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Axos Financial (AX) Financials

Axos Financial logo
$84.60 +1.42 (+1.71%)
Closing price 05/18/2026 03:59 PM Eastern
Extended Trading
$84.84 +0.24 (+0.28%)
As of 04:48 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Axos Financial

Annual Income Statements for Axos Financial

This table shows Axos Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 82 119 134 152 155 183 216 241 307 450 433
Consolidated Net Income / (Loss)		 83 119 135 152 155 183 216 241 307 450 433
Net Income / (Loss) Continuing Operations		 83 119 135 152 155 183 216 241 307 450 433
Total Pre-Tax Income 		141 205 233 240 213 263 306 340 432 635 613
Total Revenue		 230 327 381 439 491 581 644 721 904 1,184 1,259
Net Interest Income / (Expense)		 199 261 313 368 409 478 539 607 783 961 1,128
Total Interest Income		 244 318 387 475 565 623 618 660 1,157 1,656 1,815
Loans and Leases Interest Income		 220 291 359 447 525 583 584 627 1,049 1,500 1,655
Investment Securities Interest Income		 24 27 28 28 40 40 33 33 108 156 161
Total Interest Expense		 45 57 74 107 156 145 79 53 374 694 688
Deposits Interest Expense		 35 43 56 80 117 127 61 34 339 671 668
Long-Term Debt Interest Expense		 - - 0.00 0.00 0.75 0.68 1.50 1.12 3.67 2.21 1.83
Federal Funds Purchased and Securities Sold Interest Expense		 8.91 11 12 23 33 12 4.67 4.63 13 3.09 1.65
Other Interest Expense		 1.78 2.85 5.16 3.88 5.62 5.65 12 13 18 18 16
Total Non-Interest Income		 31 66 68 71 83 103 105 113 120 223 131
Other Service Charges		 27 50 61 65 77 96 105 84 92 99 99
Net Realized & Unrealized Capital Gains on Investments		 3.78 16 7.19 5.56 6.05 6.87 - 0.00 0.00 92 0.00
Investment Banking Income		 - - - - - 0.00 0.00 29 28 31 32
Provision for Credit Losses		 11 9.70 11 26 27 42 24 24 24 33 56
Total Non-Interest Expense		 77 113 138 174 251 276 315 357 448 516 590
Salaries and Employee Benefits		 44 67 82 101 127 144 153 167 204 251 298
Net Occupancy & Equipment Expense		 9.72 15 19 23 33 43 54 64 76 86 98
Marketing Expense		 6.06 6.87 9.37 16 15 15 14 14 37 43 48
Other Operating Expenses		 15 20 21 25 60 50 69 87 107 109 117
Depreciation Expense		 3.27 4.80 6.09 8.57 16 24 24 25 23 27 29
Income Tax Expense		 58 86 98 87 58 79 90 99 125 185 180
Basic Earnings per Share		 $1.35 $1.87 $2.11 $2.41 $2.50 $3.01 $3.64 $4.04 $5.15 $7.82 $7.61
Weighted Average Basic Shares Outstanding		 59.94M 62.91M 63.36M 63.06M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M 56.49M
Diluted Earnings per Share		 $1.34 $1.87 $2.10 $2.37 $2.48 $2.98 $3.56 $3.97 $5.07 $7.66 $7.43
Weighted Average Diluted Shares Outstanding		 59.94M 62.91M 63.36M 63.06M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M 56.49M
Weighted Average Basic & Diluted Shares Outstanding		 59.94M 62.91M 63.36M 63.06M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M 56.49M

Quarterly Income Statements for Axos Financial

This table shows Axos Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 83 152 111 105 112 105 105 111 112 128 125
Consolidated Net Income / (Loss)		 83 152 111 105 112 105 105 111 112 128 125
Net Income / (Loss) Continuing Operations		 83 152 111 105 112 105 105 111 112 128 125
Total Pre-Tax Income 		118 217 156 144 159 150 148 156 150 176 165
Total Revenue		 246 353 295 291 321 308 309 321 323 385 392
Net Interest Income / (Expense)		 211 229 262 260 292 280 275 280 291 332 306
Total Interest Income		 364 395 444 453 484 456 433 442 466 514 478
Loans and Leases Interest Income		 327 358 405 409 438 411 395 411 430 478 453
Investment Securities Interest Income		 37 37 38 44 46 45 38 32 36 36 25
Total Interest Expense		 153 166 182 193 192 176 157 162 175 182 172
Deposits Interest Expense		 146 160 177 188 187 171 153 157 169 167 152
Long-Term Debt Interest Expense		 0.45 1.01 0.38 0.38 0.54 0.48 0.33 0.48 0.29 0.27 0.20
Federal Funds Purchased and Securities Sold Interest Expense		 0.53 0.53 0.74 1.29 0.53 0.51 0.31 0.31 0.31 0.31 6.77
Other Interest Expense		 5.71 4.34 4.11 4.15 3.88 4.12 3.93 4.53 4.72 14 13
Total Non-Interest Income		 35 124 33 31 29 28 33 41 32 53 86
Other Service Charges		 26 24 25 23 21 20 25 34 24 45 77
Investment Banking Income		 8.22 7.36 8.11 7.65 7.95 7.98 8.12 7.75 8.53 8.83 9.40
Provision for Credit Losses		 7.00 14 6.00 6.00 14 12 15 15 17 25 41
Total Non-Interest Expense		 121 122 133 141 147 145 146 151 156 185 186
Salaries and Employee Benefits		 56 59 67 69 74 74 75 75 77 82 82
Net Occupancy & Equipment Expense		 20 22 22 21 23 24 26 25 27 27 29
Marketing Expense		 10 9.79 10 12 14 11 11 11 12 13 13
Other Operating Expenses		 29 24 26 31 28 30 27 32 32 39 40
Depreciation Expense		 5.88 6.49 7.22 7.50 7.45 7.03 6.85 7.69 8.34 23 22
Income Tax Expense		 36 66 45 40 47 46 43 45 38 47 41
Basic Earnings per Share		 $1.40 $2.65 $1.94 $1.83 $1.97 $1.83 $1.84 $1.97 $1.99 $2.27 $2.20
Weighted Average Basic Shares Outstanding		 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M 56.49M 56.64M 56.68M 56.88M
Diluted Earnings per Share		 $1.38 $2.62 $1.91 $1.75 $1.93 $1.80 $1.81 $1.89 $1.94 $2.22 $2.15
Weighted Average Diluted Shares Outstanding		 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M 56.49M 56.64M 56.68M 56.88M
Weighted Average Basic & Diluted Shares Outstanding		 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M 56.49M 56.64M 56.68M 56.88M

