MARKETS / NYSE / Financials / Banks / AX

NYSE · SAVINGS INSTITUTION, FEDERALLY CHARTERED · LARGE CAP

Axos Financial, Inc. AX

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Net income

$490.4M

▲ 13.3% YoY

Free cash flow

$291.1M

▼ 33.2% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

The Company is a technology-driven, diversified financial services company with approximately $24.8 billion in assets and approximately $39.4 billion of assets under custody and/or administration at Axos Clearing LLC. Axos Bank provides consumer and commercial banking products and services through its digital online and mobile banking platforms, low-cost distribution channels and affinity partners. It offers securities products and services to independent registered investment advisors and introducing broker dealers through Axos Clearing and Axos Advisor Services, and direct-to-consumer securities trading and digital investment management products through Axos Invest, Inc. The company conducts business primarily through two operating segments: the Banking Business Segment and the Securities Business Segment. At June 30, 2025, it had 1,989 full-time employees, which does not include seasonal interns. Its common stock is listed on the New York Stock Exchange under the ticker symbol “AX” and is a component of the Russell 2000 Index and the S&P SmallCap 600 Index, among other indices.

Written from the business description in Axos Financial, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 21 August 2025. Every sentence was checked against that document before publication.

Growth

Revenue, FY2025 · full 17-year series below

Compound annual growth

Net income

+16.9%

+17.9%

+15.2%

+23.5%

EPS, diluted

+18.7%

+19.0%

+16.3%

Returned to shareholders

−23.4%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 16.8%

10%20%

200920172025

Three returns, three denominators.

Return on equity16.8%

Return on assets1.8%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDAUSD 676.4M

Each USD of equity produced 17 cents of profit this year.

Cash & shareholders

USD 22.0M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 291.1

200.0M400.0M-25.0M-50.0M

200920172025

Net buybacks $M Dividends $M

FY2025 · Dividends · · Net buybacks 22.0

40M80M-10M-20M

201520172019202120232025

Dividends paid·

Net buybacksUSD 22.0M

Share of profit4.5%

Consecutive raises·

USD 22.0M in buybacks — 4% of the year's profit went back to shareholders.

Total assetsUSD 30.0B

EquityUSD 3.2B

CashUSD 1.1B

Gross debtUSD 342.9M

Net debtUSD -765.7M

DepositsUSD 24.6B

The company holds more cash than debt.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data

AX, 17-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	0.6	0.6	0.6	0.4	0.3	0.3	0.3	0.2	0.2	0.2	0.2	0.1	0.1	0.1	0.0	0.0	0.0
EBITDA $B	0.7	0.6	0.7	0.4	0.4	0.3	0.3	0.2	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.0	0.0
Income tax $B	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.0
Net income $B	0.5	0.4	0.5	0.3	0.2	0.2	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.0	0.0	0.0	0.0
Free cash flow $B	0.3	0.4	0.3	0.2	0.2	0.4	0.3	0.2	0.2	0.2	0.2	0.1	0.0	0.0	−0.1	0.0	−0.0
EPS, diluted $	8.48	7.43	7.66	5.07	3.97	3.56	2.98	2.48	2.37	2.10	1.87	1.34	0.96	2.89	2.33	1.87	2.22
Dividend / sh $	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Payout % — not applicable: no dividend	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
ROE %	16.8	17.4	21.4	17.3	15.8	16.4	15.9	15.3	17.0	17.8	19.6	18.3	17.5	17.0	16.6	14.8	16.3
Shares out B	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.02	0.01	0.01	0.01	0.01	0.01

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures · 3 divergences in 50 reconciliationsAUDITED

Reconciled in 14 of the 17 fiscal years we could check. 3 of those reconciliations are divergences — the figures exist but don't fit the formula this check expects; that isn't the same as an error. Three checks were skipped: the balance sheet is not tagged before 2010. Two checks were skipped: EPS is not tagged before 2009.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures3 divergent

ActivitySavings Institution, Federally Chartered

Listed onNYSE

Incorporated inDelaware

Fiscal year endsJune 30

Data on record since2009