
154
139
214
238
232
235
222
207
208
197
242
263
333
409
391
391
0
0
436
494
483
538
621
983
2,127
2,849
3,153
3,807
3,745
4,065
4,408
5,477
5,782
6,801
6,418
6,594
6,337
6,667
6,707
7,362
7,459
8,099
8,551
8,324
10,435
13,056
13,995
14,732
15,126
15,931
16,659
17,751
18,700
19,290
21,454
22,283
28,540
0
33,171
75,716
73,767
75,237
103,578
0
0
0
90,373
0
0
0
105,405
0
0
0
116,929
0
0
0

116,929

105,405

90,373

103,578

75,237

73,767

75,716

33,171

28,540

22,283

21,454

19,290

18,700

17,751

16,659

15,931

15,126

14,732

13,995

13,056

10,435

8,324

8,551

8,099

7,459

7,362

6,707

6,667

6,337

6,594

6,418

6,801

5,782

5,477

4,408

4,065

3,745

3,807

3,153

2,849

2,127

983

621

538

483

494

436

391

409

333

263

242

197

208

207

222

235

232

238

214

139

154

157

181

214

Goodwill

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
67,788
35,720
35,722
70,654
134,893
133,147
130,534
127,962
125,389
122,817
120,644
118,133
115,972
164,944
161,954
159,150
156,405
160,429
157,585
154,928
152,149
149,572
146,793
144,324

144,324

146,793

149,572

152,149

154,928

157,585

160,429

156,405

159,150

161,954

164,944

115,972

118,133

120,644

122,817

125,389

127,962

130,534

133,147

134,893

70,654

35,722

35,720

67,788

Long Term Investments

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,799,174
0
0
0
0
2,507,991
2,515,845
2,539,720
2,728,100
3,068,293
3,373,538
3,788,636
4,228,765
4,572,746
4,905,845
5,162,005
5,490,046
5,893,671
6,296,265
6,561,437
6,578,048
6,853,611
7,043,817
7,382,820
7,534,531
7,898,930
8,093,017
8,432,289
8,888,143
9,250,470
9,333,323
9,642,897
10,012,587
10,387,255
10,605,464
187,732
293,808
274,477
219,216
189,318
137,937
28,651
19,977
264,276
9,538
4,664
8,320
233,108
237,366
240,141
208,174

208,174

240,141

237,366

233,108

8,320

4,664

9,538

264,276

19,977

28,651

137,937

189,318

219,216

274,477

293,808

187,732

10,605,464

10,387,255

10,012,587

9,642,897

9,333,323

9,250,470

8,888,143

8,432,289

8,093,017

7,898,930

7,534,531

7,382,820

7,043,817

6,853,611

6,578,048

6,561,437

6,296,265

5,893,671

5,490,046

5,162,005

4,905,845

4,572,746

4,228,765

3,788,636

3,373,538

3,068,293

2,728,100

2,539,720

2,515,845

2,507,991

1,799,174

Intangible Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
562
749
1,037
1,354
2,098
2,687
3,475
3,375
3,943
4,855
6,150
6,731
7,200
8,044
9,066
10,228
10,752
42,635
55,322
75,777
9,784
10,632
11,262
9,962
10,675
12,130
14,314
16,631
17,911
18,438
20,110
23,519
25,213
26,373
25,526
25,396
25,443
29,338
28,043
28,130

28,130

28,043

29,338

25,443

25,396

25,526

26,373

25,213

23,519

20,110

18,438

17,911

16,631

14,314

12,130

10,675

9,962

11,262

10,632

9,784

75,777

55,322

42,635

10,752

10,228

9,066

8,044

7,200

6,731

6,150

4,855

3,943

3,375

3,475

2,687

2,098

1,354

1,037

749

562

Earning Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
637,986
633,847
835,410
682,057
497,574
747,536
875,741
891,001
1,209,315
1,240,278
1,088,049
1,163,923
0
0
0
0
0
0
0
0
0

1,163,923

1,088,049

1,240,278

1,209,315

891,001

875,741

747,536

497,574

682,057

835,410

633,847

637,986

Long-term Assets Other

0
0
0
-53,718
-84,901
-293
-93,910
-87,277
-81,354
-865
-179,661
-238,767
-302,070
-431
-451,264
-440,552
-462,485
-918
-501,724
-512,459
-562,067
-3,214
-663,994
-614,353
-585,824
-6,153
-551,119
-572,540
-548,012
-9,719
-515,251
-514,161
-508,973
-15,095
-472,333
-468,136
-454,389
-23,555
-502,079
-484,166
-473,708
-25,245
-24,240
-28,292
-30,829
-32,955
-31,280
-36,025
-37,427
-39,171
-26,892
-32,058
-36,627
-34,341
-33,857
-19,747
-27,087
-17,957
-17,925
-18,112
-229,511
-33,171
-274,164
-294,795
-277,506
-103,578
-216,484
-224,504
-235,847
-159,436
-156,375
-322,868
-412,545
-206,187
-444,511
-431,545
-305,408
-234,218
-266,704
-268,184
22,054,365

22,054,365

-268,184

-266,704

-234,218

-305,408

-431,545

-444,511

-206,187

-412,545

-322,868

-156,375

-159,436

-235,847

-224,504

-216,484

-103,578

-277,506

-294,795

-274,164

-33,171

-229,511

-18,112

-17,925

-17,957

-27,087

-19,747

-33,857

-34,341

-36,627

-32,058

-26,892

-39,171

-37,427

-36,025

-31,280

-32,955

-30,829

-28,292

-24,240

-25,245

-473,708

-484,166

-502,079

-23,555

-454,389

-468,136

-472,333

-15,095

-508,973

-514,161

-515,251

-9,719

-548,012

-572,540

-551,119

-6,153

-585,824

-614,353

-663,994

-3,214

-562,067

-512,459

-501,724

-918

-462,485

-440,552

-451,264

-431

-302,070

-238,767

-179,661

-865

-81,354

-87,277

-93,910

-293

-84,901

-53,718

> Total Liabilities

250,579
373,280
421,643
480,264
465,326
540,858
585,356
612,530
634,723
667,589
695,374
731,940
773,980
874,413
949,380
963,280
1,033,164
1,111,163
1,091,665
1,139,106
1,164,036
1,213,269
1,231,053
1,242,695
1,292,660
1,291,273
1,385,226
1,523,243
1,593,994
1,792,321
1,930,549
2,030,201
2,074,791
2,180,225
2,402,613
2,631,709
2,700,959
2,822,509
3,001,565
3,256,629
3,511,980
4,032,221
4,412,762
4,744,299
5,032,492
5,290,193
5,681,431
6,048,885
7,052,333
6,917,764
7,133,184
7,414,205
7,899,727
7,667,433
7,714,934
8,042,296
9,060,667
8,578,991
8,791,273
8,815,695
9,836,076
10,147,188
10,654,621
11,108,536
10,975,467
12,621,054
12,145,273
13,105,785
13,482,224
12,864,629
13,448,129
14,024,790
14,495,365
15,812,632
16,706,106
16,953,476
17,938,377
18,431,310
18,848,998
19,545,540
20,445,840

20,445,840

19,545,540

18,848,998

18,431,310

17,938,377

16,953,476

16,706,106

15,812,632

14,495,365

14,024,790

13,448,129

12,864,629

13,482,224

13,105,785

12,145,273

12,621,054

10,975,467

11,108,536

10,654,621

10,147,188

9,836,076

8,815,695

8,791,273

8,578,991

9,060,667

8,042,296

7,714,934

7,667,433

7,899,727

7,414,205

7,133,184

6,917,764

7,052,333

6,048,885

5,681,431

5,290,193

5,032,492

4,744,299

4,412,762

4,032,221

3,511,980

3,256,629

3,001,565

2,822,509

2,700,959

2,631,709

2,402,613

2,180,225

2,074,791

2,030,201

1,930,549

1,792,321

1,593,994

1,523,243

1,385,226

1,291,273

1,292,660

1,242,695

1,231,053

1,213,269

1,164,036

1,139,106

1,091,665

1,111,163

1,033,164

963,280

949,380

874,413

773,980

731,940

695,374

667,589

634,723

612,530

585,356

540,858

465,326

480,264

421,643

373,280

250,579

> Total Current Liabilities

0
0
0
21,576
718
47,153
60,642
42,861
1,402
1,155
192
2,169
2,775
2,712
3,244
2,569
2,784
2,366
1,087,000
1,089,000
1,139,000
2,108
2,020
1,160
1,848
1,979
1,941
2,189
2,095
2,237
2,026
2,271
1,940
1,802
1,861
16,289
22,868
24,938
37,446
24,385
21,849
30,530
35,851
28,749
40,565
45,121
64,914
50,764
55,147
53,647
62,861
47,123
49,646
53,463
71,655
51,560
74,382
82,089
79,097
78,050
321,070
338,230
476,045
468,264
484,757
702,078
577,296
679,499
681,633
744,986
747,786
758,921
780,433
774,626
784,268
672,897
660,565
696,591
629,078
755,050
506,976

506,976

755,050

629,078

696,591

660,565

672,897

784,268

774,626

780,433

758,921

747,786

744,986

681,633

679,499

577,296

702,078

484,757

468,264

476,045

338,230

321,070

78,050

79,097

82,089

74,382

51,560

71,655

53,463

49,646

47,123

62,861

53,647

55,147

50,764

64,914

45,121

40,565

28,749

35,851

30,530

21,849

24,385

37,446

24,938

22,868

16,289

1,861

1,802

1,940

2,271

2,026

2,237

2,095

2,189

1,941

1,979

1,848

1,160

2,020

2,108

1,139,000

1,089,000

1,087,000

2,366

2,784

2,569

3,244

2,712

2,775

2,169

192

1,155

1,402

42,861

60,642

47,153

718

21,576

Short-term Debt

0
0
0
21,000
0
46,500
59,655
41,500
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
323,000
0
0
0
322,000
0
0
0
265,000
464,720
597,629
1,022,787
229,500
0
0
201,574
198,356
337,870
206,199
76,587
151,952
315,976
362,170
649,837
974,536
546,969
583,754
450,246
512,409
215,040
161,458
117,360
206,013
128,081
167,849
132,433

132,433

167,849

128,081

206,013

117,360

161,458

215,040

512,409

450,246

583,754

546,969

974,536

649,837

362,170

315,976

151,952

76,587

206,199

337,870

198,356

201,574

229,500

1,022,787

597,629

464,720

265,000

322,000

323,000

41,500

59,655

46,500

21,000

Short Long Term Debt

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
323,000
0
0
0
322,000
0
0
0
265,000
464,720
597,629
1,022,787
229,500
0
0
0
286,000
0
0
0
151,952
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

151,952

286,000

229,500

1,022,787

597,629

464,720

265,000

322,000

323,000

Accounts payable

193,992
269,841
295,677
576
718
653
987
1,361
1,402
1,155
2,358
2,169
2,775
2,712
3,244
2,569
2,784
2,366
557,496
632,493
693,983
2,108
2,020
1,160
1,848
1,979
1,941
2,189
2,095
2,237
2,026
2,271
1,940
1,802
1,861
16,289
22,868
24,938
37,446
24,385
21,849
30,530
35,851
28,749
40,565
45,121
64,914
50,764
55,147
53,647
62,861
47,123
49,646
53,463
71,655
51,560
74,382
82,089
79,097
78,050
321,070
338,230
476,045
468,264
484,757
550,126
577,296
679,499
681,633
744,986
747,786
758,921
780,433
829,066
784,268
672,897
660,565
696,591
629,078
755,050
387,176

387,176

755,050

629,078

696,591

660,565

672,897

784,268

829,066

780,433

758,921

747,786

744,986

681,633

679,499

577,296

550,126

484,757

468,264

476,045

338,230

321,070

78,050

79,097

82,089

74,382

51,560

71,655

53,463

49,646

47,123

62,861

53,647

55,147

50,764

64,914

45,121

40,565

28,749

35,851

30,530

21,849

24,385

37,446

24,938

22,868

16,289

1,861

1,802

1,940

2,271

2,026

2,237

2,095

2,189

1,941

1,979

1,848

1,160

2,020

2,108

693,983

632,493

557,496

2,366

2,784

2,569

3,244

2,712

2,775

2,169

2,358

1,155

1,402

1,361

987

653

718

576

295,677

269,841

193,992

Other Current Liabilities

0
0
0
0
-718
0
0
0
-1,402
-1,155
-2,166
-2,169
-2,775
-2,712
-3,244
-2,569
-2,784
-2,366
0
0
0
-2,108
-2,020
-1,160
-1,848
-1,979
-1,941
-2,189
-2,095
-2,237
-2,026
-2,271
-1,940
-1,802
-1,861
-16,289
-22,868
-24,938
-37,446
-24,385
-21,849
-30,530
-35,851
-28,749
-40,565
-45,121
-64,914
-50,764
-55,147
-53,647
-62,861
-47,123
-49,646
-53,463
-71,655
-51,560
-74,382
-82,089
-79,097
-78,050
-321,070
-338,230
-476,045
-468,264
-484,757
11,336,694
-577,296
-679,499
-681,633
-974,536
-546,969
-583,754
-450,246
-54,440
-784,268
-672,897
-660,565
-696,591
-629,078
-755,050
-12,633

-12,633

-755,050

-629,078

-696,591

-660,565

-672,897

-784,268

-54,440

-450,246

-583,754

-546,969

-974,536

-681,633

-679,499

-577,296

11,336,694

-484,757

-468,264

-476,045

-338,230

-321,070

-78,050

-79,097

-82,089

-74,382

-51,560

-71,655

-53,463

-49,646

-47,123

-62,861

-53,647

-55,147

-50,764

-64,914

-45,121

-40,565

-28,749

-35,851

-30,530

-21,849

-24,385

-37,446

-24,938

-22,868

-16,289

-1,861

-1,802

-1,940

-2,271

-2,026

-2,237

-2,095

-2,189

-1,941

-1,979

-1,848

-1,160

-2,020

-2,108

-2,366

-2,784

-2,569

-3,244

-2,712

-2,775

-2,169

-2,166

-1,155

-1,402

-718

> Long-term Liabilities

0
0
0
137,659
139,688
131,217
123,091
169,275
226,803
241,332
248,361
247,390
248,418
232,447
232,567
232,585
307,603
404,121
398,128
372,132
336,135
428,139
331,143
229,147
187,150
188,154
255,155
269,155
191,155
312,655
292,155
335,155
364,155
427,155
409,155
532,155
465,155
595,572
661,155
734,155
597,155
915,155
1,080,155
675,155
588,155
758,155
826,155
763,155
914,155
785,066
711,511
721,408
1,015,450
694,463
454,479
597,503
1,022,528
511,552
2,634,588
397,125
657,977
627,429
626,181
319,733
846,785
326,337
696,343
600,980
538,253
574,858
413,396
417,935
534,182
562,744
784,268
672,897
660,565
451,779
537,733
431,086
19,938,864

19,938,864

431,086

537,733

451,779

660,565

672,897

784,268

562,744

534,182

417,935

413,396

574,858

538,253

600,980

696,343

326,337

846,785

319,733

626,181

627,429

657,977

397,125

2,634,588

511,552

1,022,528

597,503

454,479

694,463

1,015,450

721,408

711,511

785,066

914,155

763,155

826,155

758,155

588,155

675,155

1,080,155

915,155

597,155

734,155

661,155

595,572

465,155

532,155

409,155

427,155

364,155

335,155

292,155

312,655

191,155

269,155

255,155

188,154

187,150

229,147

331,143

428,139

336,135

372,132

398,128

404,121

307,603

232,585

232,567

232,447

248,418

247,390

248,361

241,332

226,803

169,275

123,091

131,217

139,688

137,659

Long term Debt Total

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,155
0
0
0
0
0
0
5,155
0
0
0
5,155
0
0
0
5,155
0
0
0
58,066
0
0
0
54,463
0
0
0
54,552
0
54,625
214,477
168,929
133,681
62,233
76,285
235,789
453,843
418,480
365,753
221,358
255,896
260,435
381,682
445,244
425,818
334,077
334,330
361,779
447,733
0
0

447,733

361,779

334,330

334,077

425,818

445,244

381,682

260,435

255,896

221,358

365,753

418,480

453,843

235,789

76,285

62,233

133,681

168,929

214,477

54,625

54,552

54,463

58,066

5,155

Long-term Liabilities Other

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
417,000
0
0
0
0
647,155
575,155
700,417
771,155
829,155
657,155
955,000
1,115,155
710,155
623,155
788,000
861,155
798,155
949,155
762,000
746,511
756,408
1,050,450
660,000
464,479
597,503
1,022,528
457,000
2,634,588
397,125
903,185
697,104
924,682
625,402
1,164,885
590,114
611,928
657,973
656,177
888,925
667,540
686,296
696,405
629,154
613,084
520,947
496,092
535,477
0
0
0