Annual Cash Flow Statements for Axos Financial

This table details how cash moves in and out of Axos Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Net Change in Cash & Equivalents		 67 264 157 -21 235 1,093 -913 537 807 -196 -9.42
Net Cash From Operating Activities		 116 167 198 168 204 284 413 217 197 305 490
Net Cash From Continuing Operating Activities		 116 167 198 168 204 284 413 217 197 305 490
Net Income / (Loss) Continuing Operations		 83 119 135 152 155 183 216 241 307 450 433
Consolidated Net Income / (Loss)		 83 119 135 152 155 183 216 241 307 450 433
Provision For Loan Losses		 11 9.70 11 26 43 42 24 24 24 33 56
Depreciation Expense		 3.27 4.80 6.09 8.57 16 24 24 25 23 27 29
Amortization Expense		 -5.54 -4.25 -7.42 -30 -30 -24 4.75 3.93 -1.62 -58 -108
Non-Cash Adjustments to Reconcile Net Income		 38 43 49 30 16 4.66 40 26 -12 -24 1.65
Changes in Operating Assets and Liabilities, net		 -14 -5.45 4.66 -19 4.13 54 104 -103 -144 -122 79
Net Cash From Investing Activities		 -1,374 -1,538 -789 -1,026 -932 -1,348 -867 -2,783 -2,399 -2,589 -1,841
Net Cash From Continuing Investing Activities		 -1,374 -1,538 -789 -1,026 -932 -1,348 -867 -2,783 -2,399 -2,589 -1,841
Purchase of Investment Securities		 -108 -500 -709 -146 -442 -545 -277 -3,084 -2,587 -2,741 -2,384
Sale and/or Maturity of Investments		 1,977 2,545 3,989 5,086 6,282 5,771 5,171 301 188 152 543
Net Cash From Financing Activities		 1,325 1,634 747 837 962 2,157 -459 3,103 3,010 2,087 1,341
Net Cash From Continuing Financing Activities		 1,325 1,634 747 837 962 2,157 -459 3,103 3,010 2,087 1,341
Net Change in Deposits		 1,410 1,592 855 1,086 998 2,354 -521 3,131 3,177 2,236 1,470
Issuance of Debt		 734 60 0.00 -173 7.40 -9.05 175 39 -84 -27 0.00
Repayment of Debt		 -901 -35 -102 -30 23 -140 -80 -52 -28 -8.94 -43
Repurchase of Common Equity		 - 0.00 0.00 -35 -56 -39 -17 0.00 -49 -96 -58
Other Financing Activities, Net		 6.31 -3.46 -6.10 -9.95 -9.92 -7.46 -11 -14 -6.14 -16 -28
Cash Interest Paid		 46 56 74 106 153 145 78 50 368 699 687
Cash Income Taxes Paid		 68 89 102 80 64 80 93 100 131 201 154

Quarterly Cash Flow Statements for Axos Financial

This table details how cash moves in and out of Axos Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 32 -650 582 -160 618 -130 -416 -81 709 -1,545 11
Net Cash From Operating Activities		 34 119 115 44 71 163 74 183 118 104 42
Net Cash From Continuing Operating Activities		 34 119 115 44 71 163 74 183 118 104 42
Net Income / (Loss) Continuing Operations		 83 152 111 105 112 105 105 111 112 128 125
Consolidated Net Income / (Loss)		 83 152 111 105 112 105 105 111 112 128 125
Provision For Loan Losses		 7.00 14 6.00 6.00 14 12 15 15 17 25 41
Depreciation Expense		 5.88 6.49 7.22 7.50 7.45 7.03 6.85 7.69 8.34 23 22
Amortization Expense		 -3.10 -8.91 -26 -20 -37 -21 -24 -25 -22 -39 -15
Non-Cash Adjustments to Reconcile Net Income		 20 -72 -30 59 14 -14 9.24 -7.87 48 15 5.44
Changes in Operating Assets and Liabilities, net		 -78 28 47 -114 -40 74 -38 83 -46 -48 -136
Net Cash From Investing Activities		 -506 -1,236 -419 -434 -46 -269 -678 -849 -1,033 -2,384 -881
Net Cash From Continuing Investing Activities		 -506 -1,236 -419 -434 -46 -269 -678 -849 -1,033 -2,384 -881
Purchase of Investment Securities		 -509 -1,244 -8.44 -1,865 -97 -509 -704 -1,074 -1,125 -2,447 -944
Sale and/or Maturity of Investments		 2.23 8.65 2,330 -6,609 52 240 27 225 91 63 63
Net Cash From Financing Activities		 504 467 887 230 593 -24 188 584 1,624 735 849
Net Cash From Continuing Financing Activities		 504 467 887 230 593 -24 188 584 1,624 735 849
Net Change in Deposits		 443 638 900 256 614 -38 202 693 1,435 968 -845
Issuance of Debt		 86 -107 -6.00 27 0.00 45 19 -64 200 - 1,773
Repayment of Debt		 0.00 - -4.21 -32 -12 -30 - -1.37 -2.55 -231 -71
Other Financing Activities, Net		 -6.08 -0.17 -2.13 -7.81 -9.48 -0.29 -6.33 -12 -8.47 -2.32 -8.42
Cash Interest Paid		 152 171 179 197 192 175 157 163 173 181 169
Cash Income Taxes Paid		 53 32 60 57 40 49 52 12 80 14 8.44

