Axos Financial vs Victory Capital

On this page, Axos Financial and Victory Capital are compared to illuminate how their business models, financial performance, and market context differ and align. The analysis is presented in clear, accessible language to help readers understand the landscape without offering recommendations. Educational content, not financial advice.

On this page, Axos Financial and Victory Capital are compared to illuminate how their business models, financial performance, and market context differ and align. The analysis is presented in clear, a...

About The Companies

Axos Financial (AX)

Axos Financial Inc (AX) is a US-based digital bank offering online consumer and commercial banking, direct lending, mortgages and corporate finance solutions. The company leans on a low-branch, technology-led model to reduce overheads and scale lending and deposit products across retail and business customers. Key revenue drivers include net interest income from lending and deposits, fee income from deposit and payment services, and mortgage origination gains. With a market capitalisation of about $4.48 billion, Axos sits in the regional/digital banking niche where growth depends on loan growth, interest rate margins and credit quality. Investors should note banking earnings can be cyclical: profitability is sensitive to interest-rate movements, loan-loss provisions and regulatory changes. This summary is for educational purposes only and is not personalised financial advice. Values can fall as well as rise; suitability depends on your circumstances and you should consider seeking independent advice before investing.

Victory Capital (VCTR)

Victory Capital Holdings, Inc. (VCTR) is a US-based investment manager offering mutual funds, ETFs and institutional strategies across multiple asset classes. With market capitalisation around US$4.35 billion, the firm earns fees tied to assets under management (AUM) and client flows; revenue and margins can therefore be sensitive to market performance and investor sentiment. Victory has pursued growth through product development and acquisitions, broadening its distribution and capability set, but this can bring integration challenges and ongoing cost pressures. Key factors investors often watch include AUM trends, fee mix, distribution strength and expense control. As with all asset managers, returns can be volatile and subject to macroeconomic and market cycles. This summary provides general information for educational purposes only and is not personal financial advice. Investors should assess suitability for their own circumstances and remember that capital is at risk — values can fall as well as rise, and past performance is no guarantee of future results.

Comparison Snapshot

Key Financial Metrics

AX

Metric

VCTR

$4.84B

Market Cap

$4.13B

18.92%

Potential Profit

12.15%

Buy

Analyst Rating

Hold

Which Baskets Do They Appear In?

Unlocking Value: The Finance Arm Spinoff

Harley-Davidson is negotiating the sale of a stake in its financing arm, a strategic move to raise significant capital. This theme focuses on other manufacturers with large, valuable financing units that could be prime candidates for similar spin-offs or sales to unlock value.

Published: July 29, 2025

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Embedded-Finance Infrastructure

These innovative companies provide the essential API infrastructure that enables any business to seamlessly integrate financial services into their products. Carefully selected by our analysts, these stocks represent the invisible technology powering the next generation of banking, lending, and insurance experiences.

Published: June 17, 2025

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Which Baskets Do They Appear In?

Unlocking Value: The Finance Arm Spinoff

Harley-Davidson is negotiating the sale of a stake in its financing arm, a strategic move to raise significant capital. This theme focuses on other manufacturers with large, valuable financing units that could be prime candidates for similar spin-offs or sales to unlock value.

Published: July 29, 2025

Explore Basket

Embedded-Finance Infrastructure

These innovative companies provide the essential API infrastructure that enables any business to seamlessly integrate financial services into their products. Carefully selected by our analysts, these stocks represent the invisible technology powering the next generation of banking, lending, and insurance experiences.

Published: June 17, 2025

Explore Basket

Investment Analysis

Axos Financial

AX

Pros

Axos Financial's revenue increased by 13.59% in 2025, reaching $1.20 billion, showing significant top-line growth.
The company operates through digital banking channels, offering a diverse loan portfolio including residential and commercial mortgages, which supports product breadth and customer reach.
Axos Financial trades at a reasonable price-to-earnings ratio near 10.68 with a forward P/E of 9.84, indicating attractive valuation relative to earnings.

Considerations

Despite revenue growth, net income declined by 3.80% in 2025, signaling potential margin pressures or increased costs.
Axos Financial’s loan portfolio is heavily concentrated in the California market, which may increase regional economic and regulatory risk exposure.
The bank's beta of 1.30 suggests higher volatility compared to the market, potentially increasing investment risk during market downturns.

Victory Capital

VCTR

Pros

Victory Capital is an independent investment management firm with diversified investment strategies serving institutional and individual investors.
Its revenue model is predominantly asset-based fees, providing recurring income that grows with assets under management and market appreciation.
The company has a market capitalization around $4 billion, reflecting a substantial presence in the asset management and financial advisory industry.

Considerations

Recent specific financial data and stock price performance for Victory Capital are not readily available, limiting current fundamental transparency.
As an asset manager, Victory Capital’s revenues are cyclical and sensitive to market fluctuations, which can affect fee income during downturns.
The company operates through a single investment management segment, which could limit diversification against sector-specific risks.

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Comparison Snapshot

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Investment Analysis

Axos Financial

Pros

Considerations

Victory Capital

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

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Comparison Snapshot

Axos Financial vs Victory Capital

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Comparison Snapshot

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Pros

Considerations

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Pros

Considerations

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Zero Commission

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6% Interest on Cash

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Frequently asked questions

What does it mean when a stock has a higher price-to-earnings ratio (P/E) relative to another stock?

How can revenue growth year over year influence a stock’s attractiveness in a comparison?

Why is diversification of a company’s business model important when comparing stocks?

How does a business model relying on asset-based fees influence risk and stability for stock comparisons?

What should you consider about regional or market exposure when evaluating Axos Financial?

What does the concept of beta tell you in a stock comparison like this?

What does the market capitalisation tell you in this comparison?

How can the cyclicality of a company’s revenues affect the stock’s performance?

What is the importance of context when reading a stock comparison page like this?

Where should a reader look for the most up-to-date data when evaluating these stocks?

About The Companies

Comparison Snapshot