535,477

496,092

520,947

613,084

629,154

696,405

686,296

667,540

888,925

656,177

657,973

611,928

590,114

1,164,885

625,402

924,682

697,104

903,185

397,125

2,634,588

457,000

1,022,528

597,503

464,479

660,000

1,050,450

756,408

746,511

762,000

949,155

798,155

861,155

788,000

623,155

710,155

1,115,155

955,000

657,155

829,155

771,155

700,417

575,155

647,155

417,000

> Total Stockholder Equity

22,885
31,759
32,296
32,844
67,615
68,650
69,106
68,962
69,944
70,246
70,849
71,428
72,996
72,750
75,333
76,904
76,940
83,082
79,250
81,345
85,153
88,939
93,016
102,618
108,483
129,808
132,767
137,592
142,184
147,766
166,493
193,596
203,239
206,620
214,706
242,613
260,704
268,262
282,617
311,670
338,845
370,778
412,101
450,422
496,028
533,526
578,217
613,330
653,289
683,590
721,859
753,671
800,304
834,247
866,694
873,663
921,653
960,513
1,000,247
994,401
1,039,485
1,073,050
1,116,240
1,160,752
1,184,452
1,230,846
1,236,965
1,287,482
1,345,650
1,400,936
1,458,621
1,523,157
1,585,585
1,642,973
1,700,972
1,787,559
1,844,104
1,917,159
1,976,208
2,078,224
2,196,293

2,196,293

2,078,224

1,976,208

1,917,159

1,844,104

1,787,559

1,700,972

1,642,973

1,585,585

1,523,157

1,458,621

1,400,936

1,345,650

1,287,482

1,236,965

1,230,846

1,184,452

1,160,752

1,116,240

1,073,050

1,039,485

994,401

1,000,247

960,513

921,653

873,663

866,694

834,247

800,304

753,671

721,859

683,590

653,289

613,330

578,217

533,526

496,028

450,422

412,101

370,778

338,845

311,670

282,617

268,262

260,704

242,613

214,706

206,620

203,239

193,596

166,493

147,766

142,184

137,592

132,767

129,808

108,483

102,618

93,016

88,939

85,153

81,345

79,250

83,082

76,940

76,904

75,333

72,750

72,996

71,428

70,849

70,246

69,944

68,962

69,106

68,650

67,615

32,844

32,296

31,759

22,885

Common Stock

45
45
45
46
83
83
83
83
85
85
85
86
86
86
86
86
86
86
86
86
86
87
88
88
89
108
109
109
110
112
112
121
122
123
136
137
139
146
147
150
151
154
158
160
163
166
168
641
642
645
647
648
648
651
653
654
655
658
660
662
663
666
668
669
671
673
676
677
679
681
684
684
686
689
692
692
694
695
698
698
700

700

698

695

694

692

689

686

684

681

679

677

676

673

671

669

668

666

663

662

660

658

655

654

653

651

648

647

645

642

641

168

166

163

160

158

154

151

150

147

146

139

137

136

123

122

121

112

110

109

108

Retained Earnings

679
2,714
3,196
3,686
4,444
5,178
5,923
6,571
7,321
8,084
8,752
9,480
10,264
11,091
11,761
12,335
13,275
14,975
10,925
13,513
15,934
19,365
22,900
28,275
35,277
39,882
44,637
49,487
54,686
60,152
66,559
72,839
80,170
88,357
97,269
106,705
116,758
127,813
139,917
152,994
167,527
183,460
201,224
220,518
241,515
265,833
291,257
319,328
355,165
384,815
413,635
445,857
486,774
519,246
551,552
583,132
634,308
671,348
708,112
746,869
785,613
826,170
866,879
908,096
964,076
1,009,299
1,025,156
1,079,828
1,133,473
1,187,728
1,247,938
1,308,725
1,370,548
1,428,444
1,486,851
1,568,403
1,648,253
1,735,609
1,818,254
1,970,025
2,080,745

2,080,745

1,970,025

1,818,254

1,735,609

1,648,253

1,568,403

1,486,851

1,428,444

1,370,548

1,308,725

1,247,938

1,187,728

1,133,473

1,079,828

1,025,156

1,009,299

964,076

908,096

866,879

826,170

785,613

746,869

708,112

671,348

634,308

583,132

551,552

519,246

486,774

445,857

413,635

384,815

355,165

319,328

291,257

265,833

241,515

220,518

201,224

183,460

167,527

152,994

139,917

127,813

116,758

106,705

97,269

88,357

80,170

72,839

66,559

60,152

54,686

49,487

44,637

39,882

35,277

28,275

22,900

19,365

15,934

13,513

10,925

14,975

13,275

12,335

11,761

11,091

10,264

9,480

8,752

8,084

7,321

6,571

5,923

5,178

4,444

3,686

3,196

2,714

679

Capital Surplus

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
89,053
0
0
0
0
127,084
135,138
156,297
159,304
177,743
189,851
207,579
230,011
250,389
274,490
296,507
317,235
324,925
328,288
331,156
334,119
337,698
342,249
346,117
349,774
353,801
359,299
366,515
373,364
377,689
384,491
389,945
394,904
399,806
406,731
411,873
416,285
420,895
427,663
432,550
436,528
441,061
448,428
453,784
459,101
465,350
472,933
479,878
486,676
0
0

486,676

479,878

472,933

465,350

459,101

453,784

448,428

441,061

436,528

432,550

427,663

420,895

416,285

411,873

406,731

399,806

394,904

389,945

384,491

377,689

373,364

366,515

359,299

353,801

349,774

346,117

342,249

337,698

334,119

331,156

328,288

324,925

317,235

296,507

274,490

250,389

230,011

207,579

189,851

177,743

159,304

156,297

135,138

127,084

89,053

Treasury Stock

0
0
0
0
0
0
0
-883
-883
-1,325
-2,073
-2,352
-2,352
-2,428
-2,428
-2,428
-2,428
-2,493
-2,493
-3,475
-3,487
-3,589
-3,609
-3,573
-3,603
-3,893
-3,937
-3,975
-4,023
-4,933
-5,241
-5,327
-5,346
-6,610
-7,195
7,389
-7,444
-10,257
-11,624
-12,253
-12,378
-15,112
-16,273
-16,791
-16,906
-24,644
-26,977
-27,584
-27,646
-30,785
-32,206
-33,093
-33,268
-37,317
-39,875
-69,353
-76,531
-82,458
-86,545
-135,655
-135,827
-148,810
-151,807
-152,635
-189,363
-195,125
-210,560
-215,169
-218,458
-222,530
-228,529
-228,657
-232,451
0
0
0
0
0
0
0
0

-232,451

-228,657

-228,529

-222,530

-218,458

-215,169

-210,560

-195,125

-189,363

-152,635

-151,807

-148,810

-135,827

-135,655

-86,545

-82,458

-76,531

-69,353

-39,875

-37,317

-33,268

-33,093

-32,206

-30,785

-27,646

-27,584

-26,977

-24,644

-16,906

-16,791

-16,273

-15,112

-12,378

-12,253

-11,624

-10,257

-7,444

7,389

-7,195

-6,610

-5,346

-5,327

-5,241

-4,933

-4,023

-3,975

-3,937

-3,893

-3,603

-3,573

-3,609

-3,589

-3,487

-3,475

-2,493

-2,428

-2,352

-2,073

-1,325

-883

Other Stockholders Equity

0
0
0
22,601
56,865
56,746
57,008
56,205
58,058
57,799
57,165
57,031
57,314
57,375
57,492
57,745
58,034
58,191
58,344
57,511
57,596
57,731
58,108
58,512
59,727
80,712
81,267
81,818
83,048
83,410
83,700
98,361
99,141
99,073
118,955
119,695
127,694
146,040
147,680
165,490
177,473
192,467
213,738
233,598
257,584
271,863
290,258
297,341
300,642
300,371
301,913
304,605
308,981
308,800
309,899
284,448
282,768
284,057
286,819
242,034
248,664
241,135
243,097
247,171
217,368
216,748
205,725
205,726
209,205
210,020
207,999
212,404
215,977
216,773
219,199
225,409
200,730
187,465
163,644
111,420
117,912

117,912

111,420

163,644

187,465

200,730

225,409

219,199

216,773

215,977

212,404

207,999

210,020

209,205

205,726

205,725

216,748

217,368

247,171

243,097

241,135

248,664

242,034

286,819

284,057

282,768

284,448

309,899

308,800

308,981

304,605

301,913

300,371

300,642

297,341

290,258

271,863

257,584

233,598

213,738

192,467

177,473

165,490

147,680

146,040

127,694

119,695

118,955

99,073

99,141

98,361

83,700

83,410

83,048

81,818

81,267

80,712

59,727

58,512

58,108

57,731

57,596

57,511

58,344

58,191

58,034

57,745

57,492

57,375

57,314

57,031

57,165

57,799

58,058

56,205

57,008

56,746

56,865

22,601

Balance Sheet

Currency in USD. All numbers in thousands.

	2023-06-30	2022-06-30	2021-06-30	2020-06-30	2019-06-30	2018-06-30	2017-06-30	2016-06-30	2015-06-30	2014-06-30	2013-06-30	2012-06-30	2011-06-30	2010-06-30	2009-06-30	2008-06-30	2007-06-30	2006-06-30	2005-06-30	2004-06-30	2003-06-30	2002-06-30	2001-06-30
Accounts Payable	696,591	829,066	744,986	550,126	338,230	82,089	53,463	53,647	45,121	30,530	24,938	1,802	2,237	1,979	2,108	2,366	2,712	1,155	653	283	272	-	-
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Accumulated Other Comprehensive Income	-6,610	-2,933	2,507	-937	16	-613	487	-7,304	-9,399	-10,366	-10,800	-5,435	-971	4,043	1,926	1,017	-865	-885	6	0	0	-	-
Additional Paid In Capital	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Capital Lease Obligations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Capital Stock	695	689	681	5,736	5,729	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Capital Surpluse	479,878	453,784	432,550	411,873	389,945	366,515	346,117	331,156	296,507	207,579	156,297	0	0	0	0	0	0	0	0	0	0	-	-
Cash	2,233,027	1,202,587	715,624	1,756,477	511,125	622,750	628,172	486,627	222,774	155,484	196,264	20,638	5,820	5,834	3,441	6,194	13,315	17,922	15,232	11,341	14,545	-	-
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Cash And Short Term Investments	2,465,377	1,465,105	902,959	1,944,104	738,638	803,055	892,642	752,074	386,135	370,262	381,871	20,638	5,820	5,834	3,441	6,194	13,315	17,922	15,232	11,341	14,545	-	-
Common Stock	695	689	681	673	666	658	651	645	166	154	146	123	112	108	87	86	86	85	83	45	45	-	-
Common Stock Shares Outstanding	60,567	60,611	60,520	61,438	62,382	64,147	64,943	64,315	61,358	57,815	54,610	48,421	43,430	37,587	35,508	33,502	33,411	34,188	24,640	20,872	20,540	19,429	14,924
Common Stock Total Equity	695	689	681	673	666	658	651	645	166	154	146	123	112	108	87	86	86	85	83	45	45	-	-
Current Deferred Revenue	490,578	-27,500	-229,550	0	-146,126	-147,411	-231,537	-303,353	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Deferred Long Term Liab	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Earning Assets	0	0	1,240,278	747,536	633,847	235,418	376,780	583,829	566,439	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Good Will	152,149	156,405	115,972	125,389	134,893	67,788	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Intangible Assets	25,443	25,213	17,911	10,675	9,784	10,752	7,200	3,943	2,098	562	0	0	0	0	0	0	0	0	0	0	0	-	-
Inventory	-2,899,356	-2,388,092	-2,035,445	-2,399,666	-1,212,751	9,591	1,413	252	1,240	135,371	78,856	79,638	27,788	7,865	8,841	219	0	0	189	435	3,602	-	-
Liabilities And Stockholders Equity	20,348,469	17,455,605	14,265,565	13,851,900	11,220,238	9,539,504	8,501,680	7,601,354	5,823,719	4,402,999	3,090,771	2,386,845	1,940,087	1,421,081	1,302,208	1,194,245	947,163	737,835	609,508	405,039	273,464	217,614	156,628
Long Term Debt	451,779	562,744	574,858	235,789	168,929	54,552	54,463	58,066	5,155	5,155	5,155	5,155	7,655	265,155	442,139	177,124	187,049	196,332	131,217	102,746	40,000	-	-
Long Term Debt Total	361,779	445,244	221,358	235,789	168,929	54,552	54,463	58,066	5,155	5,155	5,155	0	0	0	0	0	0	0	0	0	0	-	-
Long Term Investments	233,108	264,276	189,318	187,732	9,642,897	8,432,289	7,382,820	6,561,437	5,162,005	3,788,636	2,539,720	0	0	0	0	0	0	0	0	0	0	-	-
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Net Debt	-1,781,248	-639,843	-140,766	-1,278,188	116,304	-111,198	66,291	298,439	535,381	759,671	399,308	406,517	306,835	182,320	424,698	397,927	219,132	223,410	162,485	91,405	41,355	-	870
Net Invested Capital	2,368,938	2,205,717	1,975,794	1,704,072	1,695,416	1,467,002	1,523,647	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Net Receivables	374,074	471,857	369,815	220,266	203,192	26,729	20,781	26,201	20,268	13,863	9,763	7,872	6,577	5,040	5,868	5,740	6,013	3,427	2,355	1,486	1,107	-	-
Net Tangible Assets	1,765,010	1,642,973	1,284,964	1,100,394	933,094	887,662	829,184	678,527	528,463	365,715	263,199	0	0	0	0	0	0	0	0	0	0	-	-
Net Working Capital	2,142,860	1,107,896	527,788	1,462,292	603,600	9,177,116	8,151,561	7,057,564	5,371,201	3,894,627	181,089	26,708	10,160	8,895	7,201	216,707	300,602	131,016	21,015	9,544	-520	-	-
Non Current Assets Total	410,700	445,894	323,201	323,796	372,190	280,299	296,656	490,143	407,397	477,842	23,555	15,095	9,719	6,153	3,214	918	431	865	293	4,365	1,169	-	-
Non Current Liabilities Other	535,477	629,154	888,925	590,114	697,104	457,000	660,000	762,000	788,000	955,000	700,417	0	0	0	0	0	0	0	0	0	0	-	-
Non Current Liabilities Total	451,779	562,744	574,858	478,289	627,429	511,552	694,463	785,066	758,155	915,155	595,572	427,155	312,655	188,154	428,139	404,121	232,447	241,332	131,217	99,746	40,000	-	-
Non Currrent Assets Other	-234,218	-206,187	-159,436	-151,380	-71,892	-17,957	-34,341	-39,171	-32,955	-25,245	-474,827	-487,437	-524,503	-568,260	-622,586	-510,405	-358,212	-139,858	-70,743	-4,365	-1,169	-	-
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Other Assets	17,098,318	15,127,189	12,669,590	11,363,734	9,906,218	9,819,803	8,798,336	8,091,497	6,231,116	4,880,841	2,861,189	2,343,240	1,917,971	1,404,054	1,289,685	974,254	643,418	604,799	541,047	387,847	256,643	217,614	156,628
Other Current Assets	2,899,356	2,333,652	2,035,445	2,399,666	1,212,751	8,429,421	7,291,601	6,332,936	5,009,919	3,541,032	0	0	0	0	0	0	0	0	0	0	0	-	-
Other Current Liab	-696,591	-54,440	-744,986	-702,078	-338,230	-82,089	-285,000	-357,000	-45,121	-30,530	-24,938	-1,802	-2,237	-1,979	-2,108	-2,366	-2,712	-1,155	0	0	0	-	-
Other Liab	397,192	829,066	535,425	327,232	227,609	82,089	53,463	53,647	45,121	30,530	24,938	17,982	9,341	4,939	6,606	6,338	4,017	2,053	2,090	693	687	-	-
Other Stockholder Equity	187,465	216,773	210,020	216,748	241,135	284,057	308,800	300,371	271,863	192,467	146,040	99,073	83,410	80,712	57,731	58,191	57,375	57,799	56,746	22,363	22,161	19,501	11,903
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Preferred Stock Total Equity	0	0	0	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	24,502	5,063	5,063	9,830	8,813	5,063	5,163	6,637	6,637	0	-	-
Property Plant And Equipment Gross	0	0	0	0	0	21,454	16,659	13,995	8,551	6,707	6,418	4,408	3,153	621	436	391	242	222	214	181	214	-	-
Property Plant And Equipment Net	116,929	105,405	90,373	103,578	33,171	21,454	16,659	13,995	8,551	6,707	6,418	4,408	3,153	621	436	391	242	222	214	181	214	-	-
Property Plant Equipment	53,364	105,405	90,373	103,578	33,171	21,454	16,659	13,995	8,551	6,707	6,418	4,408	3,153	621	436	391	242	222	214	181	214	-	-
Retained Earnings	1,735,609	1,428,444	1,187,728	1,009,299	826,170	671,348	519,246	384,815	265,833	183,460	127,813	88,357	60,152	39,882	19,365	14,975	11,091	8,084	5,178	2,714	679	-	-
Retained Earnings Total Equity	1,735,609	1,428,444	1,187,728	1,009,299	826,170	671,348	519,246	384,815	265,833	183,460	127,813	0	0	0	0	0	0	0	0	0	0	-	-
Short Long Term Debt	0	27,500	0	151,952	286,000	229,500	265,000	322,000	323,000	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Short Long Term Debt Total	451,779	562,744	574,858	478,289	627,429	511,552	694,463	785,066	758,155	915,155	595,572	427,155	312,655	188,154	428,139	404,121	232,447	241,332	177,717	102,746	55,900	-	870
Short Term Debt	206,013	27,500	974,536	151,952	484,356	229,500	285,000	357,000	323,000	0	0	0	0	0	0	0	0	0	46,500	3,000	15,900	-	870
Short Term Investments	232,350	262,518	187,335	187,627	227,513	180,305	264,470	265,447	163,361	214,778	185,607	14,788	3,232	12,371	4,965	209,119	296,068	127,261	62,766	32,524	15,661	-	-
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Total Assets	20,348,469	17,455,605	14,265,565	13,851,900	11,220,238	9,539,504	8,501,680	7,601,354	5,823,719	4,402,999	3,090,771	2,386,845	1,940,087	1,421,081	1,302,208	1,194,245	947,163	737,835	609,508	405,039	273,464	217,614	156,628
Total Current Assets	2,839,451	1,882,522	1,272,774	2,164,370	941,830	9,259,205	8,205,024	7,111,211	5,416,322	3,925,157	206,027	28,510	12,397	10,874	9,309	219,073	303,314	132,171	68,168	12,827	15,652	-	-
Total Current Liabilities	696,591	774,626	744,986	702,078	338,230	82,089	53,463	53,647	45,121	30,530	24,938	1,802	2,237	1,979	2,108	2,366	2,712	1,155	47,153	3,283	16,172	-	870
Total Liab	18,431,310	15,812,632	12,864,629	12,621,054	10,147,188	8,578,991	7,667,433	6,917,764	5,290,193	4,032,221	2,822,509	2,180,225	1,792,321	1,291,273	1,213,269	1,111,163	874,413	667,589	540,858	373,280	250,579	198,113	144,725
Total Permanent Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Total Stockholder Equity	1,917,159	1,642,973	1,400,936	1,230,846	1,073,050	960,513	834,247	683,590	533,526	370,778	268,262	206,620	147,766	129,808	88,939	83,082	72,750	70,246	68,650	31,759	22,885	19,501	11,903
Treasury Stock	0	0	-222,530	-195,125	-148,810	-82,458	-37,317	-30,785	-24,644	-15,112	-10,257	-6,610	-4,933	-3,893	-3,589	-2,493	-2,428	-1,325	0	0	0	-	-
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-

