Axos Financial/$AX

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About Axos Financial

Axos Financial Inc is a bank holding company that operates through its bank subsidiary, BofI Federal Bank, a nationwide bank that provides financing for single and multifamily residential properties, small to medium-size businesses in certain sectors, and selected specialty finance receivables. Its operating segments are banking business segment and securities business segment. The bank distributed its products through a wide range of retail distribution channels, including only banking brands, affinity groups, and sales teams, among others. The majority of the bank's mortgage exposure is titled toward the state of California, particularly its southern region. Net interest income is a majority of the bank's revenue.

Ticker

$AX
Sector

Primary listing

NYSE

Employees

1,989

Axos Financial Metrics

BasicAdvanced
$4.6B
10.82
$7.43
1.33
-

What the Analysts think about Axos Financial

Analyst ratings (Buy, Hold, Sell) for Axos Financial stock.

Bulls say / Bears say

Achieved net loan growth of $856 million in Q4 FY2025, its strongest quarter of loan expansion this fiscal year, driven by diversification across consumer and commercial lending categories (Business Wire).
Maintained a robust net interest margin of 4.84% in Q4 FY2025, demonstrating effective asset-liability management despite rising funding costs (Nasdaq).
Non-performing assets to total assets improved to 0.79% in Q3 FY2025 from 1.06% in the prior quarter, highlighting strengthening credit quality (Business Wire).
Provision for credit losses more than doubled to $14.5 million in Q3 FY2025 from $6.0 million a year earlier, signaling increased credit risk in its commercial portfolios (Business Wire).
Net income declined 5.0% year-over-year to $105.2 million in Q3 FY2025, with diluted EPS falling 5.2% to $1.81, reflecting pressure on profitability (Business Wire).
Non-interest expense rose $10.1 million to $150.7 million in Q4 FY2025, up 7.2% year-over-year, which may weigh on operating efficiency as costs outpace revenue growth (Business Wire).
Data summarised monthly by Lightyear AI. Last updated on 7 Oct 2025.

Axos Financial Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Axos Financial Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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