Axos Financial, Inc.

Axos Financial, Inc.

AXยทNYSE

$84.62

-0.56%
Financial ServicesBanks - Regional

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through Banking Business and Securities Business segments. 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 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 term 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 messaging 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.

At a Glance

Live Snapshot
Market Cap$4.81B
EPS7.6100
P/E Ratio11.12
Earnings Date07/29/2026
3Y+155.0%
5Y+169.0%
10Y+402.0%
3Y+80.0%
5Y+136.0%
10Y+263.0%
3Y+126.0%
5Y+73.0%
10Y+194.0%
Axos Financial, Inc.

Axos Financial, Inc. Profit Bridge

AX ยท NYSE
Revenue1.93B
Cost of Goods Sold (743.44M)
Gross Profit1.19B
Operating Expenses (572.63M)
Operating Income613.39M
Interest Expense (687.69M)
Other Income/Expense0.00
Pretax Income613.39M
Income Tax (180.49M)
Net Income432.91M
Net Income
432.91M

Profitability Analysis

Gross Margin

61.5%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

31.8%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

22.4%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

29.4%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Axos Financial, Inc. Income Statement

AX โ€ข NYSE

Axos Financial, Inc. Income StatementJun 2025Jun 2024Jun 2023Jun 2022Jun 2021Jun 2020Jun 2019Jun 2018Jun 2017Jun 2016Jun 2015Jun 2014Jun 2013Jun 2012Jun 2011Jun 2010Jun 2009Jun 2008Jun 2007Jun 2006
REVENUE
1.9B
1.8B
1.3B
757.9M
712M
717.6M
644.8M
546M
455.4M
384M
275M
195.3M
163.4M
132.1M
100.9M
93.9M
72.5M
65.7M
45.8M
34.1M
GROSS PROFIT
(743.4M)
(726.7M)
(398.3M)
(76.3M)
(102.9M)
(187.4M)
(183.6M)
(132.4M)
(85.1M)
(66.4M)
(56.6M)
(41.1M)
(41.6M)
(44.6M)
(40.2M)
(40.7M)
(46.1M)
(47.5M)
(33.7M)
(22.8M)
1.2B
1B
865.9M
681.6M
609.1M
530.2M
461.2M
413.6M
370.3M
317.7M
218.3M
154.2M
121.8M
87.5M
60.7M
53.2M
26.4M
18.2M
12.1M
11.2M
OPERATING INCOME
(572.6M)
(405.5M)
(434.2M)
(341.6M)
(303.4M)
(267.6M)
(248.4M)
(173.9M)
(137.6M)
(112.8M)
(77.5M)
(59.9M)
(53.6M)
(38M)
(26.5M)
(17.3M)
(14.3M)
(11.2M)
(6.5M)
(5.8M)
(407.9M)
(348.2M)
(305.3M)
(230.6M)
(202.9M)
(189.3M)
(187.3M)
(136.6M)
(107.1M)
(88.6M)
(60.5M)
(44.1M)
(42.8M)
(28.7M)
(20.4M)
(11.6M)
(10.2M)
(9M)
(3.6M)
(2.7M)
613.4M
635.5M
431.7M
340M
305.7M
262.6M
212.8M
239.7M
232.7M
204.9M
140.9M
94.3M
68.2M
49.5M
34.2M
35.9M
12M
7M
5.6M
5.4M
PRE-TAX INCOME
(687.7M)
(694.2M)
(374M)
(52.6M)
(79.1M)
(145.2M)
(156.3M)
(106.6M)
(74.1M)
(56.7M)
(45.4M)
(35.8M)
(34M)
(36.5M)
(34.4M)
(35M)
(41.4M)
(45.3M)
(33.7M)
(22.8M)
1.1B
961.4M
783.1M
607.2M
538.7M
477.6M
408.6M
368.5M
313.2M
261M
198.9M
137.1M
101.6M
79.2M
58.5M
50.6M
36.4M
18M
10.8M
10M
(164.7M)
(57.3M)
(128.9M)
(111M)
(100.5M)
(78.3M)
(61.1M)
(37.3M)
(30.5M)
(24.1M)
(17M)
(15.8M)
(10.8M)
(9.3M)
(6.1M)
(5.7M)
(4.2M)
(2.2M)
(2.9M)
(3.1M)
613.4M
635.5M
431.7M
340M
305.7M
262.6M
212.8M
239.7M
232.7M
204.9M
140.9M
94.3M
68.2M
49.5M
34.2M
35.9M
12M
7M
5.6M
5.4M
NET INCOME
(180.5M)
(185.5M)
(124.6M)
(99.2M)
(90M)
(79.2M)
(57.7M)
(87.3M)
(98M)
(85.6M)
(58.2M)
(38.3M)
(27.9M)
(20.1M)
(13.6M)
(14.7M)
(4.9M)
(2.8M)
(2.3M)
(2.2M)
432.9M
450M
307.2M
240.7M
215.7M
183.4M
155.1M
152.4M
134.7M
119.3M
82.7M
56M
40.3M
29.5M
20.6M
21.1M
7.1M
4.2M
3.3M
3.3M

SEC Filings

AX - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 04, 2026
May 04, 2026
2026
8-K

8-K 2026

N/A

May 04, 2026
May 02, 2026
2026
10-Q

10-Q 2026 Q1

Q1

April 30, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 30, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 22, 2026
2026
8-K

8-K 2026

N/A

March 23, 2026
March 19, 2026
2026
8-K

8-K 2026

N/A

February 12, 2026
February 12, 2026
2026
8-K

8-K 2026

N/A

February 02, 2026
February 02, 2026
2026
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
10-Q

10-Q 2025 Q4

Q4

January 29, 2026
December 31, 2025
2025
Showing 1 to 10 of 467 filings