What is Axos Financial Inc's earnings per share (EPS)?

Axos Financial Inc (AX) reported diluted earnings per share of $7.43 for fiscal year 2025. This represents a -3.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Axos Financial Inc Financials

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE June

This page shows Axos Financial Inc (AX) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 71/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Axos Financial Inc's revenue grew a modest 1.8% year-over-year to $65.8M. This slow but positive growth earns a score of 36/100.

Leverage

100

Axos Financial Inc carries a low D/E ratio of 0.12, meaning only $0.12 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Axos Financial Inc converts 662.9% of revenue into free cash flow ($436.1M). This strong cash generation earns a score of 100/100.

Returns

Axos Financial Inc's ROE of 16.2% shows moderate profitability relative to equity, earning a score of 47/100. This is down from 19.7% the prior year.

Piotroski F-Score Neutral

5/9

Axos Financial Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.13x

For every $1 of reported earnings, Axos Financial Inc generates $1.13 in operating cash flow ($490.3M OCF vs $432.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$65.8M

YoY+1.8%

5Y CAGR+19.7%

10Y CAGR-12.3%

Axos Financial Inc generated $65.8M in revenue in fiscal year 2025. This represents an increase of 1.8% from the prior year.

EBITDA

N/A

Net Income

$432.9M

YoY-3.8%

5Y CAGR+18.7%

10Y CAGR+18.0%

Axos Financial Inc reported $432.9M in net income in fiscal year 2025. This represents a decrease of 3.8% from the prior year.

EPS (Diluted)

$7.43

YoY-3.0%

5Y CAGR+20.0%

10Y CAGR+18.7%

Axos Financial Inc earned $7.43 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 3.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$436.1M

YoY+61.8%

5Y CAGR+9.9%

10Y CAGR+14.7%

Axos Financial Inc generated $436.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 61.8% from the prior year.

Cash & Debt

$1.9B

YoY-2.3%

5Y CAGR-0.2%

10Y CAGR+24.1%

Axos Financial Inc held $1.9B in cash against $312.7M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

56M

YoY-0.7%

5Y CAGR-1.1%

10Y CAGR-0.9%

Axos Financial Inc had 56M shares outstanding in fiscal year 2025. This represents a decrease of 0.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

658.0%

YoY-38.1pp

5Y CAGR-26.0pp

10Y CAGR+624.2pp

Axos Financial Inc's net profit margin was 658.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 38.1 percentage points from the prior year.

Return on Equity

16.2%

YoY-3.5pp

5Y CAGR+1.3pp

10Y CAGR+0.7pp

Axos Financial Inc's ROE was 16.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 3.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$58.2M

YoY-39.6%

5Y CAGR+8.4%

Axos Financial Inc spent $58.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 39.6% from the prior year.

Capital Expenditures

$54.2M

YoY+50.8%

5Y CAGR+34.5%

10Y CAGR+26.6%

Axos Financial Inc invested $54.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 50.8% from the prior year.

AX Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$65.8M+1.8%	$64.6M-1.0%	$65.3M+9.8%	$59.4M+89.7%	$31.3M+16.8%	$26.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$687.7M-0.9%	$694.2M+85.6%	$374.0M+611.5%	$52.6M-33.6%	$79.1M-45.5%	$145.2M
Income Tax	$180.5M-2.7%	$185.5M+48.9%	$124.6M+25.5%	$99.2M+10.2%	$90.0M+13.7%	$79.2M
Net Income	$432.9M-3.8%	$450.0M+46.5%	$307.2M+27.6%	$240.7M+11.6%	$215.7M+17.6%	$183.4M
EPS (Diluted)	$7.43-3.0%	$7.66+51.1%	$5.07+27.7%	$3.97+11.5%	$3.56+19.5%	$2.98

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$513.8M+10.3%	$465.7M	N/A	$432.7M-5.1%	$456.1M-5.8%	$484.3M	N/A	$443.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$182.1M+4.3%	$174.7M	N/A	$157.3M-10.6%	$176.0M-8.5%	$192.2M	N/A	$182.0M
Income Tax	$47.1M+25.5%	$37.5M	N/A	$42.9M-6.1%	$45.6M-2.6%	$46.9M	N/A	$44.8M
Net Income	$128.4M+14.3%	$112.4M	N/A	$105.2M+0.5%	$104.7M-6.8%	$112.3M	N/A	$110.7M
EPS (Diluted)	$2.22+14.4%	$1.94	N/A	$1.81+0.6%	$1.80-6.7%	$1.93	N/A	$1.91