	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2003-06-30
Accounts Payable	387,176	755,050	629,078	696,591	660,565	672,897	784,268	829,066	780,433	758,921	747,786	744,986	681,633	679,499	577,296	550,126	484,757	468,264	476,045	338,230	321,070	78,050	79,097	82,089	74,382	51,560	71,655	53,463	49,646	47,123	62,861	53,647	55,147	50,764	64,914	45,121	40,565	28,749	35,851	30,530	21,849	24,385	37,446	24,938	22,868	16,289	1,861	1,802	1,940	2,271	2,026	2,237	2,095	2,189	1,941	1,979	1,848	1,160	2,020	2,108	693,983	632,493	557,496	2,366	2,784	2,569	3,244	2,712	2,775	2,169	2,358	1,155	1,402	1,361	987	653	718	576	295,677	269,841	193,992
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Other Comprehensive Income	-3,064	-3,919	-6,388	-6,610	-5,573	-6,945	-5,770	-2,933	-1,626	1,344	2,000	2,507	2,293	1,251	345	-937	-2,726	-247	533	16	-518	-227	-407	-613	-1,141	366	-473	487	-1,162	-2,502	601	-7,304	-8,223	-9,043	-8,529	-9,399	-8,297	-8,917	-8,082	-10,366	-11,369	-12,027	-10,190	-10,800	-7,502	-7,539	-6,717	-5,435	-696	-2,275	-637	-971	-723	1,115	1,691	4,043	3,560	5,913	2,090	1,926	1,707	405	63	1,017	482	1,675	931	-865	269	-332	-316	-885	-683	-534	-545	6	-414	-126	0	0	0
Additional Paid In Capital	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Lease Obligations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Stock	700	698	698	695	694	692	692	689	686	684	684	681	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Surpluse	0	0	486,676	479,878	472,933	465,350	459,101	453,784	448,428	441,061	436,528	432,550	427,663	420,895	416,285	411,873	406,731	399,806	394,904	389,945	384,491	377,689	373,364	366,515	359,299	353,801	349,774	346,117	342,249	337,698	334,119	331,156	328,288	324,925	317,235	296,507	274,490	250,389	230,011	207,579	189,851	177,743	159,304	156,297	135,138	127,084	0	0	0	0	89,053	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash	2,129,772	1,568,768	2,161,762	2,233,027	2,324,022	1,755,603	1,369,170	1,202,587	998,348	858,732	1,000,076	715,624	1,148,052	1,129,898	907,611	1,756,477	671,744	773,300	456,207	511,125	288,832	256,447	533,869	622,750	1,490,692	617,989	624,169	628,172	1,054,651	683,487	584,754	486,627	895,454	283,448	366,711	222,774	228,450	210,039	198,160	155,484	128,398	128,823	195,231	196,264	140,987	28,411	23,317	20,638	7,933	8,796	7,412	5,820	4,360	5,397	4,364	5,834	3,569	3,181	4,351	3,441	4,578	5,463	4,481	6,194	6,680	8,434	13,911	13,315	15,594	15,212	16,589	17,922	17,284	16,161	17,275	15,232	10,743	10,053	0	1,838	2,673
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash And Short Term Investments	2,337,354	1,808,580	2,161,762	2,465,377	2,324,022	2,003,665	1,626,804	1,465,105	1,227,858	998,313	1,136,072	902,959	1,367,014	1,339,726	1,111,542	1,944,104	863,132	981,326	644,023	738,638	507,988	473,232	736,596	803,055	1,663,878	809,714	843,882	892,642	1,422,880	1,063,221	1,029,218	752,074	1,174,107	511,837	531,286	386,135	395,506	387,134	403,940	370,262	334,564	340,151	415,312	381,871	300,473	195,578	23,317	20,638	7,933	8,796	7,412	5,820	4,360	5,397	4,364	5,834	3,569	3,181	4,351	3,441	4,578	5,463	4,481	6,194	6,680	8,434	13,911	13,315	15,594	15,212	16,589	17,922	17,284	16,161	17,275	15,232	10,743	10,053	0	0	0
Common Stock	700	698	698	695	694	692	692	689	686	684	684	681	679	677	676	673	671	669	668	666	663	662	660	658	655	654	653	651	648	648	647	645	642	641	168	166	163	160	158	154	151	150	147	146	139	137	136	123	122	121	112	112	110	109	109	108	89	88	88	87	86	86	86	86	86	86	86	86	86	86	85	85	85	83	83	83	83	46	45	45	45
Common Stock Shares Outstanding	58,038	57,933	59,808	59,708	60,627	60,515	60,486	60,308	60,612	60,756	60,644	60,547	60,483	60,041	59,927	60,297	61,524	61,939	61,780	61,450	61,590	62,675	63,357	63,862	63,667	64,157	64,193	64,942	64,982	64,862	64,589	64,457	64,487	64,433	63,693	63,164	62,418	61,054	59,383	58,470	58,251	57,401	57,046	56,692	55,806	55,298	53,013	53,013	50,559	49,219	44,720	44,720	43,695	43,474	42,643	42,643	36,744	36,143	35,493	35,493	34,936	35,547	33,685	30,283	33,504	37,200	37,350	37,350	34,844	32,356	37,300	37,300	33,333	32,400	29,467	29,467	23,323	29,350	0	0	0
Common Stock Total Equity	0	0	0	695	694	692	692	689	686	684	684	681	679	677	676	673	671	669	668	666	663	662	660	658	655	654	653	651	648	648	647	645	642	641	168	166	163	160	158	154	151	150	147	146	139	137	136	123	122	121	112	112	110	109	109	108	89	88	88	87	86	86	86	86	86	86	86	86	86	86	85	85	85	83	83	83	83	46	0	0	0
Current Deferred Revenue	0	587,201	500,997	490,578	543,205	511,439	569,228	-512,409	330,187	175,167	200,817	-229,550	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Liab	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earning Assets	0	0	0	0	0	0	0	0	0	1,163,923	1,088,049	1,240,278	1,209,315	891,001	875,741	747,536	497,574	682,057	835,410	633,847	637,986	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Good Will	144,324	146,793	149,572	152,149	154,928	157,585	160,429	156,405	159,150	161,954	164,944	115,972	118,133	120,644	122,817	125,389	127,962	130,534	133,147	134,893	70,654	35,722	35,720	67,788	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets	28,130	28,043	29,338	25,443	25,396	25,526	26,373	25,213	23,519	20,110	18,438	17,911	16,631	14,314	12,130	10,675	9,962	11,262	10,632	9,784	75,777	55,322	42,635	10,752	10,228	9,066	8,044	7,200	6,731	6,150	4,855	3,943	3,375	3,475	2,687	2,098	1,354	1,037	749	562	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Inventory	-2,629,984	-2,448,259	-3,081,679	-2,899,356	-3,238,635	-2,284,310	-2,196,587	-2,388,092	-2,035,449	-2,083,709	-2,725,311	-2,035,445	6,804	6,296	6,333	6,408	7,307	7,556	7,461	7,485	7,616	8,665	9,497	9,591	8,326	40,179	30,310	26,760	23,211	50,803	52,702	54,608	102,877	90,555	107,151	104,561	110,666	131,816	90,788	135,371	64,754	88,505	73,393	78,856	99,342	98,634	122,370	79,638	90,979	104,910	52,852	27,788	10,654	19,764	20,386	7,865	8,090	13,983	8,397	8,841	6,806	6,421	1,568	219	0	0	0	0	0	0	0	0	0	0	781	189	0	845	216	435	3,602
Liabilities And Stockholders Equity	22,642,133	21,623,764	20,825,206	20,348,469	19,782,481	18,741,035	18,407,078	17,455,605	16,080,950	15,547,947	14,906,750	14,265,565	14,827,874	14,393,267	13,382,238	13,851,900	12,159,919	12,269,288	11,770,861	11,220,238	10,875,561	9,810,096	9,791,520	9,539,504	9,982,320	8,915,959	8,581,628	8,501,680	8,700,031	8,167,876	7,855,043	7,601,354	7,705,622	6,662,215	6,259,648	5,823,719	5,528,520	5,194,721	4,824,863	4,402,999	3,850,825	3,568,299	3,284,182	3,090,771	2,961,663	2,874,322	2,617,319	2,386,845	2,278,030	2,223,797	2,097,042	1,940,087	1,736,178	1,660,835	1,517,993	1,421,081	1,401,143	1,345,313	1,324,069	1,302,208	1,249,189	1,220,451	1,170,915	1,194,245	1,110,104	1,040,184	1,024,713	947,163	846,976	803,368	766,223	737,835	704,667	681,492	654,462	609,508	532,941	513,108	0	0	0
Long Term Debt	420,389	431,086	447,733	451,779	334,330	334,077	425,818	562,744	381,682	260,435	413,396	574,858	538,253	418,480	453,843	235,789	846,785	319,733	626,181	168,929	657,977	397,125	2,634,588	54,552	1,022,528	54,503	54,479	54,463	54,450	56,408	56,511	58,066	56,155	5,155	5,155	5,155	5,155	5,155	5,155	5,155	5,155	5,155	5,155	5,155	525,155	627,155	529,155	5,155	5,155	465,155	5,155	7,655	311,155	399,155	385,155	318,154	317,150	359,147	461,143	558,139	466,135	502,132	398,128	404,121	307,603	232,585	232,567	232,447	248,418	247,390	248,361	241,332	226,803	210,775	182,746	177,717	139,688	158,659	124,775	102,746	55,900
Long Term Debt Total	0	0	447,733	361,779	334,330	334,077	425,818	445,244	381,682	260,435	255,896	221,358	365,753	418,480	453,843	235,789	76,285	62,233	133,681	168,929	214,477	54,625	0	54,552	0	0	0	54,463	0	0	0	58,066	0	0	0	5,155	0	0	0	5,155	0	0	0	5,155	0	0	0	0	0	0	5,155	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long Term Investments	208,174	240,141	237,366	233,108	8,320	4,664	9,538	264,276	19,977	28,651	137,937	189,318	219,216	274,477	293,808	187,732	10,605,464	10,387,255	10,012,587	9,642,897	9,333,323	9,250,470	8,888,143	8,432,289	8,093,017	7,898,930	7,534,531	7,382,820	7,043,817	6,853,611	6,578,048	6,561,437	6,296,265	5,893,671	5,490,046	5,162,005	4,905,845	4,572,746	4,228,765	3,788,636	3,373,538	3,068,293	2,728,100	2,539,720	2,515,845	2,507,991	0	0	0	0	1,799,174	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Debt	-1,521,461	-1,137,682	-1,624,029	-1,781,248	-1,899,692	-1,321,526	-830,852	-639,843	-464,166	-440,797	-586,680	-140,766	-609,799	-528,918	-211,268	-1,278,188	175,041	-453,567	169,974	116,304	369,145	140,678	2,100,719	-111,198	-468,164	-20,486	-169,690	66,291	-39,201	37,921	126,757	298,439	18,701	479,707	459,444	535,381	359,705	465,116	881,995	759,671	468,757	605,332	465,924	399,308	324,168	503,744	385,838	406,517	356,222	326,359	284,743	306,835	186,795	263,758	250,791	182,320	183,581	225,966	326,792	424,698	331,557	366,669	393,647	397,927	300,923	224,151	218,656	219,132	232,824	232,178	231,772	223,410	209,519	194,614	165,471	162,485	128,945	148,606	0	0	0
Net Invested Capital	2,616,682	2,509,310	2,513,941	2,368,938	2,268,434	2,221,636	2,239,290	2,205,717	2,119,767	1,941,092	1,872,017	1,975,794	1,883,903	1,888,462	1,928,245	1,704,072	2,026,174	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Receivables	292,630	265,857	285,423	374,074	323,359	272,579	410,842	471,857	510,561	429,634	427,169	369,815	351,063	264,572	283,125	220,266	187,353	244,379	295,188	203,192	252,900	30,616	35,951	26,729	26,889	26,053	25,183	20,781	21,271	21,538	20,172	26,201	23,913	19,060	22,364	20,268	18,063	14,094	15,368	13,863	11,649	9,416	9,172	9,763	8,857	7,979	7,953	7,872	7,599	6,748	5,899	6,577	5,714	6,045	5,414	5,040	6,103	5,687	6,099	5,868	0	0	5,740	5,740	6,216	6,161	6,676	6,013	5,252	4,516	4,056	3,427	2,951	2,901	2,561	2,355	2,046	1,793	0	0	0
Net Tangible Assets	0	0	1,826,636	1,765,010	1,689,176	1,629,974	1,700,972	1,486,568	1,426,435	1,361,203	1,293,677	1,284,964	1,227,517	1,166,838	1,109,085	1,100,394	1,051,427	1,025,155	978,030	933,094	898,346	909,509	928,045	887,662	916,590	868,600	861,631	829,184	795,241	748,608	716,796	678,527	648,226	608,267	573,154	528,463	490,965	445,359	407,038	365,715	333,782	306,607	277,554	263,199	237,089	218,998	0	0	0	0	149,846	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Working Capital	-107,901	1,053,530	1,532,684	2,142,860	1,663,457	1,603,347	1,253,378	1,107,896	957,986	669,026	252,290	527,788	466,419	450,399	330,315	1,462,292	186,987	305,036	167,978	603,600	-32,238	9,395,677	9,409,058	9,177,116	9,705,234	8,644,908	8,264,465	8,151,561	8,251,073	7,711,592	7,320,436	7,057,564	7,136,508	6,145,483	5,789,673	5,371,201	5,069,774	4,734,127	4,323,532	3,894,627	118,198	113,854	166,957	366,696	126,976	20,101	29,409	26,708	13,592	13,273	11,285	10,160	7,979	9,253	7,837	8,895	7,824	7,708	8,430	7,201	-1,134,521	-1,083,636	-1,082,717	9,568	299,534	387,825	384,237	16,616	256,814	202,029	167,849	20,194	10,999	-30,912	-47,895	-29,566	80,264	-9,730	0	0	0
Non Current Assets Total	22,243,058	146,793	149,572	410,700	154,928	431,545	444,511	445,894	412,545	322,868	164,944	323,201	118,133	120,644	122,817	323,796	127,962	130,534	133,147	372,190	136,076	336,369	303,365	280,299	202,704	219,491	245,508	296,656	399,312	409,161	471,746	490,143	513,967	465,968	405,061	407,397	418,181	431,845	465,480	477,842	25,551	24,247	21,510	474,827	19,415	17,047	15,271	487,437	9,475	10,545	9,504	524,503	10,525	10,139	8,765	568,260	5,899	3,690	3,782	622,586	562,067	512,459	501,724	510,405	168	1,405	921	358,212	348	378	189	139,858	592	546	399	70,743	492	53,718	0	0	0
Non Current Liabilities Other	0	0	0	535,477	496,092	520,947	613,084	629,154	696,405	686,296	667,540	888,925	656,177	657,973	611,928	590,114	1,164,885	625,402	924,682	697,104	903,185	397,125	2,634,588	457,000	1,022,528	597,503	464,479	660,000	1,050,450	756,408	746,511	762,000	949,155	798,155	861,155	788,000	623,155	710,155	1,115,155	955,000	657,155	829,155	771,155	700,417	575,155	647,155	0	0	0	0	417,000	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Current Liabilities Total	19,938,864	431,086	537,733	451,779	660,565	672,897	784,268	562,744	534,182	417,935	413,396	574,858	538,253	600,980	696,343	326,337	846,785	319,733	626,181	627,429	657,977	397,125	2,634,588	511,552	1,022,528	597,503	454,479	694,463	1,015,450	721,408	711,511	785,066	914,155	763,155	826,155	758,155	588,155	675,155	1,080,155	915,155	597,155	734,155	661,155	595,572	465,155	532,155	409,155	427,155	364,155	335,155	292,155	312,655	191,155	269,155	255,155	188,154	187,150	229,147	331,143	428,139	336,135	372,132	398,128	404,121	307,603	232,585	232,567	232,447	248,418	247,390	248,361	241,332	226,803	169,275	123,091	131,217	139,688	137,659	0	0	0