Annual Balance Sheets for Axos Financial

This table presents Axos Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Total Assets		 5,824 7,599 8,502 9,540 11,220 13,852 14,266 17,401 20,348 22,855 24,783
Cash and Due from Banks		 223 487 628 623 511 1,756 716 1,203 2,233 1,980 1,934
Restricted Cash		 - - - 0.00 346 194 322 372 149 206 243
Trading Account Securities		 397 472 273 180 372 410 808 603 367 209 206
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 5,032 6,409 7,400 8,470 9,420 97 42 16 24 16 10
Intangible Assets		 - - 0.00 68 135 125 116 156 152 142 135
Other Assets		 164 217 169 199 436 11,269 12,261 15,051 17,423 20,302 22,256
Total Liabilities & Shareholders' Equity		 5,824 7,599 8,502 9,540 11,220 13,852 14,266 17,401 20,348 22,855 24,783
Total Liabilities		 5,290 6,916 7,667 8,579 10,147 12,621 12,865 15,758 18,431 20,565 22,102
Non-Interest Bearing Deposits		 309 589 849 1,015 1,442 1,937 2,474 5,034 2,898 2,976 3,041
Interest Bearing Deposits		 4,143 5,455 6,051 6,970 7,541 9,400 8,341 8,912 14,225 16,384 17,789
Short-Term Debt		 35 35 20 0.00 239 348 535 512 445 301 351
Long-Term Debt		 758 783 694 512 826 734 1,304 1,037 612 490 512
Other Long-Term Liabilities		 44 52 52 82 100 203 210 263 251 415 410
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 534 684 834 961 1,073 1,231 1,401 1,643 1,917 2,291 2,681
Total Preferred & Common Equity		 534 684 834 961 1,073 1,231 1,401 1,643 1,917 2,291 2,681
Total Common Equity		 528 684 834 961 1,073 1,231 1,401 1,643 1,917 2,291 2,681
Common Stock		 297 332 347 367 391 413 433 454 481 511 550
Retained Earnings		 266 385 519 671 826 1,009 1,188 1,428 1,736 2,186 2,619
Treasury Stock		 -25 -31 -37 -82 -149 -195 -223 -237 -292 -403 -488
Accumulated Other Comprehensive Income / (Loss)		 -9.40 -7.30 0.49 -0.61 0.02 -0.94 2.51 -2.93 -6.61 -2.47 0.35

Quarterly Balance Sheets for Axos Financial

This table presents Axos Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 12/31/2022 3/31/2023 9/30/2023 12/31/2023 3/31/2024 9/30/2024 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Total Assets		 18,741 19,782 20,825 21,624 22,642 23,569 23,709 23,981 27,432 28,201 29,249
Cash and Due from Banks		 1,756 2,324 2,162 1,569 2,130 2,571 2,438 2,001 2,561 1,010 1,168
Restricted Cash		 197 180 252 195 216 233 235 256 325 330 183
Trading Account Securities		 307 367 97 385 314 223 213 172 241 921 935
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 4.75 8.22 8.01 13 16 15 25 16 12 19 24
Intangible Assets		 158 155 150 147 144 139 138 136 206 196 211
Other Assets		 16,319 16,748 18,157 19,314 19,822 20,389 20,660 21,400 24,087 25,725 26,728
Total Liabilities & Shareholders' Equity		 18,741 19,782 20,825 21,624 22,642 23,569 23,709 23,981 27,432 28,201 29,249
Total Liabilities		 16,953 17,938 18,849 19,546 20,446 21,163 21,187 21,377 24,639 25,271 26,184
Non-Interest Bearing Deposits		 3,442 3,173 2,875 2,834 2,759 3,056 2,990 2,970 3,387 3,246 3,390
Interest Bearing Deposits		 12,248 13,566 14,690 15,370 16,345 16,918 16,945 17,167 18,877 19,987 18,999
Short-Term Debt		 421 406 342 369 387 316 310 314 386 359 339
Long-Term Debt		 590 539 654 587 540 499 554 549 1,557 1,245 2,966
Other Long-Term Liabilities		 252 254 287 386 415 375 389 378 431 435 491
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,788 1,844 1,976 2,078 2,196 2,406 2,522 2,604 2,793 2,930 3,065
Total Preferred & Common Equity		 1,788 1,844 1,976 2,078 2,196 2,406 2,522 2,604 2,793 2,930 3,065
Total Common Equity		 1,788 1,844 1,976 2,078 2,196 2,406 2,522 2,604 2,793 2,930 3,065
Common Stock		 466 474 487 494 503 522 530 541 558 568 584
Retained Earnings		 1,568 1,648 1,818 1,970 2,081 2,298 2,403 2,508 2,731 2,859 2,984
Treasury Stock		 -240 -272 -323 -382 -385 -413 -413 -446 -496 -499 -507
Accumulated Other Comprehensive Income / (Loss)		 -6.95 -5.57 -6.39 -3.92 -3.06 -0.77 3.01 1.11 0.06 1.86 4.46

