Axos Financial, Inc.

Axos Financial, Inc.

AXยทNYSE

$84.62

-2.0%
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+126.0%
5Y+73.0%
10Y+194.0%
3Y-34.0%
5Y+37.0%
10Y+20.0%
3Y-57.0%
5Y-38.0%
10Y-18.0%
AX

Axos Financial, Inc. Cash Conversion Engine

AX ยท NYSE
Net Income432.91M
Depreciation & Amortization29.02M
Stock-Based Compensation41.97M
Change in Working Capital79.38M
Others-64.99M
Capital Expenditures-54.21M
Free Cash Flow436.12M

Cash Flow Quality Analysis

FCF Conversion Rate

100.7%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

11.1%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+61.8%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$79.38M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Axos Financial, Inc. Cash Flow Statement

AX โ€ข NYSE

Axos Financial, Inc. Cash Flow StatementJun 2025Jun 2024Jun 2023Jun 2022Jun 2021Jun 2020Jun 2019Jun 2018Jun 2017Jun 2016Jun 2015Jun 2014Jun 2013Jun 2012Jun 2011Jun 2010Jun 2009Jun 2008Jun 2007Jun 2006
OPERATING ACTIVITIES
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
29M
27.1M
23.4M
24.6M
30.4M
35M
16.5M
8.6M
6.1M
4.8M
3.3M
2.9M
1.9M
1.3M
618K
235K
171K
132K
2.2M
2.3M
-28M
33.1M
-19.6M
-9.4M
-8.8M
-6.6M
-8.7M
17M
-2.2M
-6.6M
-8.8M
-2M
-4.6M
-2.3M
-226K
-4.4M
-1.5M
-1.7M
418K
22K
42M
35.2M
26.1M
21.2M
20.7M
21.9M
23.4M
20.4M
14.5M
11.3M
6.6M
4.4M
3.3M
2.5M
2.2M
866K
651K
776K
0.0
0.0
-65M
-117.5M
4.8M
42.5M
48.1M
-2.5M
13.9M
-11.6M
39.9M
43.8M
46.3M
-40.1M
-32.3M
-93.2M
-22.7M
-28.7M
-6M
989K
-591K
-58K
(153.7M)
(200.8M)
(131.4M)
(99.7M)
(92.5M)
(80.4M)
(64.1M)
(79.6M)
(102.5M)
(89.2M)
(68.5M)
(37.3M)
(35.8M)
(15.3M)
(13.7M)
(20.2M)
(6.7M)
(0.0)
(0.0)
(0.0)
79.4M
-122.4M
-145.1M
-103M
106.5M
52.8M
4.1M
-19M
5.4M
-5.7M
-14M
269K
7.2M
5.9M
3.7M
-4.1M
-10.7M
5M
-3.5M
-3M
490.3M
305.5M
196.7M
216.6M
412.6M
284.1M
204.4M
167.9M
198.5M
166.9M
116.1M
21.3M
15.8M
-56.3M
4.1M
-15M
-10.2M
9.4M
1.8M
2.5M
INVESTING ACTIVITIES
-54.2M
-36M
-30.2M
-21.5M
-10.4M
-12.3M
-20.1M
-11.8M
-8.8M
-10.2M
-5.1M
-3.2M
-3.9M
-2.6M
-3.2M
-420K
-216K
-281K
-108K
-87K
(0.0)
(0.0)
-5.5M
-54.6M
(0.0)
(0.0)
(67.3M)
-70M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-41.7M
-22M
-41.7M
-150.2M
-122.3M
-304.9M
-146.9M
-100.5M
-249.9M
-161.4M
-10.5M
-83M
-79.5M
-78.4M
-284M
-223.8M
-310.6M
-496.4M
-379.3M
-119.2M
100.3M
106.2M
58M
131.9M
74.7M
325.7M
109.6M
192.1M
468.5M
95M
90.1M
88.1M
90.9M
118.4M
340.2M
311.6M
203.5M
360.1M
134.6M
41.5M
-1.8B
-2.6B
-2.4B
-2.7B
-808.7M
-1.4B
-941.8M
-1B
-998.6M
-1.5B
-1.4B
-1.3B
-519M
-367.4M
-564.2M
-159.4M
8.3M
-134.2M
53.9M
-48.7M
-1.8B
-2.6B
-2.4B
-2.8B
-866.8M
-1.3B
-931.7M
-1B
-788.7M
-1.5B
-1.4B
-1.3B
-511.6M
-329.9M
-511.2M
-71.9M
-98.9M
-270.7M
-190.8M
-126.5M
FINANCING ACTIVITIES
-58.2M
-96.3M
-49M
-14.5M
-21.9M
-38.9M
-56.4M
-35.2M
-6.5M
21.3M
76M
42.1M
25.6M
33.6M
926K
16.9M
12K
3.8M
88.9M
-898K
-43.2M
-36.1M
-111.8M
-10.7M
97.7M
-149.3M
30.6M
-203M
-102M
25M
-157M
319.6M
168.4M
117M
122M
-240M
24M
171.6M
-9M
63.5M
(0.0)
(0.0)
(0.0)
(0.0)
-103K
-386K
-232K
-309K
-309K
-309K
-309K
-309K
-1.1M
-969K
-309K
-611K
-594K
-312K
-312K
-360K
-58.2M
-96.3M
-49M
-14.5M
-21.9M
-38.9M
-56.4M
-35.2M
-6.5M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-1M
(0.0)
-1.1M
-1.3M
1.4B
2.2B
3.2B
3.1B
-534.3M
2.3B
987.9M
1.1B
855.9M
1.6B
1.4B
889.4M
469.2M
263M
375.3M
320.4M
77.8M
22.8M
123.8M
63.2M
1.3B
2.1B
3B
3.1B
-458.6M
2.2B
961.8M
837.4M
747M
1.6B
1.3B
1.3B
662.1M
412.6M
497.9M
96.7M
101.2M
237.9M
203.4M
125.5M
CASH FLOW SUMMARY
-9.4M
-196.3M
807.4M
536.9M
-912.7M
1.1B
234.5M
-20.7M
156.8M
263.9M
67.3M
-46.1M
166.3M
26.4M
-9.2M
9.8M
-7.9M
-23.4M
14.4M
1.5M
2.2B
2.4B
1.6B
1B
2B
857.4M
622.9M
643.5M
486.7M
222.9M
155.6M
201.7M
35.4M
9.1M
18.2M
8.4M
16.3M
39.7M
25.3M
23.8M
2.2B
2.2B
2.4B
1.6B
1B
2B
857.4M
622.9M
643.5M
486.7M
222.9M
155.6M
201.7M
35.4M
9.1M
18.2M
8.4M
16.3M
39.7M
25.3M
436.1M
269.5M
166.5M
195.1M
402.1M
271.8M
184.3M
156.1M
189.7M
156.7M
111M
18.2M
11.8M
-58.8M
965K
-15.4M
-10.4M
9.1M
1.7M
2.4M

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