Non Currrent Assets Other	22,054,365	-268,184	-266,704	-234,218	-305,408	-431,545	-444,511	-206,187	-412,545	-322,868	-156,375	-159,436	-235,847	-224,504	-216,484	-103,578	-277,506	-294,795	-274,164	-33,171	-229,511	-18,112	-17,925	-17,957	-27,087	-19,747	-33,857	-34,341	-36,627	-32,058	-26,892	-39,171	-37,427	-36,025	-31,280	-32,955	-30,829	-28,292	-24,240	-25,245	-473,708	-484,166	-502,079	-23,555	-454,389	-468,136	-472,333	-15,095	-508,973	-514,161	-515,251	-9,719	-548,012	-572,540	-551,119	-6,153	-585,824	-614,353	-663,994	-3,214	-562,067	-512,459	-501,724	-918	-462,485	-440,552	-451,264	-431	-302,070	-238,767	-179,661	-865	-81,354	-87,277	-93,910	-293	-84,901	-53,718	0	0	0
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Assets	20,160,455	19,668,391	18,513,872	17,098,318	17,303,531	16,033,246	15,924,921	15,127,189	13,929,986	13,797,132	13,741,730	12,669,590	13,561,689	13,142,725	12,351,810	11,363,734	11,360,213	11,365,454	10,993,691	9,906,218	10,450,653	10,146,465	10,094,885	9,819,803	10,185,024	9,135,450	8,827,136	8,798,336	9,099,343	8,577,037	8,326,789	8,091,497	8,219,589	7,128,183	6,664,709	6,231,116	5,946,701	5,626,566	5,290,343	4,880,841	3,685,227	3,405,813	3,058,269	2,224,310	2,792,404	2,820,885	2,570,778	1,870,898	2,253,023	2,197,708	2,074,227	1,403,187	1,715,579	1,639,254	1,499,450	841,947	1,385,572	1,332,755	1,309,837	670,313	682,643	702,628	664,908	671,906	807,618	648,385	636,311	569,623	587,039	598,792	597,993	576,628	691,674	668,997	641,316	521,178	451,467	447,544	68,421	14,800	5,381
Other Current Assets	399,075	2,182,402	2,796,256	2,899,356	2,915,276	2,284,310	2,196,587	2,333,652	2,035,449	2,083,709	2,162,146	2,035,445	-570,025	317,571	263,470	292,700	53,816	168,114	288,974	144,706	127,167	8,969,879	8,715,608	8,429,421	8,088,849	7,860,701	7,467,055	7,291,601	6,856,568	6,673,956	6,333,907	6,332,936	5,993,635	5,665,350	5,300,937	5,009,919	4,696,770	4,361,648	3,940,075	3,541,032	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Current Liab	-12,633	-755,050	-629,078	-696,591	-660,565	-672,897	-784,268	-54,440	-450,246	-583,754	-546,969	-974,536	-681,633	-679,499	-577,296	11,336,694	-484,757	-468,264	-476,045	-338,230	-321,070	-78,050	-79,097	-82,089	-74,382	-51,560	-71,655	-53,463	-49,646	-47,123	-62,861	-53,647	-55,147	-50,764	-64,914	-45,121	-40,565	-28,749	-35,851	-30,530	-21,849	-24,385	-37,446	-24,938	-22,868	-16,289	-1,861	-1,802	-1,940	-2,271	-2,026	-2,237	-2,095	-2,189	-1,941	-1,979	-1,848	-1,160	-2,020	-2,108	0	0	0	-2,366	-2,784	-2,569	-3,244	-2,712	-2,775	-2,169	-2,166	-1,155	-1,402	0	0	0	-718	0	0	0	0
Other Liab	0	0	341,915	397,192	0	431,421	784,268	566,094	553,628	528,796	510,040	535,425	489,400	679,499	376,151	327,232	318,100	305,669	298,501	227,609	231,378	78,050	79,097	82,089	74,382	51,560	71,655	53,463	49,646	47,123	62,861	53,647	55,147	50,764	64,914	45,121	40,565	28,749	35,851	30,530	21,849	24,385	37,446	24,938	22,868	16,289	20,487	17,982	15,163	11,816	14,236	9,341	7,042	7,718	8,347	4,939	5,135	5,720	6,397	6,606	3,918	4,481	6,041	6,338	5,519	5,527	5,734	4,017	4,109	3,132	3,619	2,053	2,219	2,368	2,370	2,090	2,245	1,586	1,191	693	687
Other Stockholder Equity	117,912	111,420	163,644	187,465	200,730	225,409	219,199	216,773	215,977	212,404	207,999	210,020	209,205	205,726	205,725	216,748	217,368	247,171	243,097	241,135	248,664	242,034	286,819	284,057	282,768	284,448	309,899	308,800	308,981	304,605	301,913	300,371	300,642	297,341	290,258	271,863	257,584	233,598	213,738	192,467	177,473	165,490	147,680	146,040	127,694	119,695	118,955	99,073	99,141	98,361	83,700	83,410	83,048	81,818	81,267	80,712	59,727	58,512	58,108	57,731	57,596	57,511	58,344	58,191	58,034	57,745	57,492	57,375	57,314	57,031	57,165	57,799	58,058	56,205	57,008	56,746	56,865	22,601	0	0	0
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Total Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	5,063	23,615	23,615	5,063	24,502	24,502	24,550	16,647	5,063	5,063	5,063	5,063	5,063	9,830	9,830	9,830	9,830	9,830	9,830	9,832	8,813	5,063	5,063	5,063	5,063	5,063	5,163	5,163	5,163	5,163	6,637	6,637	6,637	6,637	6,637	6,637	6,637	0
Property Plant And Equipment Gross	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	28,540	22,283	21,454	19,290	18,700	17,751	16,659	15,931	15,126	14,732	13,995	13,056	10,435	8,324	8,551	8,099	7,459	7,362	6,707	6,667	6,337	6,594	6,418	6,801	5,782	5,477	4,408	4,065	3,745	3,807	3,153	2,849	2,127	983	621	538	483	494	436	0	0	391	391	409	333	263	242	197	208	207	222	235	232	238	214	139	154	0	0	0
Property Plant And Equipment Net	0	0	0	116,929	0	0	0	105,405	0	0	0	90,373	0	0	0	103,578	75,237	73,767	75,716	33,171	0	28,540	22,283	21,454	19,290	18,700	17,751	16,659	15,931	15,126	14,732	13,995	13,056	10,435	8,324	8,551	8,099	7,459	7,362	6,707	6,667	6,337	6,594	6,418	6,801	5,782	5,477	4,408	4,065	3,745	3,807	3,153	2,849	2,127	983	621	538	483	494	436	0	0	0	391	409	333	263	242	197	208	207	222	235	232	238	214	139	154	0	0	0
Property Plant Equipment	0	0	0	116,929	0	0	0	105,405	0	0	0	90,373	0	0	0	103,578	75,237	73,767	75,716	33,171	0	28,540	22,283	21,454	19,290	18,700	17,751	16,659	15,931	15,126	14,732	13,995	13,056	10,435	8,324	8,551	8,099	7,459	7,362	6,707	6,667	6,337	6,594	6,418	6,801	5,782	5,477	4,408	4,065	3,745	3,807	3,153	2,849	2,127	983	621	538	483	494	436	0	0	0	391	409	333	263	242	197	208	207	222	235	232	238	214	139	154	157	181	214
Retained Earnings	2,080,745	1,970,025	1,818,254	1,735,609	1,648,253	1,568,403	1,486,851	1,428,444	1,370,548	1,308,725	1,247,938	1,187,728	1,133,473	1,079,828	1,025,156	1,009,299	964,076	908,096	866,879	826,170	785,613	746,869	708,112	671,348	634,308	583,132	551,552	519,246	486,774	445,857	413,635	384,815	355,165	319,328	291,257	265,833	241,515	220,518	201,224	183,460	167,527	152,994	139,917	127,813	116,758	106,705	97,269	88,357	80,170	72,839	66,559	60,152	54,686	49,487	44,637	39,882	35,277	28,275	22,900	19,365	15,934	13,513	10,925	14,975	13,275	12,335	11,761	11,091	10,264	9,480	8,752	8,084	7,321	6,571	5,923	5,178	4,444	3,686	3,196	2,714	679
Retained Earnings Total Equity	0	0	0	1,735,609	1,648,253	1,568,403	1,486,851	1,428,444	1,370,548	1,308,725	1,247,938	1,187,728	1,133,473	1,079,828	1,025,156	1,009,299	964,076	908,096	866,879	826,170	785,613	746,869	708,112	671,348	634,308	583,132	551,552	519,246	486,774	445,857	413,635	384,815	355,165	319,328	291,257	265,833	241,515	220,518	201,224	183,460	167,527	152,994	139,917	127,813	116,758	106,705	0	0	0	0	66,559	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Short Long Term Debt	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	151,952	0	0	0	286,000	0	0	0	229,500	1,022,787	597,629	464,720	265,000	0	0	0	322,000	0	0	0	323,000	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Short Long Term Debt Total	608,311	431,086	537,733	451,779	424,330	434,077	538,318	562,744	534,182	417,935	413,396	574,858	538,253	600,980	696,343	478,289	846,785	319,733	626,181	627,429	657,977	397,125	2,634,588	511,552	1,022,528	597,503	454,479	694,463	1,015,450	721,408	711,511	785,066	914,155	763,155	826,155	758,155	588,155	675,155	1,080,155	915,155	597,155	734,155	661,155	595,572	465,155	532,155	409,155	427,155	364,155	335,155	292,155	312,655	191,155	269,155	255,155	188,154	187,150	229,147	331,143	428,139	336,135	372,132	398,128	404,121	307,603	232,585	232,567	232,447	248,418	247,390	248,361	241,332	226,803	210,775	182,746	177,717	139,688	158,659	0	0	0
Short Term Debt	132,433	167,849	128,081	206,013	117,360	161,458	215,040	512,409	450,246	583,754	546,969	974,536	649,837	362,170	315,976	151,952	76,587	206,199	337,870	198,356	201,574	0	0	229,500	1,022,787	597,629	464,720	265,000	0	0	0	322,000	0	0	0	323,000	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	41,500	59,655	46,500	0	21,000	0	0	0
Short Term Investments	207,582	239,812	236,726	232,350	279,612	248,062	257,634	262,518	229,510	139,581	135,996	187,335	218,962	209,828	203,931	187,627	191,388	208,026	187,816	227,513	219,156	216,785	202,727	180,305	173,186	191,725	219,713	264,470	368,229	379,734	444,464	265,447	278,653	228,389	164,575	163,361	167,056	177,095	205,780	214,778	206,166	211,328	220,081	185,607	159,486	167,167	0	14,788	0	0	156,130	3,232	0	0	0	12,371	0	0	0	4,965	0	0	0	209,119	293,184	383,720	378,382	296,068	252,211	198,532	162,151	127,261	7,616	7,644	7,669	62,766	76,812	0	0	32,524	15,661
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Assets	22,642,133	21,623,764	20,825,206	20,348,469	19,782,481	18,741,035	18,407,078	17,455,605	16,080,950	15,547,947	14,906,750	14,265,565	14,827,874	14,393,267	13,382,238	13,851,900	12,159,919	12,269,288	11,770,861	11,220,238	10,875,561	9,810,096	9,791,520	9,539,504	9,982,320	8,915,959	8,581,628	8,501,680	8,700,031	8,167,876	7,855,043	7,601,354	7,705,622	6,662,215	6,259,648	5,823,719	5,528,520	5,194,721	4,824,863	4,402,999	3,850,825	3,568,299	3,284,182	3,090,771	2,961,663	2,874,322	2,617,319	2,386,845	2,278,030	2,223,797	2,097,042	1,940,087	1,736,178	1,660,835	1,517,993	1,421,081	1,401,143	1,345,313	1,324,069	1,302,208	1,249,189	1,220,451	1,170,915	1,194,245	1,110,104	1,040,184	1,024,713	947,163	846,976	803,368	766,223	737,835	704,667	681,492	654,462	609,508	532,941	513,108	453,939	405,039	273,464
Total Current Assets	399,075	1,808,580	2,161,762	2,839,451	2,324,022	2,276,244	2,037,646	1,882,522	1,738,419	1,427,947	1,000,076	1,272,774	1,148,052	1,129,898	907,611	2,164,370	671,744	773,300	644,023	941,830	288,832	9,473,727	9,488,155	9,259,205	9,779,616	8,696,468	8,336,120	8,205,024	8,300,719	7,758,715	7,383,297	7,111,211	7,191,655	6,196,247	5,854,587	5,416,322	5,110,339	4,762,876	4,359,383	3,925,157	140,047	138,239	204,403	391,634	149,844	36,390	31,270	28,510	15,532	15,544	13,311	12,397	10,074	11,442	9,778	10,874	9,672	8,868	10,450	9,309	4,479	5,364	4,283	11,934	302,318	390,394	387,481	19,328	259,589	204,198	168,041	21,349	12,401	11,949	12,747	17,587	80,982	11,846	0	0	0
Total Current Liabilities	506,976	755,050	629,078	696,591	660,565	672,897	784,268	774,626	780,433	758,921	747,786	744,986	681,633	679,499	577,296	702,078	484,757	468,264	476,045	338,230	321,070	78,050	79,097	82,089	74,382	51,560	71,655	53,463	49,646	47,123	62,861	53,647	55,147	50,764	64,914	45,121	40,565	28,749	35,851	30,530	21,849	24,385	37,446	24,938	22,868	16,289	1,861	1,802	1,940	2,271	2,026	2,237	2,095	2,189	1,941	1,979	1,848	1,160	2,020	2,108	1,139,000	1,089,000	1,087,000	2,366	2,784	2,569	3,244	2,712	2,775	2,169	192	1,155	1,402	42,861	60,642	47,153	718	21,576	0	0	0
Total Liab	20,445,840	19,545,540	18,848,998	18,431,310	17,938,377	16,953,476	16,706,106	15,812,632	14,495,365	14,024,790	13,448,129	12,864,629	13,482,224	13,105,785	12,145,273	12,621,054	10,975,467	11,108,536	10,654,621	10,147,188	9,836,076	8,815,695	8,791,273	8,578,991	9,060,667	8,042,296	7,714,934	7,667,433	7,899,727	7,414,205	7,133,184	6,917,764	7,052,333	6,048,885	5,681,431	5,290,193	5,032,492	4,744,299	4,412,762	4,032,221	3,511,980	3,256,629	3,001,565	2,822,509	2,700,959	2,631,709	2,402,613	2,180,225	2,074,791	2,030,201	1,930,549	1,792,321	1,593,994	1,523,243	1,385,226	1,291,273	1,292,660	1,242,695	1,231,053	1,213,269	1,164,036	1,139,106	1,091,665	1,111,163	1,033,164	963,280	949,380	874,413	773,980	731,940	695,374	667,589	634,723	612,530	585,356	540,858	465,326	480,264	421,643	373,280	250,579
Total Permanent Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Stockholder Equity	2,196,293	2,078,224	1,976,208	1,917,159	1,844,104	1,787,559	1,700,972	1,642,973	1,585,585	1,523,157	1,458,621	1,400,936	1,345,650	1,287,482	1,236,965	1,230,846	1,184,452	1,160,752	1,116,240	1,073,050	1,039,485	994,401	1,000,247	960,513	921,653	873,663	866,694	834,247	800,304	753,671	721,859	683,590	653,289	613,330	578,217	533,526	496,028	450,422	412,101	370,778	338,845	311,670	282,617	268,262	260,704	242,613	214,706	206,620	203,239	193,596	166,493	147,766	142,184	137,592	132,767	129,808	108,483	102,618	93,016	88,939	85,153	81,345	79,250	83,082	76,940	76,904	75,333	72,750	72,996	71,428	70,849	70,246	69,944	68,962	69,106	68,650	67,615	32,844	32,296	31,759	22,885
Treasury Stock	0	0	0	0	0	0	0	0	-232,451	-228,657	-228,529	-222,530	-218,458	-215,169	-210,560	-195,125	-189,363	-152,635	-151,807	-148,810	-135,827	-135,655	-86,545	-82,458	-76,531	-69,353	-39,875	-37,317	-33,268	-33,093	-32,206	-30,785	-27,646	-27,584	-26,977	-24,644	-16,906	-16,791	-16,273	-15,112	-12,378	-12,253	-11,624	-10,257	-7,444	7,389	-7,195	-6,610	-5,346	-5,327	-5,241	-4,933	-4,023	-3,975	-3,937	-3,893	-3,603	-3,573	-3,609	-3,589	-3,487	-3,475	-2,493	-2,493	-2,428	-2,428	-2,428	-2,428	-2,352	-2,352	-2,073	-1,325	-883	-883	0	0	0	0	0	0	0
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0