Annual Metrics And Ratios for Axos Financial

This table displays calculated financial ratios and metrics derived from Axos Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 43.86% 42.61% 16.50% 15.23% 11.82% 18.16% 10.92% 11.88% 25.41% 31.04% 6.31%
EBITDA Growth		 60.86% 48.24% 12.62% -5.57% -8.89% 31.94% 27.41% 10.12% 23.07% 33.25% -11.58%
EBIT Growth		 49.42% 45.46% 13.57% 3.01% -11.22% 23.41% 16.42% 11.19% 27.00% 47.19% -3.48%
NOPAT Growth		 47.76% 44.28% 12.95% 13.11% 1.78% 18.25% 17.59% 11.59% 27.60% 46.50% -3.80%
Net Income Growth		 47.76% 44.28% 12.95% 13.11% 1.78% 18.25% 17.59% 11.59% 27.60% 46.50% -3.80%
EPS Growth		 39.58% 39.55% 12.30% 12.86% 4.64% 20.16% 19.46% 11.52% 27.71% 51.08% -3.00%
Operating Cash Flow Growth		 444.59% 43.76% 18.93% -15.41% 21.74% 38.99% 45.22% -47.50% -9.19% 55.30% 60.51%
Free Cash Flow Firm Growth		 128.87% -164.00% 257.52% 161.37% -322.76% 101.60% -8,798.59% 140.62% 81.46% -34.69% -108.43%
Invested Capital Growth		 -0.32% 13.19% 3.14% -4.95% 45.20% 8.20% 40.11% -1.49% -6.82% 3.61% 14.99%
Revenue Q/Q Growth		 9.73% 6.71% 1.57% 2.80% 4.16% 4.00% 1.98% 4.96% 5.11% 4.82% 2.48%
EBITDA Q/Q Growth		 13.71% 5.12% 0.76% -0.48% 4.19% 6.62% 1.38% 1.93% 8.74% 1.66% 1.33%
EBIT Q/Q Growth		 11.67% 4.79% 2.01% -2.21% 2.34% 5.04% 2.49% 1.91% 8.90% 4.50% 1.90%
NOPAT Q/Q Growth		 11.29% 4.68% 2.14% 3.09% 2.32% 2.61% 4.33% 1.54% 10.61% 4.05% 1.36%
Net Income Q/Q Growth		 11.29% 4.68% 2.14% 3.09% 2.32% 2.61% 4.33% 1.54% 10.61% 4.05% 1.36%
EPS Q/Q Growth		 2,133.33% 112.50% 2.44% 2.60% 2.90% 3.11% 4.09% 2.06% 10.22% 4.36% 1.92%
Operating Cash Flow Q/Q Growth		 172.83% 34.38% -15.57% 15.41% 16.05% -5.22% 10.06% 27.92% -26.16% -9.93% 42.56%
Free Cash Flow Firm Q/Q Growth		 277.83% 84.94% 175.29% 320.94% -953.15% 107.95% -85.01% -91.12% 120.89% 249.77% -134.42%
Invested Capital Q/Q Growth		 18.54% -6.29% -16.32% -24.28% -0.32% -4.67% 7.38% 0.00% 6.64% -1.35% 2.21%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 60.38% 62.76% 60.67% 49.72% 40.51% 45.23% 51.96% 51.14% 50.19% 51.03% 42.45%
EBIT Margin		 61.37% 62.59% 61.02% 54.55% 43.31% 45.23% 47.48% 47.18% 47.78% 53.67% 48.73%
Profit (Net Income) Margin		 36.02% 36.44% 35.33% 34.68% 31.57% 31.59% 33.49% 33.41% 33.99% 38.00% 34.39%
Tax Burden Percent		 58.70% 58.22% 57.90% 63.58% 72.90% 69.85% 70.55% 70.81% 71.15% 70.81% 70.58%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 41.30% 41.78% 42.10% 36.42% 27.10% 30.15% 29.45% 29.19% 28.85% 29.19% 29.42%
Return on Invested Capital (ROIC)		 6.22% 8.44% 8.83% 10.09% 8.60% 8.24% 7.77% 7.49% 9.96% 14.86% 13.07%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.22% 8.44% 8.83% 10.09% 8.60% 8.24% 7.77% 7.49% 9.96% 14.86% 13.07%
Return on Net Nonoperating Assets (RNNOA)		 12.06% 11.17% 8.92% 6.89% 6.66% 7.68% 8.62% 8.33% 7.29% 6.53% 4.35%
Return on Equity (ROE)		 18.29% 19.60% 17.75% 16.98% 15.26% 15.92% 16.39% 15.82% 17.26% 21.39% 17.42%
Cash Return on Invested Capital (CROIC)		 6.54% -3.93% 5.75% 15.17% -28.27% 0.37% -25.64% 8.99% 17.02% 11.32% -0.87%
Operating Return on Assets (OROA)		 2.75% 3.05% 2.89% 2.66% 2.05% 2.10% 2.17% 2.15% 2.29% 2.94% 2.58%
Return on Assets (ROA)		 1.62% 1.78% 1.67% 1.69% 1.49% 1.46% 1.53% 1.52% 1.63% 2.08% 1.82%
Return on Common Equity (ROCE)		 18.08% 19.52% 17.75% 16.98% 15.26% 15.92% 16.39% 15.82% 17.26% 21.39% 17.42%
Return on Equity Simple (ROE_SIMPLE)		 15.50% 17.45% 16.15% 15.87% 14.46% 14.90% 15.40% 14.65% 16.02% 19.65% 16.15%
Net Operating Profit after Tax (NOPAT)		 83 119 135 152 155 183 216 241 307 450 433
NOPAT Margin		 36.02% 36.44% 35.33% 34.68% 31.57% 31.59% 33.49% 33.41% 33.99% 38.00% 34.39%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 25.97% 26.95% 28.88% 31.85% 35.59% 34.72% 34.30% 33.99% 35.15% 32.07% 35.26%
Operating Expenses to Revenue		 33.75% 34.45% 36.08% 39.58% 51.12% 47.50% 48.84% 49.52% 49.54% 43.59% 46.84%
Earnings before Interest and Taxes (EBIT)		 141 205 233 240 213 263 306 340 432 635 613
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 139 205 231 218 199 263 335 368 454 604 534
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 3.07 1.63 1.80 2.66 1.56 1.07 1.96 1.30 1.22 1.42 1.60
Price to Tangible Book Value (P/TBV)		 3.07 1.63 1.80 2.87 1.78 1.19 2.14 1.44 1.32 1.52 1.68
Price to Revenue (P/Rev)		 7.07 3.41 3.94 5.82 3.40 2.27 4.27 2.97 2.58 2.75 3.41
Price to Earnings (P/E)		 19.70 9.39 11.19 16.82 10.79 7.19 12.75 8.89 7.59 7.23 9.90
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 5.08% 10.65% 8.94% 5.94% 9.27% 13.90% 7.84% 11.25% 13.18% 13.82% 10.10%
Enterprise Value to Invested Capital (EV/IC)		 1.66 0.96 1.02 1.66 0.88 0.19 1.10 0.66 0.34 0.60 0.84
Enterprise Value to Revenue (EV/Rev)		 9.58 4.42 4.13 5.57 3.82 0.77 5.51 2.93 1.11 1.57 2.36
Enterprise Value to EBITDA (EV/EBITDA)		 15.86 7.05 6.81 11.20 9.43 1.71 10.61 5.73 2.22 3.08 5.56
Enterprise Value to EBIT (EV/EBIT)		 15.61 7.07 6.77 10.21 8.82 1.71 11.61 6.22 2.33 2.93 4.85
