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
$5B
11.88
$7.43
1.33
-

What the Analysts think about Axos Financial

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

Bulls say / Bears say

Net income increased 5.5% year-over-year to $110.7 million in Q4 FY2025, driven by improved loan yields and expense discipline (Axos Financial).
Net interest income rose 7.7% year-over-year to $280.2 million in Q4 FY2025, reflecting lower funding costs and continued loan growth (Axos Financial).
Non-interest income climbed 33.8% year-over-year to $41.3 million in Q4 FY2025, led by a $12 million gain on mortgage banking activities (Axos Financial).
Provision for credit losses more than doubled to $15.0 million in Q4 FY2025 from $6.0 million a year earlier, signaling rising credit costs amid loan portfolio expansion (Axos Financial).
Net interest margin narrowed from 4.83% in Q2 to 4.78% in Q3 FY2025, indicating pressure on core lending spreads as funding costs stabilize (Axos Financial).
Adjusted earnings per share declined 6.7% year-over-year to $1.81 in Q3 FY2025, highlighting earnings headwinds despite top-line growth (Axos Financial).
Data summarised monthly by Lightyear AI. Last updated on 5 Sept 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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