Cash Flow

Currency in USD. All numbers in thousands.

	2023-06-30	2022-06-30	2021-06-30	2020-06-30	2019-06-30	2018-06-30	2017-06-30	2016-06-30	2015-06-30	2014-06-30	2013-06-30	2012-06-30	2011-06-30	2010-06-30	2009-06-30	2008-06-30	2007-06-30	2006-06-30	2005-06-30	2004-06-30	2003-06-30
Begin Period Cash Flow	1,574,699	1,037,777	1,950,519	857,368	622,850	643,541	486,727	222,874	155,584	201,694	35,426	9,052	18,205	8,406	16,264	39,708	25,288	23,811	24,859	6,462	35,227
Capital Expenditures	30,215	21,504	10,437	12,333	20,082	11,817	8,758	10,239	5,117	3,163	3,914	2,571	3,150	420	216	281	108	87	146	64	58
Cash And Cash Equivalents Changes	807,387	536,922	-912,742	1,093,151	234,518	-20,691	156,814	263,853	67,290	-46,110	166,268	0	0	0	0	0	0	0	0	0	0
Cash Flows Other Operating	-12,724	-115,456	-46,962	-90,038	-41,283	-90,213	23,533	-79,798	-36,597	-19,202	-22,204	0	0	0	0	0	0	0	0	0	0
Change In Cash	807,387	536,922	-912,742	1,093,151	234,518	-20,691	156,814	263,853	67,290	-46,110	166,268	26,374	-9,153	9,799	-7,858	-23,444	14,420	1,477	-1,048	18,397	-28,765
Change In Working Capital	-154,360	-112,996	106,509	52,146	4,133	-34,054	44,255	-53,991	-13,768	209	5,146	4,063	3,038	-2,469	-10,709	5,031	-3,537	-3,032	-5	-449	-30
Change Receivables	43,342	-43,925	-149,549	-17,074	1,384	-6,082	4,511	-6,070	-6,405	-4,100	-1,891	0	0	0	0	0	0	0	0	0	0
Change To Account Receivables	43,342	-98,365	-149,549	-17,074	1,384	-6,082	4,511	-6,070	-6,405	-4,100	-1,891	-1,295	-1,537	828	0	273	0	0	0	0	0
Change To Inventory	0	0	465,784	11,737	-19,949	-9,300,193	-8,159,262	-7,165,923	-5,434,270	-3,926,441	0	0	3,104	0	0	2	30	297	340	3,531	0
Change To Liabilities	-183,978	47,131	-817	106,660	18,013	28,119	-6,017	6,304	10,369	5,593	5,639	0	3,362	0	0	2,252	1,964	0	370	6	0
Change To Netincome	12,383	56,937	47,756	76,190	54,761	75,522	63,581	171,398	68,297	-11,462	-302	0	0	0	0	0	0	0	0	0	0
Change To Operating Activities	0	-125,261	-80,485	-74,126	8,056	-40,519	424	-9,138	-18,037	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	23,387	35,495	34,722	18,144	16,471	8,574	6,094	4,795	3,273	2,874	1,904	1,316	618	235	171	-1,771	2,217	2,316	1,127	692	628
Dividends Paid	108,724	0	103	386	232	309	309	309	309	309	1,137	969	309	611	594	312	312	360	405	140	0
End Period Cash Flow	2,382,086	1,574,699	1,037,777	1,950,519	857,368	622,850	643,541	486,727	222,874	155,584	201,694	35,426	9,052	18,205	8,406	16,264	39,708	25,288	23,811	24,859	6,462
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	157,744	184,506	402,145	254,298	184,339	143,682	215,126	200,405	110,985	18,156	11,836	-58,842	965	-15,420	-10,362	9,102	1,718	2,427	4,229	5,712	-1,040
Investments	-2,390,351	-2,772,412	-47,671	5,082,170	5,819,344	4,784,731	3,332,873	2,115,738	1,823,240	892,252	457,248	0	0	0	0	0	0	0	0	0	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Borrowings	-111,800	173,180	97,748	-75,300	-118,400	-50,000	-102,000	25,000	-167,000	254,583	168,417	0	0	0	0	0	0	0	0	0	0
Net Income	307,165	240,716	215,707	183,438	155,131	152,411	134,740	119,291	82,682	55,956	40,291	29,476	20,579	21,128	7,142	4,196	3,319	3,266	2,869	2,175	1,730
Other Cashflows From Financing Activities	3,170,542	3,353,805	-13,396	-7,457	-9,916	-9,951	1,957,888	2,531	5,526	4,856	2,332	739	663	789	393,744	14	250,730	142,325	205,486	132,424	54,028
Other Cashflows From Investing Activities	-8,314,256	-9,905,617	615	-6,418,276	-6,731,003	-5,798,919	-4,144,764	-3,692,917	-3,192,299	-2,207,261	-964,908	8,401	3,484	6,650	3,124	0	0	0	0	0	0
Other Non Cash Items	5,253	30,953	43,787	-2,297	13,933	-8,865	26,479	136,357	46,301	-40,098	-30,006	-92,432	-22,047	-30,393	-5,942	2,892	-1,082	60	451	3,668	-2,501
Sale Purchase Of Stock	-48,963	-14,481	-21,907	-38,858	-56,437	-35,183	-6,532	2,563,285	2,135,162	1,835,037	813,132	519,976	707,567	607,446	-1,006	323,377	0	0	-31,315	0	0
Stock Based Compensation	26,100	21,242	20,685	21,935	23,439	20,399	14,535	11,326	6,648	4,358	3,297	2,493	2,153	866	651	776	491	-118	-177	-364	-778
Total Cash From Financing Activities	3,009,779	3,103,324	-458,555	2,157,472	961,838	837,400	753,579	1,640,627	1,325,364	1,250,743	662,092	412,591	497,925	96,718	101,223	237,898	203,418	125,465	200,081	129,284	54,028
Total Cash From Operating Activities	187,959	206,010	412,582	266,631	204,421	155,499	223,884	210,644	116,102	21,319	15,750	-56,271	4,115	-15,000	-10,146	9,383	1,826	2,514	4,375	5,776	-982
Total Cashflows From Investing Activities	-2,390,351	-2,776,684	-866,769	-1,348,439	-931,741	-1,026,005	-820,649	-1,587,418	-1,374,176	-1,318,172	-511,574	-329,946	0	0	0	0	0	0	0	0	0