Enterprise Value to NOPAT (EV/NOPAT)		 26.59 12.14 11.69 16.06 12.10 2.45 16.46 8.78 3.28 4.14 6.87
Enterprise Value to Operating Cash Flow (EV/OCF)		 18.93 8.68 7.93 14.58 9.18 1.58 8.60 9.75 5.12 6.09 6.06
Enterprise Value to Free Cash Flow (EV/FCFF)		 25.29 0.00 17.97 10.69 0.00 54.81 0.00 7.31 1.92 5.43 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.49 1.20 0.86 0.53 0.99 0.88 1.31 0.94 0.55 0.35 0.32
Long-Term Debt to Equity		 1.42 1.15 0.83 0.53 0.77 0.60 0.93 0.63 0.32 0.21 0.19
Financial Leverage		 1.94 1.32 1.01 0.68 0.78 0.93 1.11 1.11 0.73 0.44 0.33
Leverage Ratio		 11.31 11.03 10.61 10.05 10.21 10.88 10.68 10.40 10.60 10.27 9.58
Compound Leverage Factor		 11.31 11.03 10.61 10.05 10.21 10.88 10.68 10.40 10.60 10.27 9.58
Debt to Total Capital		 59.78% 54.48% 46.13% 34.75% 49.80% 46.78% 56.76% 48.52% 35.54% 25.67% 24.35%
Short-Term Debt to Total Capital		 2.64% 2.33% 1.29% 0.00% 11.16% 15.03% 16.52% 16.03% 14.98% 9.77% 9.89%
Long-Term Debt to Total Capital		 57.15% 52.15% 44.84% 34.75% 38.63% 31.75% 40.24% 32.49% 20.56% 15.90% 14.45%
Preferred Equity to Total Capital		 0.38% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 39.83% 45.52% 53.87% 65.25% 50.20% 53.22% 43.24% 51.48% 64.46% 74.33% 75.65%
Debt to EBITDA		 5.72 3.98 3.09 2.34 5.35 4.12 5.50 4.20 2.33 1.31 1.61
Net Debt to EBITDA		 4.11 1.61 0.31 -0.51 1.04 -3.31 2.40 -0.07 -2.92 -2.31 -2.46
Long-Term Debt to EBITDA		 5.47 3.81 3.00 2.34 4.15 2.80 3.90 2.81 1.35 0.81 0.96
Debt to NOPAT		 9.59 6.86 5.30 3.36 6.86 5.90 8.53 6.43 3.44 1.76 1.99
Net Debt to NOPAT		 6.90 2.78 0.53 -0.73 1.33 -4.74 3.72 -0.11 -4.31 -3.10 -3.03
Long-Term Debt to NOPAT		 9.17 6.56 5.15 3.36 5.32 4.00 6.04 4.31 1.99 1.09 1.18
Noncontrolling Interest Sharing Ratio		 1.12% 0.42% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 87 -56 88 229 -510 8.18 -712 289 525 343 -29
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 1.91 -0.98 1.18 2.15 -3.26 0.06 -9.00 5.50 1.40 0.49 -0.04
Operating Cash Flow to Interest Expense		 2.56 2.94 2.68 1.58 1.31 1.96 5.21 4.12 0.53 0.44 0.71
Operating Cash Flow Less CapEx to Interest Expense		 2.56 2.94 2.68 1.58 1.31 1.96 5.21 4.12 0.53 0.44 0.71
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 30.09 29.04 24.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,327 1,502 1,549 1,472 2,137 2,313 3,240 3,192 2,974 3,082 3,543
Invested Capital Turnover		 0.17 0.23 0.25 0.29 0.27 0.26 0.23 0.22 0.29 0.39 0.38
Increase / (Decrease) in Invested Capital		 -4.25 175 47 -77 665 175 928 -48 -218 107 462
Enterprise Value (EV)		 2,198 1,448 1,575 2,448 1,877 449 3,550 2,113 1,006 1,861 2,973
Market Capitalization		 1,623 1,117 1,504 2,559 1,670 1,317 2,748 2,139 2,331 3,256 4,287
Book Value per Share		 $34.42 $10.84 $13.16 $15.36 $17.51 $20.63 $23.65 $27.54 $32.43 $40.21 $47.55
Tangible Book Value per Share		 $34.42 $10.84 $13.16 $14.27 $15.31 $18.53 $21.69 $24.92 $29.86 $37.72 $45.17
Total Capital		 1,327 1,502 1,549 1,472 2,137 2,313 3,240 3,192 2,974 3,082 3,543
Total Debt		 793 818 714 512 1,064 1,082 1,839 1,549 1,057 791 863
Total Long-Term Debt		 758 783 694 512 826 734 1,304 1,037 612 490 512
Net Debt		 570 331 71 -111 207 -869 801 -26 -1,325 -1,395 -1,314
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 793 818 714 512 1,064 1,082 1,839 1,549 1,057 791 863
Total Depreciation and Amortization (D&A)		 -2.27 0.55 -1.32 -21 -14 -0.01 29 29 22 -31 -79
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $5.39 $1.85 $2.07 $2.41 $2.50 $3.01 $3.64 $4.04 $5.15 $7.82 $7.61
Adjusted Weighted Average Basic Shares Outstanding		 15.64M 63.27M 63.61M 62.78M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M 56.49M
Adjusted Diluted Earnings per Share		 $5.37 $1.85 $2.07 $2.37 $2.48 $2.98 $3.56 $3.97 $5.07 $7.66 $7.43
Adjusted Weighted Average Diluted Shares Outstanding		 15.64M 63.27M 63.61M 62.78M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M 56.49M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.64M 63.27M 63.61M 62.78M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M 56.49M
Normalized Net Operating Profit after Tax (NOPAT)		 83 119 135 152 155 183 216 241 307 450 433
Normalized NOPAT Margin		 36.02% 36.44% 35.33% 34.68% 31.57% 31.59% 33.49% 33.41% 33.99% 38.00% 34.39%
Pre Tax Income Margin		 61.37% 62.59% 61.02% 54.55% 43.31% 45.23% 47.48% 47.18% 47.78% 53.67% 48.73%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.10 3.61 3.14 2.25 1.36 1.81 3.86 6.47 1.15 0.92 0.89
NOPAT to Interest Expense		 1.82 2.10 1.82 1.43 0.99 1.26 2.73 4.58 0.82 0.65 0.63
EBIT Less CapEx to Interest Expense		 3.10 3.61 3.14 2.25 1.36 1.81 3.86 6.47 1.15 0.92 0.89
NOPAT Less CapEx to Interest Expense		 1.82 2.10 1.82 1.43 0.99 1.26 2.73 4.58 0.82 0.65 0.63
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.37% 0.26% 0.23% 0.20% 0.15% 0.21% 0.05% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.37% 0.26% 0.23% 23.29% 36.53% 21.39% 7.82% 0.00% 15.94% 21.40% 13.44%

