Axos Financial, Inc. (AX) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2026, Axos Financial reported revenue of $1.48B, up 17.6% from $1.26B the year before. Net income was $490.4M (a 33.1% net margin), or $8.48 per diluted share. Net interest income was $1.25B, and the efficiency ratio (noninterest expense / revenue) was 49.5%. Operating activities generated $557.6M of cash, leaving $291.1M of free cash flow. At fiscal year end, Axos Financial held $29.96B in total assets against $26.80B in total liabilities, including $1.11B of cash and equivalents.
Open the full interactive Axos Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Axos Financial Key Stats
| Share Price | $88.37 |
|---|---|
| Market Cap | $5.01B |
| P/E Ratio | 10.4 |
| Revenue YoY Growth | +17.6% |
| 52-Week Range | $75.60 – $105.10 |
| Shares Outstanding | 56.7 million (basic, 2026 Q4) |
Axos Financial Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $538.7M | $607.2M | $783.1M | $961.4M | $1.13B | $1.25B |
| Provision for Credit Losses | $23.8M | $18.5M | $24.8M | $32.5M | $55.7M | $101.1M |
| Noninterest Income | $105.3M | $113.4M | $120.5M | $222.7M | $131.1M | $233.6M |
| Noninterest Expense | $314.5M | $362.1M | $447.1M | $516.1M | $589.7M | $732.7M |
| Revenue | $644.0M | $720.5M | $903.6M | $1.18B | $1.26B | $1.48B |
| Pre-Tax Income | $305.7M | $340.0M | $431.7M | $635.5M | $613.4M | $646.7M |
| Income Tax | $90.0M | $99.2M | $124.6M | $185.5M | $180.5M | $156.3M |
| Net Income | $215.7M | $240.7M | $307.2M | $450.0M | $432.9M | $490.4M |
| Diluted EPS | $3.56 | $3.97 | $5.07 | $7.66 | $7.43 | $8.48 |
Axos Financial Quarterly Results
| 2026 Q1 | 2026 Q2 | 2026 Q3 | 2026 Q4 | |
|---|---|---|---|---|
| Revenue | $323.4M | $385.1M | $392.2M | $379.8M |
| Net Income | $112.4M | $128.4M | $124.7M | $124.9M |
| Diluted EPS | $1.94 | $2.22 | $2.15 | $2.21 |
Axos Financial Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | — | — | $2.38B | $1.98B | $1.93B | $1.11B |
| Loans (Net) | — | — | $16.46B | $19.23B | $21.05B | $25.60B |
| Total Assets | $14.27B | $17.40B | $20.35B | $22.86B | $24.78B | $29.96B |
| Deposits | $10.82B | $13.95B | $17.12B | $19.36B | $20.83B | $24.57B |
| Total Long-Term Debt | $221.4M | $445.2M | $361.8M | $325.7M | $312.7M | $342.9M |
| Total Liabilities | $12.86B | $15.76B | $18.43B | $20.56B | $22.10B | $26.80B |
| Shareholders' Equity | $1.40B | $1.64B | $1.92B | $2.29B | $2.68B | $3.17B |
Axos Financial Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $412.6M | $210.3M | $188.0M | $305.5M | $490.3M | $557.6M |
| Cash From Investing | -$866.8M | -$2.78B | -$2.39B | -$2.59B | -$1.84B | -$5.04B |
| Cash From Financing | -$458.6M | $3.10B | $3.01B | $2.09B | $1.34B | $3.61B |
| Free Cash Flow | $402.1M | $188.8M | $157.7M | $269.5M | $436.1M | $291.1M |
Figures from Axos Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Axos Financial financials page for every line item.
Axos Financial Company Profile
| Ticker | AX |
|---|---|
| Exchange | NYSE |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Las Vegas, Nevada |
| Incorporated in | Delaware |
| Fiscal Year End | June 30 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001299709 |
Frequently Asked Questions
What was Axos Financial's revenue in fiscal 2026?
Axos Financial (AX) reported revenue of $1.48B for fiscal 2026.
What is Axos Financial's annual revenue history?
Axos Financial's annual revenue by fiscal year: 2021: $644.0M; 2022: $720.5M; 2023: $903.6M; 2024: $1.18B; 2025: $1.26B; 2026: $1.48B.
What was Axos Financial's net income in fiscal 2026?
Axos Financial reported net income of $490.4M for fiscal 2026.
What was Axos Financial's earnings per share (EPS) in fiscal 2026?
Axos Financial's diluted EPS was $8.48 for fiscal 2026 (adjusted for any later stock splits).
How much free cash flow did Axos Financial generate in fiscal 2026?
Axos Financial generated $291.1M of free cash flow in fiscal 2026.
What was Axos Financial's revenue last quarter?
In its most recent reported quarter (2026 Q4), Axos Financial reported revenue of $379.8M.
How much debt does Axos Financial have?
Axos Financial reported $342.9M of long-term debt, including the current portion, at the end of fiscal 2026.
How many shares of Axos Financial are outstanding?
Axos Financial reported a weighted average of 56.7 million basic shares outstanding in 2026 Q4.
What is Axos Financial's market cap?
Based on its latest closing price, Axos Financial (AX) has a market capitalization of about $5.01B.
When does Axos Financial's fiscal year end?
Axos Financial's fiscal year end, as registered with the SEC, is June 30.
Where is Axos Financial headquartered?
Axos Financial lists its business address in Las Vegas, Nevada in its SEC filings.
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