	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30	2003-06-30
Begin Period Cash Flow	1,763,723	2,413,769	2,382,086	2,504,224	1,952,513	1,698,048	1,574,699	1,249,314	1,118,358	1,269,434	1,037,777	1,442,955	1,443,195	1,122,161	1,950,519	854,199	1,026,175	702,322	857,368	763,339	256,547	533,969	622,850	1,491,041	618,089	631,921	643,541	1,078,757	707,593	599,054	486,727	895,554	284,431	367,846	222,874	228,550	210,139	198,260	155,584	128,398	131,886	196,983	201,694	143,490	89,502	43,344	35,426	25,858	22,303	33,595	9,052	10,681	12,673	14,299	18,205	7,104	9,606	8,396	8,406	10,219	14,777	5,848	16,264	15,563	44,893	18,003	39,708	13,326	13,810	13,124	25,288	22,244	15,653	24,709	23,811	21,062	18,577	0	0	0	-	-	-	0
Capital Expenditures	8,442	10,539	6,492	10,517	5,716	6,061	7,921	9,687	3,087	4,787	3,943	1,451	3,171	4,061	1,754	2,377	3,892	2,886	3,178	3,296	5,823	7,769	3,194	3,467	2,614	2,896	2,840	2,506	2,357	1,805	2,090	2,418	3,931	3,109	781	1,374	1,508	863	1,372	753	1,074	439	897	242	1,512	754	1,406	682	667	270	952	558	903	1,252	437	148	115	45	112	111	30	60	15	22	113	100	46	68	12	22	6	7	23	6	51	106	11	29	3	64	0	0	0	0
Cash And Cash Equivalents Changes	0	0	0	-122,138	551,711	254,465	123,349	325,385	130,956	-151,076	231,657	-405,178	-240	321,034	-828,358	1,096,320	-171,976	323,853	-155,046	94,029	506,792	-277,422	-88,881	-868,191	872,952	-13,832	-11,620	-435,216	371,164	108,539	112,327	0	0	0	144,972	-5,676	18,411	11,879	42,676	27,186	-3,488	-65,097	-4,711	0	0	0	0	0	0	0	24,543	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Cash Flows Other Operating	0	0	0	15,205	-10,253	-13,012	-4,664	16,168	-14,223	6,549	-123,950	-51,123	-28,399	595	31,965	-53,372	-56,323	7,582	12,075	-4,960	-33,975	-6,368	4,020	-25,767	-38,109	-24,033	-2,304	14,975	10,932	-5,573	3,199	0	0	0	-2,627	-11,706	-16,783	-2,890	-5,218	-7,194	-3,267	-3,455	-5,286	0	0	0	0	0	0	0	-3,975	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Change In Cash	582,188	-650,046	31,683	-122,138	551,711	254,465	123,349	325,385	130,956	-151,076	231,657	-405,178	-240	321,034	-828,358	1,096,320	-171,976	323,853	-155,046	94,029	506,792	-277,422	-88,881	-868,191	872,952	-13,832	-11,620	-435,216	371,164	108,539	112,327	-408,827	611,123	-83,415	144,972	-5,676	18,411	11,879	42,676	27,186	-3,488	-65,097	-4,711	58,204	53,988	46,158	7,918	9,568	3,555	-11,292	24,543	-1,629	-1,992	-1,626	-3,906	11,101	-2,502	1,210	-10	-1,813	-4,558	8,929	-10,416	701	-29,330	26,890	-21,705	26,382	-484	686	-12,164	3,044	6,591	-9,056	898	2,749	2,485	0	0	0	-	-	-	0
Change In Working Capital	136,028	22,520	-78,285	-11,791	-134,379	-7,706	-484	58,998	58,842	-24,170	-206,666	225	-43,562	120,624	29,222	-14,813	40,965	49,219	-23,225	37,657	-31,886	993	-2,631	-12,366	16,445	-31,519	8,489	22,538	17,242	-19,386	23,862	-54,422	7,714	-27,479	19,709	-6,525	-3,205	-5,759	1,505	2,383	-3,317	-12,826	14,029	1,341	2,493	5,144	-1,764	5,527	1,710	-6,180	4,147	-2,220	63	2,423	2,772	-2,548	2,958	-381	-2,498	-1,006	2,696	-12,474	75	1,680	3,775	491	-915	-1,662	-2,443	104	464	-1,589	-748	-384	-311	-386	947	0	0	0	-	-	-	0
Change Receivables	0	0	0	-50,716	-50,780	83,823	61,015	93,144	-80,927	-2,465	-53,677	-18,752	-86,491	18,435	-62,741	-32,913	57,026	52,606	-93,793	49,694	-44,404	5,317	-9,223	160	-838	-911	-4,493	471	265	-2,201	5,976	0	0	0	-2,096	-2,205	-3,969	1,274	-1,505	-2,214	-2,233	-244	591	0	0	0	0	0	0	0	678	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Change To Account Receivables	-26,773	19,566	88,651	-50,716	-50,780	83,823	61,015	38,704	-80,927	-2,465	-53,677	-18,752	-86,491	18,435	-62,741	-32,913	57,026	52,606	-93,793	49,694	-44,404	5,317	-9,223	160	-838	-911	-4,493	471	265	-2,201	5,976	-2,304	-4,853	3,183	-2,096	-2,205	-3,969	1,274	-1,505	-2,214	-2,233	-244	591	-906	-878	-26	-81	-273	-851	-849	678	0	0	0	0	828	0	181	0	0	7	520	0	273	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Change To Inventory	0	0	-63,374	0	0	0	0	0	0	48,382	-308,359	-47,463	267,295	54,636	112,165	-63,736	-145,483	-117,975	159,573	-5,461	0	-9,476,716	-9,478,930	-9,279,550	-9,785,197	-8,713,644	-8,334,006	-8,183,462	-8,284,322	-7,759,262	-7,374,947	-7,160,126	-7,183,403	-6,212,339	-5,852,544	-5,421,837	-5,121,355	-4,762,591	-4,361,085	-3,928,749	52,599	21,618	39,610	0	0	0	0	-1,696	0	-3,054	4,750	0	5,562	0	0	0	0	0	157	0	0	0	1	2	2	2	2	30	23	17	8	297	294	287	0	340	509	0	230	3,531	-	-	-	0
Change To Liabilities	0	0	28,220	23,362	-73,374	-78,814	26,485	-39,069	151,143	-30,830	18,949	11,091	-6,603	93,747	39,829	73,424	-190	-17,083	50,509	-9,794	31,775	-1,335	-2,633	7,819	22,864	-13,432	10,868	505	580	-16,638	9,536	6,304	9,507	5,192	19,762	1,195	11,780	-7,318	4,712	8,189	-2,528	-13,126	13,058	5,639	3,750	0	1,918	0	0	1,730	4,539	3,362	1,973	2,697	3,290	0	0	0	0	0	0	0	0	2,252	1,512	115	606	1,964	1,708	1,079	1,203	0	749	278	334	370	435	893	498	6	-	-	-	0
Change To Netincome	0	0	30,181	-11,168	-7,790	26,927	7,050	10,778	18,022	15,811	3,617	35,340	7,339	44,532	-2,071	22,784	30,580	16,248	6,578	-2,675	13,834	32,064	11,538	27,040	14,235	19,000	15,247	5,050	32,023	9,049	17,459	48,440	0	0	1,145	9,602	21,291	-6,499	43,903	-66,078	31,778	-17,960	40,798	0	0	0	0	0	0	0	61,223	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Change To Operating Activities	0	0	-2,943	-2,943	-2,943	49,003	38,515	69,729	36,284	-31,044	-200,230	-62,614	-45,163	18,965	8,327	-76,970	25,841	53,941	-76,938	26,510	-25,507	-2,772	9,825	-20,269	-5,421	-16,984	2,155	424	0	0	0	-9,138	0	0	0	-18,037	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Depreciation	7,221	6,487	5,878	5,914	4,893	5,779	6,801	8,774	9,261	9,386	8,074	8,844	8,520	8,517	8,841	5,028	4,532	4,716	3,868	5,123	4,765	3,567	3,016	2,855	2,024	1,947	1,748	1,778	1,552	1,411	1,353	1,479	1,310	998	1,008	922	868	766	717	713	744	696	721	625	493	449	337	339	347	332	298	254	181	108	75	65	60	56	54	46	589	2,394	-2,858	-3,642	63	839	969	604	588	-167	1,192	482	688	573	573	413	306	0	0	0	-	-	-	0
Dividends Paid	0	0	0	53,760	0	0	2,891	0	0	0	0	103	103	26	77	77	77	78	154	232	77	78	77	77	77	78	77	77	77	78	77	77	77	78	77	77	77	78	77	77	77	77	78	658	324	78	77	378	436	77	78	77	78	77	77	188	173	173	77	173	173	170	78	80	78	77	77	77	78	79	78	79	78	102	101	101	101	203	101	140	-	-	-	0
End Period Cash Flow	2,345,911	1,763,723	2,413,769	2,382,086	2,504,224	1,952,513	1,698,048	1,574,699	1,249,314	1,118,358	1,269,434	1,037,777	1,442,955	1,443,195	1,122,161	1,950,519	854,199	1,026,175	702,322	857,368	763,339	256,547	533,969	622,850	1,491,041	618,089	631,921	643,541	1,078,757	707,593	599,054	486,727	895,554	284,431	367,846	222,874	228,550	210,139	198,260	155,584	128,398	131,886	196,983	201,694	143,490	89,502	43,344	35,426	25,858	22,303	33,595	9,052	10,681	12,673	14,299	18,205	7,104	9,606	8,396	8,406	10,219	14,777	5,848	16,264	15,563	44,893	18,003	39,708	13,326	13,810	13,124	25,288	22,244	15,653	24,709	23,811	21,062	18,577	0	0	-	-	-	0
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Free Cash Flow	103,581	102,685	27,378	58,195	-63,545	100,194	62,900	131,113	138,896	51,881	-137,384	98,404	25,139	214,065	64,537	42,292	89,416	104,337	18,253	74,514	5,256	64,234	40,335	45,870	48,812	11,153	50,263	52,482	83,389	15,886	63,369	105,053	29,829	24,844	40,679	19,654	31,310	2,477	57,544	-53,273	35,938	-23,600	59,091	28,501	20,006	-2,926	-33,745	-9,012	-61,704	-52,936	64,810	-6,239	13,367	2,541	-8,704	-3,610	1,560	-9,301	-4,069	-3,671	2,222	-9,950	1,037	2,528	4,034	1,705	835	-194	-762	237	2,437	-732	764	1,772	623	516	3,097	616	936	5,712	-	-	-	0
Investments	-419,106	-1,230,264	-505,965	-582,375	1,359,295	1,725,802	1,029	-1,052,578	1,777,920	1,789,398	125,745	-38,572	-7,521	1,183,591	990,992	840,439	2,276,020	1,022,137	943,574	1,118,681	2,159,435	1,547,524	993,704	947,707	2,028,749	1,010,927	797,348	1,032,412	735,692	833,024	731,745	-66,417	0	0	523,932	536,442	473,287	429,226	384,285	218,009	227,378	273,088	173,777	0	0	0	0	0	0	0	25,699	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Net Borrowings	0	0	85,700	27,200	-10,000	-104,500	-24,500	28,303	116,077	4,400	-161,600	36,467	-63,874	-90,595	218,002	-12,500	14,000	-96,500	19,700	-60,600	74,700	-112,500	-20,000	-15,000	-10,000	-10,000	-15,000	-336,000	296,000	10,000	-72,000	25,000	0	0	68,000	160,000	-87,000	-405,000	165,000	253,000	-137,000	73,000	65,583	0	0	0	0	0	0	0	-20,500	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Net Income	110,720	151,771	82,645	87,356	79,850	81,552	58,407	57,896	61,823	60,787	60,210	54,255	53,645	54,785	53,022	45,300	56,057	41,295	40,786	40,634	38,821	38,835	36,841	37,117	51,253	31,658	32,383	32,549	40,994	32,300	28,897	29,727	35,914	28,149	25,501	24,395	21,074	19,372	17,841	16,010	14,610	13,154	12,182	11,132	10,402	9,768	8,989	8,565	7,718	6,660	6,533	5,543	5,277	4,927	4,832	4,697	7,175	5,548	3,708	3,604	2,594	2,761	-1,817	1,780	1,018	651	747	904	862	807	746	842	828	750	846	835	859	514	661	776	649	396	354	1,730
Other Cashflows From Financing Activities	-2,134	552,305	607,950	436,083	1,047,717	513,863	1,178,136	1,272,163	581,113	526,002	951,827	-612,357	143,202	-744	-5,291	149,210	429,110	838,986	-2,997	320,790	551,563	70,822	-4,087	-327,329	163,710	460,956	266,735	446,176	533,994	537,029	-72	1,035	1,290,075	187	2,323	4,593	79	64,298	556	2,242	133	484,458	242,547	121,232	172	271,947	312	135,169	61,326	124,008	140	306	225	181,683	95	40,057	121,562	225,455	236,255	11	156,475	142,000	-10	100,408	111,874	33,198	78,130	121,508	46,035	36,745	25,442	49,281	22,586	26,258	44,189	75,539	23,675	50,052	25,836	75,849	-	-	-	0
Other Cashflows From Investing Activities	0	0	-499,473	-2,196,548	-1,750,151	-1,980,855	-2,386,702	-2,936,788	-2,361,973	-2,518,357	-395,005	632	-15	-1,878,720	-1,305,341	-1,198,867	-2,480,606	-1,395,029	-1,343,774	-1,383,300	-2,148,285	-1,865,424	-1,333,994	-1,366,362	-2,192,878	-1,353,790	-885,889	-1,284,209	-932,834	-1,037,322	-890,399	1,478	1,442	1,442	-809,479	-834,999	-784,818	-777,070	-795,412	-665,552	-535,652	-599,966	-406,091	3,151	2,266	759	454	8,401	7,284	6,270	-210,945	3,484	3,198	1,621	959	6,650	5,624	2,300	3,124	3,124	2,689	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Other Non Cash Items	-91,467	-91,651	13,304	-10,401	2,088	8,982	4,584	14,989	7,404	9,053	-493	30,082	4,971	33,679	-24,945	-2,127	-3,715	8,582	-5,037	-16,016	5,940	24,127	-118	5,710	-16,917	1,304	-1,649	-6,749	27,055	2,876	3,297	129,766	-13,783	27,813	-7,439	2,066	15,261	-9,240	38,214	-72,413	25,645	-23,781	30,451	16,461	9,629	-17,139	-41,289	-19,800	-71,500	-54,141	53,009	-10,843	7,304	-3,158	-15,350	-5,355	-8,109	-12,254	-4,675	-5,146	-5,438	-6,111	8,302	178	-1,591	-1,320	-379	59	-184	-452	-370	-414	-788	325	-671	-56	795	0	0	0	-	-	-	0
Sale Purchase Of Stock	-595	-64,111	-18,472	-17,358	-31,605	-39	-2,891	-4,560	-3,794	-128	-5,999	-4,072	-3,289	-9,165	-12,742	-3,020	-35,838	-828	291,350	-8,556	-172	-49,110	218,087	-5,921	-6,888	-29,477	-2,558	-4,049	-175	-887	407,050	-1,272,196	0	651,604	620,592	396,923	526,378	306,641	905,220	531,817	591,891	16,769	-110	-420,698	150,897	0	269,801	-212,709	0	0	212,709	245,377	154,876	0	125,668	0	0	0	-12	-12	0	0	-6,208	219	0	0	-219	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Stock Based Compensation	9,223	6,591	6,802	6,946	7,585	6,249	5,320	5,359	7,369	4,533	3,981	4,889	6,770	4,611	4,415	5,144	6,927	4,903	4,961	5,458	6,803	4,327	6,851	7,214	5,499	4,027	3,659	3,571	4,514	3,413	3,037	2,856	3,354	2,858	2,258	1,861	1,772	1,695	1,320	1,212	1,071	1,109	966	862	893	834	708	643	669	611	570	617	604	552	380	275	231	228	132	226	1,402	1,311	163	0	1,659	1,358	121	-7	97	146	120	-3	755	648	90	-103	-30	0	0	0	-	-	-	0
Total Cash From Financing Activities	850,986	466,994	503,778	391,525	1,006,112	409,324	1,202,818	1,237,163	576,113	526,002	764,046	-764,309	82,202	802,098	-578,546	1,394,969	-56,806	592,408	226,901	284,134	490,386	-23,756	211,074	-495,406	988,269	317,878	26,658	-235,901	484,917	296,951	207,612	-135,042	998,998	386,831	389,840	273,227	298,632	357,246	396,259	528,002	268,848	285,381	168,512	120,574	69,510	251,869	220,139	102,791	40,890	123,931	144,979	196,608	72,024	138,606	90,687	14,869	51,389	12,282	18,178	46,368	25,302	47,830	-18,277	80,828	69,796	14,121	73,153	100,431	40,957	36,666	25,364	32,713	22,508	26,156	44,088	75,438	18,700	105,943	47,790	129,284	-	-	-	0
Total Cash From Operating Activities	112,023	113,224	33,870	68,712	-57,829	106,255	70,821	140,800	141,983	56,668	-133,441	99,855	28,310	218,126	66,291	44,669	93,308	107,223	21,431	77,810	11,079	72,003	43,529	49,337	51,426	14,049	53,103	54,988	85,746	17,691	65,459	107,471	33,760	27,953	41,460	21,028	32,818	3,340	58,916	-52,520	37,012	-23,161	59,988	28,743	21,518	-2,172	-32,339	-8,330	-61,037	-52,666	65,762	-5,681	14,270	3,793	-8,267	-3,462	1,675	-9,256	-3,957	-3,560	2,252	-9,890	1,052	2,550	4,147	1,805	881	-126	-750	259	2,443	-725	787	1,778	674	622	3,108	645	939	5,776	-	-	-	0
Total Cashflows From Investing Activities	0	0	-505,965	-582,375	-396,572	-261,114	-1,150,290	-1,056,850	-587,140	-733,746	-398,948	259,276	-110,752	-699,190	-316,103	-360,805	-208,478	-375,778	-403,378	-267,915	5,327	-325,669	-343,484	-422,122	-166,743	-345,759	-91,381	-254,303	-199,499	-206,103	-160,744	-1,537,536	0	0	-286,328	-299,931	-313,039	-348,707	-412,499	-448,296	-309,348	-327,317	-233,211	-511,574	0	0	0	-329,946	0	0	-186,198	0	0	0	0	0	0	0	0	0	0	0	6,809	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0

Income Statement

Currency in USD. All numbers in thousands.

	2023-06-30	2022-06-30	2021-06-30	2020-06-30	2019-06-30	2018-06-30	2017-06-30	2016-06-30	2015-06-30	2014-06-30	2013-06-30	2012-06-30	2011-06-30	2010-06-30	2009-06-30	2008-06-30	2007-06-30	2006-06-30	2005-06-30	2004-06-30	2003-06-30	2002-06-30	2001-06-30
Cost Of Revenue	0	0	0	0	0	132,380	85,120	66,396	56,619	41,131	41,576	44,608	40,222	40,728	46,149	47,507	33,713	22,818	13,882	9,497	8,711	-	-
Depreciation And Amortization	23,387	35,495	34,722	18,144	16,471	8,574	6,094	4,795	3,273	2,874	1,904	1,316	618	235	171	132	2,217	2,316	1,127	692	628	-	-
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Ebit	431,744	392,529	305,743	262,632	369,088	346,279	306,752	261,591	186,276	130,050	102,227	86,082	68,594	70,830	53,467	52,160	39,341	28,206	18,273	12,888	11,420	9,593	2,452
Ebitda	455,131	428,024	340,465	280,776	385,559	354,853	312,846	266,386	189,549	132,924	104,131	87,398	69,212	71,065	53,638	52,292	41,558	30,522	19,400	13,580	12,048	9,593	2,452
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Extraordinary Items	0	0	0	0	0	-9,189	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Gross Profit	890,176	705,337	632,851	572,388	488,540	439,435	381,359	327,351	229,535	159,552	129,338	98,361	68,047	64,973	31,126	19,399	12,028	11,297	9,876	7,720	6,437	492	362
Income Before Tax	431,744	339,959	305,743	262,632	212,806	239,699	232,693	204,895	140,857	94,269	68,201	49,537	34,172	35,877	12,048	7,011	5,603	5,448	4,761	3,646	2,994	591	-1,081
Income Tax Expense	124,579	99,243	90,036	79,194	57,675	87,288	97,953	85,604	58,175	38,313	27,910	20,061	13,593	14,749	4,906	2,815	2,284	2,182	1,892	1,471	1,264	429	-1
Interest Expense	374,017	52,570	79,121	145,228	156,282	106,580	74,059	56,696	45,419	35,781	34,026	36,545	34,422	34,953	41,419	45,281	33,738	22,758	13,512	9,242	8,426	8,144	3,535
Interest Income	1,157,138	659,728	617,863	622,839	564,887	475,074	387,286	317,707	244,364	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Net Income	307,165	240,716	215,707	183,438	155,131	152,411	134,740	119,291	82,682	55,956	40,291	29,476	20,579	21,128	7,142	4,196	3,319	3,266	2,869	2,175	1,730	1,020	-1,082
Net Income Applicable To Common Shares	307,165	240,716	215,518	183,129	154,822	152,102	134,431	118,982	82,373	55,647	39,456	28,205	20,270	20,517	6,453	3,884	3,007	2,906	2,464	2,035	1,730	-	-
Net Income From Continuing Ops	307,165	240,716	215,707	183,438	155,131	152,411	134,740	119,291	82,682	55,956	40,291	0	0	0	0	0	0	0	0	0	0	-	-
Net Interest Income	783,121	607,158	538,742	477,611	408,605	368,494	313,227	261,011	198,945	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Non Operating Income Net Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Non Recurring	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Operating Income	431,744	392,529	305,743	262,632	369,088	346,279	306,752	261,591	186,276	130,050	102,227	86,082	68,594	70,830	53,467	52,160	39,341	28,206	18,273	12,888	11,420	9,593	2,452
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Other Operating Expenses	458,432	56,683	327,108	309,756	119,452	93,156	20,947	17,334	13,227	9,507	11,789	6,797	3,896	2,625	2,829	2,177	1,883	1,624	1,230	5,168	4,983	9,101	2,090
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Reconciled Depreciation	23,387	35,495	34,722	34,986	16,471	8,574	6,094	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Selling And Marketing Expenses	37,150	13,580	14,212	14,523	14,710	15,500	9,367	6,867	6,060	3,724	4,084	2,703	1,025	444	560	750	584	338	255	220	189	-	-
Selling General Administrative	267,673	272,475	229,379	205,436	195,803	138,259	111,054	92,114	61,052	45,739	41,477	28,211	20,395	12,005	10,302	5,426	2,993	2,386	2,450	1,880	1,538	-	-
Tax Provision	124,579	99,243	90,036	79,194	57,675	87,288	97,953	85,604	58,175	0	0	0	0	0	0	0	0	0	0	0	0	-	-
Total Operating Expenses	-458,432	56,683	-327,108	-309,756	-119,452	-93,156	20,947	17,334	13,227	9,507	11,789	6,797	3,896	2,625	2,829	2,177	1,883	1,624	1,230	5,168	4,983	9,101	2,090
Total Other Income Expense Net	431,744	-52,570	305,743	262,632	-156,282	-106,580	-74,059	-56,696	-45,419	-35,781	-34,026	-36,545	-34,422	-34,953	-41,419	-45,149	-33,738	-22,758	-13,512	-9,242	-8,426	-9,002	-3,533
Total Revenue	890,176	705,337	632,851	572,388	488,540	439,435	381,359	327,351	229,535	159,552	129,338	98,361	68,047	64,973	31,126	19,399	12,028	11,297	9,876	7,720	6,437	492	362