Quarterly Metrics And Ratios for Axos Financial

This table displays calculated financial ratios and metrics derived from Axos Financial's official financial filings.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 56,678,249.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 56,678,249.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 2.20
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 18.29% 54.55% 27.48% 23.03% 30.53% -12.71% 4.77% 10.49% 0.85% 25.07% 27.01%
EBITDA Growth		 34.90% 74.79% 14.81% 8.10% 6.91% -36.74% -4.63% 5.33% 5.61% 17.16% 31.87%
EBIT Growth		 42.62% 85.47% 35.63% 23.41% 34.73% -30.85% -4.80% 7.90% -5.84% 16.75% 11.63%
NOPAT Growth		 41.50% 86.10% 38.66% 20.05% 35.93% -31.02% -4.98% 5.53% 0.01% 22.65% 18.51%
Net Income Growth		 41.50% 86.10% 38.66% 20.05% 35.93% -31.02% -4.98% 5.53% 0.01% 22.65% 18.51%
EPS Growth		 42.27% 94.07% 44.70% 22.38% 39.86% -31.30% -5.24% 8.00% 0.52% 23.33% 18.78%
Operating Cash Flow Growth		 -51.73% 11.57% 298.20% -43.50% 107.06% 37.08% -36.36% 395.93% 67.31% -35.94% -42.96%
Free Cash Flow Firm Growth		 -74.40% 96.93% 91.74% -100.81% -338.98% -196.59% -6.33% -14,173.41% -927.74% -312.78% -1,067.64%
Invested Capital Growth		 0.87% 8.40% 11.99% 3.61% 8.37% 11.60% 10.99% 14.99% 47.03% 33.92% 83.74%
Revenue Q/Q Growth		 3.89% 43.59% -16.43% -1.30% 10.22% -3.98% 0.31% 4.08% 0.60% 19.08% 1.86%
EBITDA Q/Q Growth		 -0.61% 77.77% -36.34% -3.89% -1.71% 5.19% -4.03% 6.15% -1.45% 16.70% 8.02%
EBIT Q/Q Growth		 0.99% 83.99% -28.45% -7.17% 10.25% -5.57% -1.50% 5.21% -3.79% 17.10% -5.82%
NOPAT Q/Q Growth		 -5.39% 83.64% -27.05% -5.28% 7.12% -6.81% 0.50% 5.20% 1.52% 14.28% -2.90%
Net Income Q/Q Growth		 -5.39% 83.64% -27.05% -5.28% 7.12% -6.81% 0.50% 5.20% 1.52% 14.28% -2.90%
EPS Q/Q Growth		 -3.50% 89.86% -27.10% -8.38% 10.29% -6.74% 0.56% 4.42% 2.65% 14.43% -3.15%
Operating Cash Flow Q/Q Growth		 -55.86% 246.76% 1.23% -61.81% 61.74% 129.57% -54.66% 148.85% -35.41% -12.10% -59.63%
Free Cash Flow Firm Q/Q Growth		 -81.27% -245.91% -168.59% 98.90% -5,447.68% -81.08% 3.71% -47.56% -299.45% 27.27% -172.37%
Invested Capital Q/Q Growth		 -0.07% 2.07% 2.97% -1.35% 4.53% 5.10% 2.40% 2.21% 33.66% -4.27% 40.49%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 49.23% 60.95% 46.43% 45.21% 40.32% 44.17% 42.26% 43.10% 42.22% 41.38% 43.88%
EBIT Margin		 48.10% 61.63% 52.77% 49.63% 49.65% 48.82% 47.95% 48.47% 46.35% 45.58% 42.14%
Profit (Net Income) Margin		 33.64% 43.03% 37.56% 36.05% 35.03% 34.00% 34.07% 34.43% 34.74% 33.34% 31.79%
Tax Burden Percent		 69.95% 69.81% 71.18% 72.63% 70.57% 69.64% 71.05% 71.04% 74.96% 73.16% 75.43%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 30.05% 30.19% 28.82% 27.37% 29.43% 30.36% 28.95% 28.96% 25.04% 26.84% 24.57%
Return on Invested Capital (ROIC)		 10.70% 15.73% 14.35% 14.10% 14.24% 12.86% 12.70% 13.08% 11.02% 11.27% 9.19%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.70% 15.73% 14.35% 14.10% 14.24% 12.86% 12.70% 13.08% 11.02% 11.27% 9.19%
Return on Net Nonoperating Assets (RNNOA)		 6.53% 8.00% 6.65% 6.19% 5.89% 5.09% 4.74% 4.35% 5.84% 5.10% 6.76%
Return on Equity (ROE)		 17.23% 23.73% 21.00% 20.29% 20.13% 17.95% 17.43% 17.44% 16.86% 16.37% 15.95%
Cash Return on Invested Capital (CROIC)		 10.33% 5.71% 3.31% 11.32% 7.46% 2.52% 2.55% -0.87% -27.20% -17.47% -49.35%
Operating Return on Assets (OROA)		 2.31% 3.26% 2.81% 2.72% 2.82% 2.62% 2.53% 2.56% 2.29% 2.35% 2.25%
Return on Assets (ROA)		 1.61% 2.27% 2.00% 1.98% 1.99% 1.82% 1.79% 1.82% 1.72% 1.72% 1.70%
Return on Common Equity (ROCE)		 17.23% 23.73% 21.00% 20.29% 20.13% 17.95% 17.43% 17.44% 16.86% 16.37% 15.95%
Return on Equity Simple (ROE_SIMPLE)		 16.77% 19.33% 19.69% 0.00% 19.94% 17.15% 16.40% 0.00% 15.50% 15.58% 15.53%
Net Operating Profit after Tax (NOPAT)		 83 152 111 105 112 105 105 111 112 128 125
NOPAT Margin		 33.64% 43.03% 37.56% 36.05% 35.03% 34.00% 34.07% 34.43% 34.74% 33.34% 31.79%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 35.05% 25.80% 33.99% 35.21% 34.88% 35.29% 36.44% 34.47% 35.71% 31.66% 31.51%
Operating Expenses to Revenue		 49.05% 34.54% 45.20% 48.31% 45.99% 47.20% 47.36% 46.87% 48.32% 47.93% 47.41%
Earnings before Interest and Taxes (EBIT)		 118 217 156 144 159 150 148 156 150 176 165
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 121 215 137 132 129 136 131 139 137 159 172
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.15 1.52 1.40 1.42 1.49 1.58 1.41 1.60 1.71 1.67 1.57
Price to Tangible Book Value (P/TBV)		 1.24 1.63 1.50 1.52 1.58 1.67 1.49 1.68 1.85 1.79 1.69
Price to Revenue (P/Rev)		 2.41 2.96 2.72 2.75 2.84 3.28 3.00 3.41 3.79 3.65 3.39
Price to Earnings (P/E)		 6.85 7.85 7.11 7.23 7.46 9.22 8.63 9.90 11.04 10.69 10.13
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 14.59% 12.74% 14.07% 13.82% 13.41% 10.85% 11.59% 10.10% 9.05% 9.36% 9.87%
Enterprise Value to Invested Capital (EV/IC)		 0.29 0.77 0.53 0.60 0.49 0.64 0.66 0.84 0.81 1.13 1.06