AX Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$24.8B+8.4%	$22.9B+12.3%	$20.3B+16.9%	$17.4B+22.0%	$14.3B+3.0%	$13.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.9B-2.3%	$2.0B-11.3%	$2.2B+41.8%	$1.6B+51.7%	$1.0B-46.8%	$2.0B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$234.9M+6.6%	$220.2M-28.8%	$309.3M0.0%	$309.2M-5.2%	$326.2M+54.3%	$211.4M
Goodwill	$97.7M0.0%	$97.7M0.0%	$97.7M+2.1%	$95.7M+34.3%	$71.2M0.0%	$71.2M
Total Liabilities	$22.1B+7.5%	$20.6B+11.6%	$18.4B+17.0%	$15.8B+22.5%	$12.9B+1.9%	$12.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$312.7M-4.0%	$325.7M-10.0%	$361.8M-18.7%	$445.2M+101.1%	$221.4M-6.1%	$235.8M
Total Equity	$2.7B+17.0%	$2.3B+19.5%	$1.9B+16.7%	$1.6B+17.3%	$1.4B+13.8%	$1.2B
Retained Earnings	$2.6B+19.8%	$2.2B+25.9%	$1.7B+21.5%	$1.4B+20.3%	$1.2B+17.7%	$1.0B

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$28.2B+2.8%	$27.4B+10.7%	$24.8B+3.3%	$24.0B+1.1%	$23.7B+0.6%	$23.6B+3.1%	$22.9B+0.9%	$22.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.0B-60.6%	$2.6B+32.4%	$1.9B-3.4%	$2.0B-17.9%	$2.4B-5.2%	$2.6B+29.8%	$2.0B-7.0%	$2.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	$234.9M	N/A	N/A	N/A	$220.2M	N/A
Goodwill	$144.3M-4.8%	$151.5M+55.2%	$97.7M0.0%	$97.7M0.0%	$97.7M0.0%	$97.7M0.0%	$97.7M0.0%	$97.7M
Total Liabilities	$25.3B+2.6%	$24.6B+11.5%	$22.1B+3.4%	$21.4B+0.9%	$21.2B+0.1%	$21.2B+2.9%	$20.6B+0.6%	$20.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	$312.7M-17.2%	$377.4M+5.2%	$358.7M+14.4%	$313.5M-3.7%	$325.7M-1.4%	$330.4M
Total Equity	$2.9B+4.9%	$2.8B+4.2%	$2.7B+2.9%	$2.6B+3.2%	$2.5B+4.8%	$2.4B+5.0%	$2.3B+4.3%	$2.2B
Retained Earnings	$2.9B+4.7%	$2.7B+4.3%	$2.6B+4.4%	$2.5B+4.4%	$2.4B+4.6%	$2.3B+5.1%	$2.2B+5.0%	$2.1B

AX Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$490.3M+60.5%	$305.5M+55.3%	$196.7M-9.2%	$216.6M-47.5%	$412.6M+45.2%	$284.1M
Capital Expenditures	$54.2M+50.8%	$36.0M+19.0%	$30.2M+40.5%	$21.5M+106.0%	$10.4M-15.4%	$12.3M
Free Cash Flow	$436.1M+61.8%	$269.5M+61.9%	$166.5M-14.7%	$195.1M-51.5%	$402.1M+48.0%	$271.8M
Investing Cash Flow	-$1.8B+28.9%	-$2.6B-7.9%	-$2.4B+13.8%	-$2.8B-221.1%	-$866.8M+35.7%	-$1.3B
Financing Cash Flow	$1.3B-35.7%	$2.1B-30.6%	$3.0B-3.0%	$3.1B+776.8%	-$458.6M-121.3%	$2.2B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$58.2M-39.6%	$96.3M+96.7%	$49.0M	$0-100.0%	$16.8M-56.9%	$38.9M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$104.1M-12.1%	$118.4M-35.4%	$183.4M+148.8%	$73.7M-54.7%	$162.5M+129.6%	$70.8M+91.5%	$37.0M-68.1%	$115.8M
Capital Expenditures	$18.7M+104.3%	$9.1M-58.0%	$21.8M+154.8%	$8.6M+40.2%	$6.1M-65.7%	$17.8M+69.4%	$10.5M+24.2%	$8.4M
Free Cash Flow	$85.4M-21.8%	$109.3M-32.4%	$161.6M+148.1%	$65.1M-58.4%	$156.4M+195.0%	$53.0M+100.2%	$26.5M-75.3%	$107.3M
Investing Cash Flow	-$2.4B-130.7%	-$1.0B-21.7%	-$848.8M-25.3%	-$677.5M-151.7%	-$269.2M-491.2%	-$45.5M+89.3%	-$427.1M-1.6%	-$420.3M
Financing Cash Flow	$734.9M-54.8%	$1.6B+178.1%	$584.1M+210.5%	$188.1M+893.1%	-$23.7M-104.0%	$592.8M+157.7%	$230.0M-74.1%	$886.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	$32.3M+25.0%	$25.9M	$0	$0-100.0%	$13.1M+2103.0%	$595K