	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30	2003-06-30
Cost Of Revenue	33,163	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	43,469	37,118	35,750	45,097	27,572	23,961	1	23,266	22,040	19,600	19,006	16,725	16,164	14,501	15,173	15,146	13,870	12,430	11,896	11,100	9,399	8,736	9,958	9,983	10,581	11,054	10,514	11,013	11,130	11,951	10,369	9,775	10,061	10,017	9,178	9,848	10,490	11,212	11,150	11,266	11,863	11,870	12,689	12,348	11,805	10,665	9,591	8,463	8,148	7,511	6,534	5,845	5,705	4,734	4,211	3,591	3,327	2,753	2,740	2,380	2,186	2,191	8,711
Depreciation And Amortization	7,221	6,488	5,878	5,914	4,893	5,779	6,801	6,022	9,261	9,386	8,074	6,211	8,520	8,517	8,841	6,982	4,532	4,716	3,868	5,123	4,765	3,567	3,016	2,855	2,024	1,947	1,748	1,778	1,552	1,411	1,353	1,479	1,310	998	1,008	922	868	766	717	713	744	696	721	625	493	449	337	339	347	332	298	254	181	108	75	65	60	56	54	46	589	2,394	-2,858	-1,739	63	839	969	604	588	-167	1,192	482	688	573	573	413	306	0	0	0	-	-	-	0
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Ebit	337,499	383,453	270,953	117,003	223,036	196,889	126,157	103,220	97,636	97,844	96,581	93,245	96,054	99,800	98,398	109,689	116,315	97,030	99,714	96,531	94,491	92,248	85,818	82,302	106,071	80,075	77,831	75,896	89,820	73,601	67,434	68,391	76,190	61,310	55,700	54,193	48,034	43,941	40,108	36,849	34,428	30,466	28,308	27,476	25,998	25,085	23,668	22,850	22,014	20,798	20,420	18,236	17,273	16,671	16,412	15,887	20,927	18,525	15,491	15,357	14,451	15,388	8,271	16,262	13,224	12,630	11,915	11,023	9,956	9,576	8,786	8,029	7,223	6,827	6,127	5,398	5,019	975	0	0	0	0	0	0
Ebitda	344,720	389,941	276,831	122,917	227,929	202,668	132,958	109,242	106,897	107,230	104,655	99,456	104,574	108,317	107,239	116,671	120,847	101,746	103,582	101,654	99,256	95,815	88,834	85,157	108,095	82,022	79,579	77,674	91,372	75,012	68,787	69,870	77,500	62,308	56,708	55,115	48,902	44,707	40,825	37,562	35,172	31,162	29,029	28,101	26,491	25,534	24,005	23,189	22,361	21,130	20,718	18,490	17,454	16,779	16,487	15,952	20,987	18,581	15,545	15,403	15,040	17,782	5,413	14,523	13,287	13,469	12,884	11,627	10,544	9,409	9,978	8,511	7,911	7,400	6,700	5,811	5,325	3,928	0	0	-	-	-	0
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Extraordinary Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit	443,564	394,663	363,952	232,950	227,872	224,500	204,854	188,570	174,751	172,677	169,339	155,289	156,278	160,359	160,925	143,812	177,978	127,767	122,831	121,934	154,172	109,612	102,822	104,025	140,208	101,312	93,890	92,059	111,727	93,061	84,512	86,170	92,873	79,391	68,917	65,572	59,031	54,808	50,124	45,219	40,875	38,370	35,086	35,871	33,036	31,185	29,246	26,828	25,402	22,787	23,344	18,919	17,400	16,502	15,224	19,406	18,284	19,796	12,925	13,680	8,775	8,783	-112	6,542	5,684	3,763	3,410	3,248	3,096	2,881	2,803	2,715	2,892	2,813	2,877	2,677	2,527	2,335	0	7,465	0	0	0	6,152
Income Before Tax	155,541	217,396	118,156	117,003	114,684	117,211	82,846	81,717	86,993	86,336	84,913	75,345	76,049	78,513	75,836	67,930	79,868	58,162	56,672	55,325	54,452	53,729	49,300	50,452	77,874	56,503	54,870	55,880	71,417	55,661	49,734	51,285	61,465	48,546	43,599	41,920	35,788	32,971	30,178	27,203	24,928	22,066	20,072	19,018	17,565	16,454	15,164	14,436	13,001	11,268	10,832	9,317	8,648	8,210	7,995	7,634	12,329	9,635	6,279	6,107	4,385	4,650	-3,094	2,956	1,711	1,089	1,255	1,512	1,493	1,348	1,250	1,395	1,393	1,257	1,403	1,372	1,438	975	1,103	1,274	1,042	729	601	2,994
Income Tax Expense	44,821	65,625	35,511	29,647	34,834	35,659	24,439	23,821	25,170	25,549	24,703	21,090	22,404	23,728	22,814	22,630	23,811	16,867	15,886	14,691	15,631	14,894	12,459	13,335	26,621	24,845	22,487	23,332	30,423	23,361	20,837	21,558	25,551	20,397	18,098	17,525	14,714	13,599	12,337	11,193	10,318	8,912	7,890	7,886	7,163	6,686	6,175	5,871	5,283	4,608	4,299	3,774	3,373	3,283	3,163	2,937	5,154	4,087	2,571	2,503	1,791	1,889	-1,277	1,176	693	438	508	608	631	541	504	553	565	507	557	537	579	388	442	498	393	333	247	1,264
Interest Expense	181,958	166,057	152,797	142,676	108,352	79,678	43,311	18,751	10,643	11,508	11,668	15,267	20,005	21,287	22,562	26,871	36,447	38,868	43,042	41,206	40,039	38,519	36,518	31,850	28,197	23,572	22,961	20,016	18,403	17,940	17,700	17,106	14,725	12,764	12,101	12,273	12,246	10,970	9,930	9,646	9,500	8,400	8,236	8,458	8,433	8,631	8,504	8,414	9,013	9,530	9,588	8,919	8,625	8,461	8,417	8,253	8,598	8,890	9,212	9,250	10,066	10,738	11,365	11,567	11,513	11,541	10,660	9,511	8,463	8,228	7,536	6,634	5,830	5,570	4,724	4,026	3,581	2,953	0	9,242	0	0	0	8,426
Interest Income	443,564	394,663	363,952	346,430	307,334	279,588	223,786	184,161	160,181	157,076	158,310	156,921	155,674	155,379	149,889	144,143	185,063	147,288	146,345	141,643	169,208	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income	110,720	151,771	82,645	87,356	79,850	81,552	58,407	57,896	61,823	60,787	60,210	54,255	53,645	54,785	53,022	45,300	56,057	41,295	40,786	40,634	38,821	38,835	36,841	37,117	51,253	31,658	32,383	32,548	40,994	32,300	28,897	29,727	35,914	28,149	25,501	24,395	21,074	19,372	17,841	16,010	14,610	13,154	12,182	11,132	10,402	9,768	8,989	8,565	7,718	6,660	6,533	5,543	5,275	4,927	4,832	4,697	7,175	5,548	3,708	3,604	2,594	2,761	-1,817	1,780	1,018	651	747	904	862	807	746	842	828	750	846	835	859	587	661	776	649	396	354	1,730
Net Income Applicable To Common Shares	0	0	82,645	87,356	79,850	81,552	58,407	57,896	61,823	60,787	60,210	54,255	53,645	54,672	52,945	45,223	55,980	41,217	40,709	40,557	38,744	38,757	36,764	37,040	51,176	31,580	32,306	32,472	40,917	32,222	28,820	29,650	35,837	28,071	25,424	24,318	20,997	19,294	17,764	15,933	14,533	13,077	12,104	11,055	10,053	9,436	8,912	8,187	7,331	6,280	6,407	5,466	5,199	4,850	4,755	4,605	7,002	5,375	3,535	3,432	2,421	2,588	0	1,700	940	574	670	827	784	728	668	763	750	648	745	734	758	412	560	707	597	377	354	1,730
Net Income From Continuing Ops	110,720	151,771	82,645	87,356	79,850	81,552	58,407	57,896	61,823	60,787	60,210	54,255	53,645	54,785	53,022	45,300	56,057	41,295	40,786	40,634	38,821	38,835	36,841	37,117	51,253	31,658	32,383	32,549	40,994	32,300	28,897	119,291	35,914	28,149	25,501	24,395	21,074	19,372	17,841	16,010	14,610	13,154	12,182	0	10,402	9,768	0	0	0	0	6,533	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Interest Income	261,606	228,606	211,155	203,754	198,982	199,910	180,475	165,410	149,538	145,568	146,642	141,654	135,669	134,092	127,327	117,272	148,616	108,420	103,303	100,437	129,169	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Non Operating Income Net Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Non Recurring	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income	155,541	383,453	270,953	117,003	223,036	196,889	126,157	103,220	97,636	97,844	96,581	93,245	96,054	99,800	98,398	109,689	116,315	97,030	99,714	96,531	94,491	92,248	85,818	82,302	106,071	80,075	77,831	75,896	89,820	73,601	67,434	68,391	76,190	61,310	55,700	54,193	48,034	43,941	40,108	36,849	34,428	30,466	28,308	27,476	25,998	25,085	23,668	22,850	22,014	20,798	20,420	18,236	17,273	16,671	16,412	15,887	20,927	18,525	15,491	15,357	14,451	15,388	8,271	14,523	13,224	12,630	11,915	11,023	9,956	9,576	8,786	8,029	7,223	6,827	6,127	5,398	5,019	3,928	1,542	1,706	1,330	1,078	1,129	4,265
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Operating Expenses	321,186	18,282	20,615	115,947	18,684	17,773	30,270	85,350	77,115	11,618	11,877	62,044	11,033	8,750	8,850	34,123	12,430	10,524	9,089	25,403	26,092	7,633	8,178	21,723	9,206	7,324	5,809	1	5,583	5,334	4,919	17,779	4,449	4,372	3,442	11,379	3,103	3,216	3,160	8,370	1,806	3,125	1,981	8,395	3,040	3,012	2,244	8,626	1,844	1,813	1,222	6,800	1,062	814	823	3,519	746	589	832	1,677	1,143	854	527	7,981	963	623	762	7,775	443	418	462	5,314	374	421	388	2,721	299	1,593	0	0	0	0	0	0
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Reconciled Depreciation	7,222	6,487	5,878	5,914	4,893	5,779	6,801	8,774	9,261	9,386	8,074	8,844	8,520	8,517	8,841	21,870	4,532	4,716	3,868	5,123	4,765	3,567	3,016	2,855	2,024	1,947	1,748	1,778	1,552	1,411	1,353	1,479	1,310	998	1,008	922	868	766	717	713	744	696	721	625	493	449	337	339	347	332	298	254	181	108	75	65	60	56	54	46	589	2,394	-2,858	0	63	839	969	604	588	-167	1,192	482	688	573	573	413	306	0	0	0	-	-	-	0
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling And Marketing Expenses	10,282	9,794	10,375	8,095	11,786	10,899	6,370	3,449	3,357	3,402	3,372	3,612	4,261	3,783	2,556	2,803	3,887	4,043	3,790	3,445	3,635	3,205	4,425	4,408	4,315	3,811	2,966	2,697	2,148	1,981	2,541	2,236	1,406	1,597	1,628	1,843	1,462	1,449	1,306	1,251	670	1,214	589	1,154	1,020	1,116	794	851	788	606	458	433	261	174	157	150	118	92	84	106	202	159	93	45	230	174	301	202	122	0	0	338	0	0	49	49	75	65	0	0	-	-	-	0
Selling General Administrative	79,696	8,488	10,240	69,076	79,611	60,163	88,653	80,253	65,752	62,869	63,600	59,807	58,595	55,440	55,537	53,254	53,376	48,788	50,018	49,218	65,450	40,015	42,076	39,173	36,220	32,734	30,132	28,480	29,266	27,111	26,197	25,927	24,485	22,622	19,080	16,658	15,509	15,042	13,843	12,100	10,991	11,739	10,906	11,836	10,765	9,998	8,878	7,495	6,992	7,125	6,177	5,881	5,409	4,950	4,155	3,530	3,118	2,908	2,751	3,511	2,556	1,311	1,263	1,388	1,659	1,358	1,021	1,121	669	750	719	549	646	648	738	536	541	686	673	498	566	536	525	1,743
Tax Provision	44,821	65,625	35,511	29,647	34,834	35,659	24,439	23,821	25,170	25,549	24,703	21,090	22,404	23,728	22,814	22,630	23,811	16,867	15,886	14,691	15,631	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-	0
Total Operating Expenses	54,334	18,282	20,615	-115,947	18,684	17,773	30,270	-85,350	-77,115	11,618	11,877	-62,044	11,033	8,750	8,850	-34,123	12,430	10,524	9,089	-25,403	26,092	7,633	8,178	-21,723	9,206	7,324	5,809	-16,163	5,583	5,334	4,919	-17,779	4,449	4,372	3,442	-11,379	3,103	3,216	3,160	-8,370	1,806	3,125	1,981	-8,395	3,040	3,012	2,244	8,626	1,844	1,813	1,222	6,800	1,062	814	823	-3,519	746	589	832	1,677	1,143	854	527	7,981	963	623	762	7,775	443	418	462	5,314	374	421	388	2,721	299	1,593	0	0	0	0	0	0
Total Other Income Expense Net	155,541	-166,057	-152,797	663,085	-108,352	-79,678	-43,311	-21,503	-10,643	-11,508	-11,668	-17,900	-20,005	-21,287	-22,562	-41,759	-36,447	-38,868	-43,042	-41,206	-40,039	-38,519	-36,518	-31,850	-28,197	-23,572	-22,961	-20,016	-18,403	-17,940	-17,700	-17,106	-14,725	-12,764	-12,101	-12,273	-12,246	-10,970	-9,930	-9,646	-9,500	-8,400	-8,236	-8,458	-8,433	-8,631	-8,504	-8,414	-9,013	-9,530	-9,588	-8,919	-8,625	-8,461	-8,417	-8,253	-8,598	-8,890	-9,212	-9,250	-10,066	-10,738	-11,365	-11,567	-11,513	-11,541	-10,660	-9,511	-8,463	-8,228	-7,536	-6,634	-5,830	-5,570	-4,724	-4,026	-3,581	-2,953	0	0	0	0	0	0
Total Revenue	476,727	394,663	363,952	232,950	227,872	224,500	204,854	188,570	174,751	172,677	169,339	155,289	156,278	160,359	160,925	143,812	177,978	127,767	122,831	121,934	154,172	109,612	102,822	104,025	140,208	101,312	93,890	92,060	111,727	93,061	84,512	86,170	92,873	79,391	68,917	65,572	59,031	54,808	50,124	45,219	40,875	38,370	35,086	35,871	33,036	31,185	29,246	26,828	25,402	22,787	23,344	18,919	17,400	16,502	15,224	19,406	18,284	19,796	12,925	13,680	8,775	8,783	-112	6,542	5,684	3,763	3,410	3,248	3,096	2,881	2,803	2,715	2,892	2,813	2,877	2,677	2,527	2,335	0	16,962	0	0	0	14,863

Latest Income Statement (annual, 2023-06-30)

Gross Profit (+$)
totalRevenue	890,176
Cost of Revenue	-0
Gross Profit	890,176	890,176

Operating Income (+$)
Gross Profit	890,176
Operating Expense	--458,432
Operating Income	431,744	1,348,608

Operating Expense (+$)
Research Development	0
Selling General Administrative	267,673
Selling And Marketing Expenses	37,150
Operating Expense	-458,432	304,823

Net Interest Income (+$)
Interest Income	1,157,138
Interest Expense	-374,017
Other Finance Cost	-0
Net Interest Income	783,121

Pretax Income (+$)
Operating Income	431,744
Net Interest Income	783,121
Other Non-Operating Income Expenses	0
Income Before Tax (EBT)	431,744	0 EBIT - interestExpense = 57,727 431,744 681,182
Interest Expense	374,017
Earnings Before Interest and Taxes (EBIT)	431,744	805,761
Earnings Before Interest and Taxes (EBITDA)	455,131

After tax Income (+$)
Income Before Tax	431,744
Tax Provision	-124,579
Net Income From Continuing Ops	307,165	307,165
Net Income	307,165
Net Income Applicable To Common Shares	307,165

Non-recurring Events
Discontinued Operations	0
Extraordinary Items	0
Effect of Accounting Charges	0
Other Items	0
Non Recurring	0
Other Operating Expenses	458,432
Total Other Income/Expenses Net	431,744	-783,121

Technical Analysis of Axos Financial Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Axos Financial Inc. The general trend of Axos Financial Inc is BULLISH with 85.7% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Axos Financial Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitions	Bullish trend (85.7%)		Bearish trend (-85.7%)
Overbought to neutral	Bullish pullback	=	Bearish reversal
Upper to lower neutral	Bullish correction	=	Bearish continuation
Nuetral to oversold	Oversold	=	Oversold
Oversold to neutral	Bullish reversal	=	Bearish correction
Lower to upper neutral	Bullish continuation	=	Bearish pullback
Nuetral to overbought	Overbought	=	Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.

