Axos Financial/$AX

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About Axos Financial

Axos Financial Inc is a technology-driven, diversified financial services company. Its client-centric, technology-enabled services model provides secure and scalable banking, clearing and custody, and investment advisory solutions to retail and business customers. The Bank provides consumer and commercial banking products and services through its digital online and mobile banking platforms, low-cost distribution channels and affinity partners. It offers deposit and lending products to customers nationwide including consumer and business checking, savings, etc. Its segments are Banking Business Segment and the Securities Business Segment. Majority of income comes from Banking Business Segment- It distribute its loan products through its retail, correspondent and wholesale channels.
Ticker
$AX
Sector
Finance
Primary listing
NYSE
Employees
2,191

Axos Financial Metrics

BasicAdvanced
$5.3B
10.93
$8.48
1.23
-

What the Analysts think about Axos Financial

Analyst ratings (Buy, Hold, Sell) for Axos Financial stock.
Analyst projections of the future price of Axos Financial stock.

Bulls say / Bears say

Axos delivered strong underlying operating growth in Q4 FY2026: net interest income increased 13.5%, non-interest income rose 49.9%, diluted EPS grew 12.5%, and adjusted EPS advanced 30.4% year over year. (SEC filing)
The balance sheet is expanding while asset quality remains favorable: loans reached $25.6 billion, deposits increased 17.9% to $24.6 billion, and non-performing assets declined to 0.53% of assets from 0.71% a year earlier. (SEC filing)
The completed Arc Technologies acquisition adds potential strategic upside by combining Axos’ banking infrastructure with Arc’s AI-enabled cash-management and capital-markets platform for small and growth businesses. (Reuters)
Net interest margin and funding economics remain pressured: Q3 FY2026 NIM fell to 4.57% from 4.78% a year earlier, while Q4 net-interest-income growth was partly offset by higher FHLB and secured-financing costs. (SEC filing)
Credit costs are rising alongside rapid loan growth: Q4 provision for credit losses increased to $17.9 million from $15.0 million, driven by loan growth and higher specific reserves; Q3 provision had risen to $41.0 million from $14.5 million year over year. (Axos Financial)
Reported earnings face quality and expense headwinds: Q4 non-interest expense rose 36.7% year over year, including a $21.0 million FINRA arbitration accrual, while Q3 benefited from a one-time $22.0 million favorable legal settlement. (Axos Financial)
Data summarised monthly by Lightyear AI. Last updated on 10 Sept 2026.

Axos Financial Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

Axos Financial Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

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