AX Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	658.0%-38.1pp	696.2%+225.5pp	470.7%+65.7pp	405.0%-283.4pp	688.4%+4.4pp	684.0%
Return on Equity	16.2%-3.5pp	19.7%+3.6pp	16.0%+1.4pp	14.6%-0.8pp	15.4%+0.5pp	14.9%
Return on Assets	1.8%-0.2pp	2.0%+0.5pp	1.5%+0.1pp	1.4%-0.1pp	1.5%+0.2pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.12-0.0	0.14-0.0	0.19-0.1	0.27+0.1	0.16-0.0	0.19
FCF Margin	662.9%+246.0pp	416.9%+161.8pp	255.1%-73.2pp	328.3%-955.1pp	1283.4%+269.9pp	1013.5%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.0%+0.9pp	24.1%	N/A	24.3%+1.4pp	22.9%-0.3pp	23.2%	N/A	25.0%
Return on Equity	4.4%+0.4pp	4.0%	N/A	4.0%-0.1pp	4.2%-0.5pp	4.7%	N/A	5.0%
Return on Assets	0.5%+0.0pp	0.4%	N/A	0.4%0.0pp	0.4%-0.0pp	0.5%	N/A	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.62-0.2	8.82+8.7	0.12-0.0	0.140.0	0.14+0.0	0.13-0.0	0.140.0	0.15
FCF Margin	16.6%-6.8pp	23.5%	N/A	15.0%-19.3pp	34.3%+23.4pp	10.9%	N/A	24.2%

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Frequently Asked Questions

What is Axos Financial Inc's annual revenue?

Axos Financial Inc (AX) reported $65.8M in total revenue for fiscal year 2025. This represents a 1.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Axos Financial Inc's revenue growing?

Axos Financial Inc (AX) revenue grew by 1.8% year-over-year, from $64.6M to $65.8M in fiscal year 2025.

Is Axos Financial Inc profitable?

Yes, Axos Financial Inc (AX) reported a net income of $432.9M in fiscal year 2025, with a net profit margin of 658.0%.

How much debt does Axos Financial Inc have?

As of fiscal year 2025, Axos Financial Inc (AX) had $1.9B in cash and equivalents against $312.7M in long-term debt.

What is Axos Financial Inc's net profit margin?

Axos Financial Inc (AX) had a net profit margin of 658.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Axos Financial Inc's return on equity (ROE)?

Axos Financial Inc (AX) has a return on equity of 16.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Axos Financial Inc's free cash flow?

Axos Financial Inc (AX) generated $436.1M in free cash flow during fiscal year 2025. This represents a 61.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Axos Financial Inc's operating cash flow?

Axos Financial Inc (AX) generated $490.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Axos Financial Inc's total assets?

Axos Financial Inc (AX) had $24.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Axos Financial Inc's capital expenditures?

Axos Financial Inc (AX) invested $54.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Axos Financial Inc buy back shares?

Yes, Axos Financial Inc (AX) spent $58.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Axos Financial Inc have outstanding?

Axos Financial Inc (AX) had 56M shares outstanding as of fiscal year 2025.

What is Axos Financial Inc's debt-to-equity ratio?

Axos Financial Inc (AX) had a debt-to-equity ratio of 0.12 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Axos Financial Inc's return on assets (ROA)?

Axos Financial Inc (AX) had a return on assets of 1.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Axos Financial Inc's Piotroski F-Score?

Axos Financial Inc (AX) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Axos Financial Inc's earnings high quality?

Axos Financial Inc (AX) has an earnings quality ratio of 1.13x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Axos Financial Inc?

Axos Financial Inc (AX) scores 71 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.