Score

Let's take a look at the Support & Resistance of Axos Financial Inc.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: .

The bearish price targets are: 60.00 > 55.64 > 54.64.

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Axos Financial Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

Moving averages are lagging trend indicators.
There are many types of moving averages.
Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Axos Financial Inc. The current mas is .

The long score for the Moving Averages is 13/14.
The longshort score for the Moving Averages is 12/(-14 +14).

MA 20 trending up: The MA 20 is trending up. +1
Close > MA 20: The price is above the MA 20. +1
MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
MA 50 trending up: The MA 50 is trending up. +1
Close > MA 50: The price is above the MA 50. +1
MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
MA 100 trending up: The MA 100 is trending up. +1
Close > MA 100: The price is above the MA 100. +1
MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
MA 200 trending up: The MA 200 is trending up. +1
Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving Average	Amount of candles	vs. MA 50	vs. MA 100	vs. MA 200
MA 20	20
MA 50	50	-
MA 100	100	-	-
MA 200	200	-	-	-

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Shows the moving average of the selected period.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

There are various kinds of moving averages:

Simple moving average (SMA);
Exponential moving average (EMA);
Smoothed moving average (SMMA);
Linear weighted moving average (LWMA).

The moving average looks at a certain period of time and it calculates the price average. The various types of averages are using various formulas. Don’t worry, you don’t have to memorize any formula. All moving averages are calculated automatically by basically every charting software you use. But it’s good to know how moving averages are actually calculated.

Simple moving average

SMA is calculated by summing up the price closures of the selected period. The price is then divided by the selected period. For example, when using the 21 day moving average you sum up all the closing prices for each day and divide that by 21. The result is a line on the chart representing the average. Because it’s an average in the selected timeframe, the trend is always lagging. An moving average looks like this on the chart:

Source: Tradingview.com

In this case, the blue line represents a 21 day moving average. Because the average is based on results from the past, the indicator will always lag behind. For example, when price would suddenly go up, the moving average won't immediately follow.

All other moving averages discussed below look the same on the chart. The only difference is that the line will move in different directions based on the maths behind the used indicators and the amount of days used to determine the average.

Exponential moving average

The EMA gives more weight to the latest closing prices by giving them more value in the equation. EMA is calculated by adding a certain percentage to the latest closing prices:

EMA = (CLOSE (i) * P) + (EMA (i - 1) * (1 - P))

Where:

CLOSE (i) = current period close price.
EMA (i - 1) = value of the Moving Average of a preceding period.
P = the percentage of using the price value.

Smoothed moving average

A smoothed moving average is an exponential moving average with a long lookback period. Older prices are reduced in weight but are never left out in the calculation. Unlike SMA and EMA where prices are removed when they are beyond the selected period. SMMA is a combination of the SMA and EMA. The main advantage is that it smooths out fluctuations in price.

Linear weighted moving average

The LWMA gives the latest price the highest weight and then lineary scales down with each price before that. The result is that the LWMA reacts quicker to changes in price than the SMA or EMA. The formula:

LWMA = ((Pn∗W1)+(Pn−1∗W2)+(Pn−2∗W3)...) / ∑W

Where:

P = Price for the period.
n = The most recent period, n-1 is the prior period, and n-2 is two periods prior.
W = The assigned weight to each period, with the highest weight going first and then descending linearly based on the number of periods being used.

Moving averages are widely used by many traders. Which moving average you need depends on your trading strategy. Common practise is using a combination of multiple periods. For example, the EMA21, EMA50, EMA100 and EMA200. How does that look on a chart:

Source: Tradingview.com

The lowest (purple) line on the chart represents the EMA200 then following up the EMA100, EMA50 and EMA21.

You can use moving averages to determine a trend. The 200 moving average is mostly used as a baseline for determining the current trend:

When the 200 moving average is moving up it is considered a bullish trend.
When the 200 moving average is down it is considered a bearish trend.
When moving averages are flatlined, there is no clear trend so you should look for market structure, consolidation or trend reversals. Depending on how you want to trade.

This is not set in stone. Most trading strategies use multiple moving averages each with different settings. While one strategy might use the EMA20, the other uses the SMA21. There can be hundreds of different variations. Moving averages can also be used as support and resistance. More often than not, prices will bounce on moving averages.

Axos Financial Inc Daily Moving Averages Chart

2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

MACD is a lagging momentum indicator.
Uses two moving averages.
Can show buy or sell signals based on momentum.
Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Axos Financial Inc. The current macd is 2.51901692.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Axos Financial Inc price going up in the near term. +2
MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Axos Financial Inc. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Axos Financial Inc price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1

Axos Financial Inc Daily Moving Average Convergence/Divergence (MACD) Chart

2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.

Score

Let's take a look at the Directional Movement Index (DMI) of Axos Financial Inc. The current adx is 30.91.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Axos Financial Inc shares, leading to potential upward momentum in its price. +1
PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.

Axos Financial Inc Daily Directional Movement Index (DMI) Chart

2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

Parabolic SAR (stop and reverse) is a lagging trend indicator.
Shows the current trend.
Shows potential entry signals.
Shows potential exit signals.
Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Axos Financial Inc. The current sar is 57.80.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1

Axos Financial Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

Leading momentum indicator, meaning the signals are instant.
Ranges between 0 and 100.
Above 70 is considered overbought.
Below 30 is considered oversold.
Above or below 50 can also be used to determine price trend or support and resistance.
RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Axos Financial Inc. The current rsi is 74.07. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 0/(-13 +13).

Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1
Trending up: The RSI is trending up. +1

Measures the speed and change of price movements.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

The RSI measures the magnitude of recent price changes to determine if the asset is overbought or oversold.

Overbought (RSI above 70) means that the trading price is above its intrinsic value. This might indicate a sell or short signal.
Oversold (RSI below 30) means that the trading price is below its intrinsic value. This might indicate a buy or long signal.
RSI levels above or below 50 can also be used to determine a trend.
RSI divergence looks at a deviation between RSI and price movement.
Can be used in many different ways.

Original usage

Keep in mind that almost every indicator can be used in different ways. Even beyond the orginal settings. The relative strength index was developed by J. Welles Wilder. Wilder recommended a smoothing period of 14 days. That means a 14 day moving average (read more about this setting below). Another quote from the wikipedia page:

Wilders also considers the RSI 50 line as both support and resistance. I recommend to always read the original settings first before using an indicator. Many traders and websites are using their own version of the indicator which might be confusing.

How you can use RSI (Divergence)

First and foremost, there is no real right or wrong usage of the RSI indicator. You can use it in any way you want. Wilder recommends using a 14 day average but you can make it 50 or 100 if you like. Just keep in mind that using an indicator is just part of a larger trading plan. In other words, it’s not recommended to do any trading or investing based on a single indicator like the RSI.

The RSI is measured on a scale between 0 and 100. From 30 till 0 is considered oversold. and from 70 -100 is overbought. The RSI is a leading indicator, meaning the signals are instant.

I like to use the RSI as a trend\momentum indicator and not as an overbought or oversold indicator. I use the middle (50) as the baseline. When prices go above RSI 50 the trend is bullish and can indicate long positions. When below 50 it is considered bearish and can indicate short positions. Other traders use the 70 and 30 levels as overbought/oversold depending on the used strategy. The RSI indicator looks like this:

Source: Tradingview.com

The general concensus is that an RSI above 70 indicates that the security is overbought. In other words, the price this security is trading for is to high and should come down. So if RSI hits 70 or above this might indicate a sell signal or taking a short position (expecting the price will go down). Although RSI above 70 indicates the security is trading above it's fair value, that does not mean the price will go down.

Use tradingview to add indicators

I highly recommend using tradingview to add indicators to a chart. It has all the indicators you can think off and can add them for free (up to three indicators) to any chart you want. You can see that the levels 30 and 70 are marked with a dotted line. If you want you can remove these lines or give it another colour using Tradingview. You can also adjust the moving average used. You can also find RSI indicators made by the community that include other settings like RSI divergences.

Tradingview

Use Tradingview to (back)test your strategies and add hundreds of indicators created by the community.

View tool on Tradingview.com

RSI divergence

RSI is not only used to determine momentum but can also spot reversals or continuations of the trend. A reversal means that the trend is going in the opposite direction. From bullish to bearish or from bearish to bullish. These reversals can be spotted by looking at the price and the direction of the RSI. When the price is going up but the RSI is going down that means there is a divergence. This is also the case when RSI goes up but price is going down.

There are four types of divergences:

Regular bullish divergence
Regular bearish divergence
Hidden bullish divergence
Hidden bearish divergence

Regular bullish divergence

With a regular bullish divergence, the price is making lower highs but the oscillator (in this case the RSI) is making higher lows. A regular bullish divergence might indicate the end of the current trend. You’ll see regular bullish divergences mostly at the end of a downtrend. But that does not mean that every regular bullish divergence is a trend reversal.

Price is making lower highs
RSI is making higher lows
Indicating bullish reversal (price might go up)

Source: Tradingview.com

Regular bearish divergence

With a regular bearish divergence the price is making higher highs but the oscillator (in this case the RSI) is making lower highs. This might indicate the end of an uptrend.

Price is making higher highs
RSI is making lower highs
Indicating bearish reversal

Source: Tradingview.com

Hidden bullish divergence

With a hidden bullish divergence, the price is making a higher low while the RSI is making a lower low. This might indicate bullish trend continuation.

Price is making higher lows
RSI is making lower lows
Indicating bullish continuation

Source: Tradingview.com

As you have noticed, you can have multiple divergences in a row.

Hidden bearish divergence

With a hidden bearish divergence, price is making lower highs but RSI is making higher highs. This might indicate bearish trend continuation.

Price is making lower highs
RSI making higher highs
Indicating bearish continuation

Source: Tradingview.com

You can find many cheatsheets of RSI divergences online. Search for "RSI divergence overview" and you'll find a lot of examples. You can print these to learn the various types of divergences.

Axos Financial Inc Daily Relative Strength Index (RSI) Chart

3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

Leading momentum indicator, meaning the signals are instant.
Used to determine overbought and oversold areas much like the RSI.
Ranges between 0 and 100.
Above 80 is considered overbought.
Below 20 is considered oversold.
Consists of two lines named K and D.
K compares the highest high and lowest low on the selected price range.
The D line is a moving average of the K line.
Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Axos Financial Inc. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
STOCH > 80: The STOCH %K is above 80 and overbought. +2
STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Axos Financial Inc price going up in the near term. +2
Trending up: The STOCH %K is trending up. +1

Axos Financial Inc Daily Stochastic Oscillator Chart

3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

Lagging or leading Momentum indicator
When the CCI is above zero, the price is above the historical average
When the CCI is below zero, the price is below the historical average
Used for spotting trends
- If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
- If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Axos Financial Inc. The current cci is 107.54.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1

Axos Financial Inc Daily Commodity Channel Index (CCI) Chart

3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

Lagging momentum indicator
Ranges between +100 and -100
Considered overbought above +50
Considered oversold below -50
It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Axos Financial Inc. The current cmo is 57.11.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1

Axos Financial Inc Daily Chande Momentum Oscillator (CMO) Chart

3.5 Williams %R

Shows the current price relative to the highest high over the last 14 days.

Lagging momentum indicator
Ranging between 0 and -100
Above -20 is considered overbought
Below -80 is considered oversold
Is prone to give false signals

Score

Let's take a look at the Williams %R of Axos Financial Inc. The current willr is -3.22580645.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1

Axos Financial Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

Lagging volatility indicator
Uses 3 bands: one upper, one lower and one in the middle
Works best when the middle band reflects an intermediate trend (MA20).
When the price is moving closer to the upper band, the market might be overbought
When the price is moving closer to the lower band, the market might be oversold

Score

Let's take a look at the Bollinger Bands of Axos Financial Inc.

Axos Financial Inc Daily Bollinger Bands Chart

4.2 Average True Range (ATR)

Measures market volatility

Leading volatility indicator
Can be used to determine stop-loss positions
Calculated by:
- Current high minus the current low
- Current high minus the previous close
- Current low minus the previous close
The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Axos Financial Inc. The current atr is 1.75390145.

Axos Financial Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

Measures market volatility

Leading momentum indicator
Calculation:
- If the closing price is above the previous closing price: OBV = previous OBV + current volume
- If the closing price is below the previous closing price: OBV = previous OBV - current volume
- If the closing price is the same as the previous closing price than the OBV is the same.
Can be used to confirm price trends
Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Axos Financial Inc. The current obv is -15,568,452.

Axos Financial Inc Daily On-Balance Volume (OBV) Chart

5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

Lagging momentum indicator
Looks like RSI but uses volume as an extra metric (RSI only considers price)
Above 80 is considered overbought
Below 20 is considered oversold
Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Axos Financial Inc. The current mfi is 79.21.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

MFI > 50: +1

Axos Financial Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

Type	Notification	Date
Currently no notifications for Axos Financial Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

Date	Indicator	Signal
2023-12-20	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-22	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-12-27	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
2023-12-28	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-29	RSI	SHORT ENTRY	LONG CLOSE	70 crossover to downside
2024-01-02	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
2024-01-03	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-01-04	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-01-08	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-01-11	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-16	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-01-17	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-01-18	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-01-19	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-01-22	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-01-23	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-24	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-01-26	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-01-29	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
2024-01-30	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-31	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
2024-02-01	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-02-05	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-02-06	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-02-07	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-02-12	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-02-13	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-02-14	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-02-16	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-02-20	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-02-21	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-02-27	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-02-28	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-03-01	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-03-04	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
2024-03-05	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-08	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
2024-03-11	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-03-14	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-03-19	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-20	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-03-22	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-03-27	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
2024-03-28	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-04-01	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-04-02	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-04-04	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
2024-04-05	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
2024-04-08	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-04-09	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-04-10	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-12	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-04-15	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-04-18	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-04-19	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-04-22	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-04-24	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-04-26	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
2024-04-30	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-05-01	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-05-02	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2024-05-06	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-05-07	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-05-08	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-05-10	STOCH	LONG EXIT		The %K line crosses below the %D line.
	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2024-05-13	STOCH	SHORT EXIT		The %K line crosses above the %D line.

6.3. Candlestick Patterns

Axos Financial Inc Daily Candlestick Chart

Date	Candlestick Pattern

6.4. Technical Score

Let's check the technical score of Axos Financial Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	74.067
Ma 20	Greater than	Ma 50	54.630
Ma 50	Greater than	Ma 100	52.537
Ma 100	Greater than	Ma 200	53.020
Open	Greater than	Close	60.700
Total			3/5 (60.0%)

Create your own Symbol Scanner

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Quick analysis of Axos Financial Inc (30 sec.)

What can you expect buying and holding a share of Axos Financial Inc? (30 sec.)

How much money do you get?

What is your share worth?

+ What do you gain per year?

For what price can you sell your share?

1. Valuation of Axos Financial Inc (5 min.)

$61.05

$37.84

$41.34 - $109.36

$79.18 - $147.20

2. Growth of Axos Financial Inc (5 min.)

Is Axos Financial Inc growing?

How much money is Axos Financial Inc making?

How much money comes from the company's main activities?

3. Financial Health of Axos Financial Inc (5 min.)

4. Comparing to competitors in the Banks - Regional industry (5 min.)

Industry Rankings (Banks - Regional)

What can you expect buying and holding a share of Axos Financial Inc? (5 min.)

What can you expect buying and holding a share of Axos Financial Inc?

Speculation

Investing

How much money are you going to get?

When do you get the money?

How sure are you?

Linear %

Fundamentals of Axos Financial Inc

About Axos Financial Inc

Financial Health

Valuation

1.1. Profitability of Axos Financial Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Trends

Compared to industry (Banks - Regional)

1.1.2. Return on Assets

Trends

Compared to industry (Banks - Regional)

1.1.3. Return on Equity

Trends

Compared to industry (Banks - Regional)

1.2. Operating Efficiency of Axos Financial Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Trends

1.2.2. Operating Ratio

Trends

1.3. Liquidity of Axos Financial Inc.

1.3. Liquidity

1.3.1. Current Ratio

Trends

Compared to industry (Banks - Regional)

1.3.2. Quick Ratio

Trends

1.4. Solvency of Axos Financial Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Trends

Compared to industry (Banks - Regional)

1.4.2. Debt to Equity Ratio

Trends

Compared to industry (Banks - Regional)

2. Market Valuation of Axos Financial Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Trends

Compared to industry (Banks - Regional)

Axos Financial Inc
Buy, Hold or Sell?