AX · Axos Financial, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $22.27M | $23.20M | $8.34M | $7.03M | $6.85M | $7.45M | $6.49M | $7.22M | $5.88M | $5.96M |
| Operating Income | $165.30M | $175.51M | $149.89M | $150.33M | $148.08M | $159.19M | $217.40M | $155.54M | $118.16M | $117.21M |
| Interest Expense | $171.98M | $182.14M | $174.69M | $175.97M | $157.26M | $192.21M | $166.06M | $181.96M | $152.80M | $79.68M |
| Income Tax | $40.62M | $47.12M | $37.54M | $45.64M | $42.87M | $46.85M | $65.63M | $44.82M | $35.51M | $35.66M |
| Net Income | $124.68M | $128.40M | $112.35M | $104.69M | $105.21M | $112.34M | $151.77M | $110.72M | $82.64M | $81.55M |
| EPS - Basic | $2.20 | $2.27 | $1.99 | $1.83 | $1.84 | $1.97 | $2.65 | $1.94 | $1.40 | $1.36 |
| EPS - Diluted | $2.15 | $2.22 | $1.94 | $1.80 | $1.81 | $1.93 | $2.62 | $1.91 | $1.38 | $1.35 |
Balance Sheet
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.17B | $1.01B | $2.56B | $1.93B | $2.00B | $2.57B | $1.98B | $2.13B | $2.41B | $2.38B |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $29.25B | $28.20B | $27.43B | $24.78B | $23.98B | $23.57B | $22.86B | $22.64B | $20.83B | $20.35B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | $312.67M | $377.43M | $313.52M | $325.68M | $330.39M | $447.73M | $361.78M |
| Total Liabilities | $26.18B | $25.27B | $24.64B | $22.10B | $21.38B | $21.16B | $20.56B | $20.45B | $18.85B | $18.43B |
| Stockholders' Equity | $3.07B | $2.93B | $2.79B | $2.68B | $2.60B | $2.41B | $2.29B | $2.20B | $1.98B | $1.92B |
| Retained Earnings | $2.98B | $2.86B | $2.73B | $2.62B | $2.51B | $2.30B | $2.19B | $2.08B | $1.82B | $1.74B |
Cash Flow
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | $118.43M | - | - | $70.79M | - | - | $33.87M | - |
| Investing Cash Flow | - | - | ($1.03B) | - | - | ($45.54M) | - | - | ($505.96M) | - |
| Financing Cash Flow | - | - | $1.62B | - | - | $592.83M | - | - | $503.78M | - |
| CapEx | - | - | $9.15M | - | - | $17.77M | - | - | $6.49M | - |
| Free Cash Flow | - | - | $109.28M | - | - | $53.02M | - | - | $27.38M | - |
Ratios
| Metric | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | 0.97 | - | - | 0.47 | - | - | 0.33 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 24.6% | 26.8% | 25.0% | 30.4% | 29.0% | 29.4% | 30.2% | 28.8% | 30.1% | 30.4% |
| Return on assets | 0.4% | 0.5% | 0.4% | 0.4% | 0.4% | 0.5% | 0.7% | 0.5% | 0.4% | 0.4% |
| Return on equity | 4.1% | 4.4% | 4.0% | 3.9% | 4.0% | 4.7% | 6.6% | 5.0% | 4.2% | 4.3% |
| Return on invested capital | - | - | - | 3.5% | 3.5% | 4.1% | 5.8% | 4.4% | 3.4% | 3.6% |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | 0.12 | 0.14 | 0.13 | 0.14 | 0.15 | 0.23 | 0.19 |
| Debt / Assets | - | - | - | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 |
| Debt / EBITDA | - | - | - | 1.99 | 2.44 | 1.88 | 1.45 | 2.03 | 3.61 | 2.94 |
| Interest coverage | 1.0x | 1.0x | 0.9x | 0.9x | 0.9x | 0.8x | 1.3x | 0.9x | 0.8x | 1.5x |
| Equity multiplier | 9.54 | 9.62 | 9.82 | 9.25 | 9.21 | 9.80 | 9.98 | 10.31 | 10.54 | 10.61 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 39.6x | 38.8x | 43.6x | 42.2x | 35.6x | 32.6x | 21.8x | 28.3x | 27.4x | 29.2x |
| P / B | 1.6x | 1.7x | 1.7x | 1.6x | 1.4x | 1.5x | 1.4x | 1.4x | 1.1x | 1.2x |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 19.5x | 19.5x | 14.0x | 17.3x | 13.3x | 7.9x | 7.2x | 7.8x | 2.1x | 2.8x |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 11.6% | 16.8% | -5.8% | -30.8% | -4.8% | 34.7% | 85.5% | 35.6% | 42.6% | - |
| Net income growth (YoY) | 18.5% | 22.6% | 0.0% | -31.0% | -5.0% | 35.9% | 86.1% | 38.7% | 41.5% | - |
| EPS growth (YoY) | 18.8% | 23.3% | 0.5% | -31.3% | -5.2% | 39.9% | 94.1% | 44.7% | 42.3% | - |
| EPS CAGR (3y) | 17.7% | 18.0% | 26.0% | - | - | 24.5% | 42.3% | 29.0% | 16.2% | 26.3% |
| EPS CAGR (5y) | 19.3% | 19.5% | 17.1% | 21.9% | 14.7% | 23.9% | 33.4% | 24.8% | 18.9% | 22.5% |
| FCF growth (YoY) | - | - | 106.1% | - | - | 93.7% | - | - | -56.5% | - |
| FCF CAGR (5y) | - | - | 11.1% | - | - | 23.8% | - | - | -7.5% | - |
| Book value growth (YoY) | 17.7% | 9.3% | 16.1% | 17.0% | 18.6% | 21.7% | 19.5% | 19.1% | 16.2% | 16.7% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-06-30.
Product / service
$65.79M totalAdvisory Fee Income$31.79M · 48.3%
Broker Dealer Clearing Fees$22.23M · 33.8%
Deposit Service Fees$5.43M · 8.3%
Technology And Service Fees$3.46M · 5.3%
Card Fees$2.87M · 4.4%
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing Axos Financial against the 5 most active filers in the same SIC group.