Enterprise Value to Revenue (EV/Rev)		 0.91 2.20 1.47 1.57 1.26 1.79 1.86 2.36 3.04 3.84 4.76
Enterprise Value to EBITDA (EV/EBITDA)		 1.76 4.06 2.79 3.08 2.59 4.08 4.34 5.56 7.09 9.11 11.17
Enterprise Value to EBIT (EV/EBIT)		 1.83 4.13 2.72 2.93 2.35 3.57 3.80 4.85 6.35 8.17 10.48
Enterprise Value to NOPAT (EV/NOPAT)		 2.58 5.84 3.83 4.14 3.31 5.03 5.36 6.87 8.87 11.26 14.23
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.33 13.60 4.88 6.09 4.65 5.64 6.66 6.06 7.14 10.73 15.13
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.79 14.08 16.91 5.43 6.88 26.96 27.27 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.50 0.46 0.42 0.35 0.34 0.34 0.33 0.32 0.70 0.55 1.08
Long-Term Debt to Equity		 0.33 0.28 0.25 0.21 0.21 0.22 0.21 0.19 0.56 0.43 0.97
Financial Leverage		 0.61 0.51 0.46 0.44 0.41 0.40 0.37 0.33 0.53 0.45 0.74
Leverage Ratio		 10.67 10.44 10.50 10.27 10.13 9.85 9.71 9.58 9.81 9.52 9.39
Compound Leverage Factor		 10.67 10.44 10.50 10.27 10.13 9.85 9.71 9.58 9.81 9.52 9.39
Debt to Total Capital		 33.51% 31.50% 29.69% 25.67% 25.31% 25.51% 24.89% 24.35% 41.02% 35.38% 51.88%
Short-Term Debt to Total Capital		 11.50% 12.16% 12.40% 9.77% 9.81% 9.14% 9.07% 9.89% 8.15% 7.91% 5.32%
Long-Term Debt to Total Capital		 22.01% 19.34% 17.29% 15.90% 15.50% 16.36% 15.82% 14.45% 32.88% 27.46% 46.57%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 66.49% 68.50% 70.31% 74.33% 74.69% 74.49% 75.11% 75.65% 58.98% 64.62% 48.12%
Debt to EBITDA		 2.05 1.66 1.56 1.31 1.33 1.62 1.64 1.61 3.59 2.84 5.45
Net Debt to EBITDA		 -2.92 -1.40 -2.39 -2.31 -3.25 -3.39 -2.65 -2.46 -1.74 0.47 3.22
Long-Term Debt to EBITDA		 1.35 1.02 0.91 0.81 0.82 1.04 1.04 0.96 2.88 2.20 4.89
Debt to NOPAT		 3.01 2.38 2.14 1.76 1.70 2.00 2.02 1.99 4.49 3.51 6.94
Net Debt to NOPAT		 -4.28 -2.01 -3.28 -3.10 -4.15 -4.18 -3.27 -3.03 -2.18 0.58 4.10
Long-Term Debt to NOPAT		 1.97 1.46 1.25 1.09 1.04 1.28 1.28 1.18 3.60 2.73 6.23
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 57 -83 -224 -2.46 -136 -247 -238 -351 -1,403 -1,020 -2,778
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.37 -0.50 -1.23 -0.01 -0.71 -1.40 -1.51 -2.16 -8.03 -5.60 -16.16
Operating Cash Flow to Interest Expense		 0.22 0.71 0.63 0.23 0.37 0.92 0.47 1.13 0.68 0.57 0.24
Operating Cash Flow Less CapEx to Interest Expense		 0.22 0.71 0.63 0.23 0.37 0.92 0.47 1.13 0.68 0.57 0.24
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,972 3,034 3,124 3,082 3,221 3,386 3,467 3,543 4,736 4,534 6,370
Invested Capital Turnover		 0.32 0.37 0.38 0.39 0.41 0.38 0.37 0.38 0.32 0.34 0.29
Increase / (Decrease) in Invested Capital		 26 235 335 107 249 352 343 462 1,515 1,149 2,903
Enterprise Value (EV)		 853 2,344 1,656 1,861 1,589 2,178 2,289 2,973 3,839 5,144 6,776
Market Capitalization		 2,271 3,152 3,075 3,256 3,578 3,988 3,684 4,287 4,782 4,880 4,823
Book Value per Share		 $32.95 $36.00 $38.60 $40.21 $42.28 $44.17 $45.60 $47.55 $49.45 $51.73 $54.08
Tangible Book Value per Share		 $30.45 $33.46 $36.06 $37.72 $39.84 $41.76 $43.22 $45.17 $45.81 $48.27 $50.36
Total Capital		 2,972 3,034 3,124 3,082 3,221 3,386 3,467 3,543 4,736 4,534 6,370
Total Debt		 996 955 927 791 815 864 863 863 1,943 1,604 3,305
Total Long-Term Debt		 654 587 540 490 499 554 549 512 1,557 1,245 2,966
Net Debt		 -1,418 -808 -1,419 -1,395 -1,988 -1,810 -1,395 -1,314 -943 263 1,953
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 996 955 927 791 815 864 863 863 1,943 1,604 3,305
Total Depreciation and Amortization (D&A)		 2.78 -2.42 -19 -13 -30 -14 -18 -17 -13 -16 6.82
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.40 $2.65 $1.94 $1.83 $1.97 $1.83 $1.84 $1.97 $1.99 $2.27 $2.20
Adjusted Weighted Average Basic Shares Outstanding		 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M 56.49M 56.64M 56.68M 56.88M
Adjusted Diluted Earnings per Share		 $1.38 $2.62 $1.91 $1.75 $1.93 $1.80 $1.81 $1.89 $1.94 $2.22 $2.15
Adjusted Weighted Average Diluted Shares Outstanding		 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M 56.49M 56.64M 56.68M 56.88M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M 56.49M 56.64M 56.68M 56.88M
Normalized Net Operating Profit after Tax (NOPAT)		 83 152 111 105 112 105 105 111 112 128 125
Normalized NOPAT Margin		 33.64% 43.03% 37.56% 36.05% 35.03% 34.00% 34.07% 34.43% 34.74% 33.34% 31.79%
Pre Tax Income Margin		 48.10% 61.63% 52.77% 49.63% 49.65% 48.82% 47.95% 48.47% 46.35% 45.58% 42.14%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.77 1.31 0.85 0.75 0.83 0.85 0.94 0.96 0.86 0.96 0.96
NOPAT to Interest Expense		 0.54 0.91 0.61 0.54 0.58 0.59 0.67 0.68 0.64 0.71 0.73
EBIT Less CapEx to Interest Expense		 0.77 1.31 0.85 0.75 0.83 0.85 0.94 0.96 0.86 0.96 0.96
NOPAT Less CapEx to Interest Expense		 0.54 0.91 0.61 0.54 0.58 0.59 0.67 0.68 0.64 0.71 0.73
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 20.35% 32.75% 23.25% 21.40% 16.22% 3.17% 9.13% 13.44% 0.00% 0.00% 6.79%

Financials Breakdown Chart

Key Financial Trends

Axos Financial, Inc. (AX) has shown a mix of improving profitability and growing deposits over the last four years, with some meaningful cash outflows tied to investing activities. Here are the key trends most relevant to retail investors.

  • Net income from continuing operations rose to $128.397 million in Q2 2026, up from $104.687 million in Q2 2025, signaling improving profitability.
  • Total revenue climbed to $385.087 million in Q2 2026, up from $307.898 million in Q2 2025, indicating stronger topline performance across revenue streams.
  • Net interest income increased to $331.709 million in Q2 2026, up from $280.099 million in Q2 2025, highlighting stronger core banking margins.
  • Diluted earnings per share (EPS) reached $2.22 in Q2 2026, up from about $1.89–$1.94 in prior quarters, reflecting higher profitability per share.
  • Total deposits grew to about $23.23 billion in Q2 2026 (Non-Interest Bearing Deposits: $3.246B; Interest Bearing Deposits: $19.987B), strengthening the funding base.
  • Non-interest income expanded, rising from about $28.3 million in Q2 2025 to about $53.4 million in Q2 2026, suggesting diversification beyond interest income.
  • Total assets expanded to roughly $28.20 billion by Q2 2026, signaling scale growth in the balance sheet.
  • Provision for credit losses fluctuated across quarters, ranging roughly between the low-teens and mid-twenties millions, indicating cyclicality in credit risk management.
  • Net cash used in investing activities has been substantial, including about -$2.384 billion in Q2 2026, underscoring ongoing investment activity that weighs on near-term liquidity.
  • Net change in cash & equivalents was negative in some quarters (e.g., -$1.545 billion in Q2 2026), reflecting the combined impact of investing and financing outflows on liquidity.
05/19/26 06:13 AM ETAI Generated. May Contain Errors.

Axos Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Axos Financial's fiscal year ends in June. Their fiscal year 2025 ended on June 30, 2025.

Axos Financial's net income appears to be on an upward trend, with a most recent value of $432.91 million in 2025, rising from $82.68 million in 2015. The previous period was $450.01 million in 2024. Find out what analysts predict for Axos Financial in the coming months.

Over the last 10 years, Axos Financial's total revenue changed from $229.54 million in 2015 to $1.26 billion in 2025, a change of 448.4%.

Axos Financial's total liabilities were at $22.10 billion at the end of 2025, a 7.5% increase from 2024, and a 317.8% increase since 2015.

In the past 10 years, Axos Financial's cash and equivalents has ranged from $222.77 million in 2015 to $2.23 billion in 2023, and is currently $1.93 billion as of their latest financial filing in 2025.

Over the last 10 years, Axos Financial's book value per share changed from 34.42 in 2015 to 47.55 in 2025, a change of 38.1%.


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Financial statements for NYSE:AX last updated on 5/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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