Axos Financial, Inc.

Insider Sentiment (TTM):

Last Purchase:2025-03-04Last Sale:2026-06-08Shares Purchased (TTM):0Shares Sold (TTM):90,031

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:46,608,609Shares Outstanding:56,724,054Institutional Ownership Pct.:82.17%

Earnings Market Reaction:

Filing Date:2026-04-30Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Savings Institution, Federally Chartered

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Axos Financial, Inc. (AX) — SEC Financial Statements & Analysis

Axos Financial, Inc. (AX) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Cash And Due From Banks	-	-	-	-	-	-	-	-	-	1,569	2,162	2,233
Cash And Securities Segregated Under Federal And O…	-	-	-	-	-	-	-	-	-	195	252	149
Cash And Cash Equivalents At Carrying Value	1,168	1,341	2,886	2,176	2,258	2,673	2,571	2,186	2,346	1,764	2,414	2,382
Debt Securities Trading A…
Restricted Cash And Cash Equivalents	183	330	325	243	256	235	233	206	216	-	-	149
Trading Securities	0	1	1	1	0	0	1	0	1	0	1	1
Debt Securities Available For Sale Excluding Accru…	801	811	58	66	80	98	138	142	208	240	237	232
Federal Home Loan Bank Stock	68	35	35	35	35	34	34	22	22	22	22	22
Assets
Assets	29,249	28,201	27,432	24,783	23,981	23,709	23,569	22,855	22,642	21,624	20,825	20,348
Loans Receivable Held For Sale Amount	24	19	12	10	16	25	15	16	16	13	8	23
Financing Receivable Excluding Accrued Interest Af…	24,958	24,273	22,635	21,050	20,194	19,487	19,281	19,231	18,733	18,264	16,955	16,457
Servicing Asset	26	25	26	27	28	28	27	29	28	28	29	25
Securities Borrowed	133	109	183	139	92	115	84	67	106	145	96	134
Intangible Assets Net Including Goodwill	211	196	206	135	136	138	139	142	144	147	150	152
Other Assets	1,342	1,114	1,128	891	842	812	783	780	745	735	629	545
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities	3,390	3,246	3,387	3,041	2,970	2,990	3,056	2,976	2,759	2,834	2,875	2,898
Deposits
Deposits	22,388	23,233	22,265	20,830	20,137	19,935	19,973	19,359	19,104	18,204	17,566	17,123
Interest Bearing Deposit Liabilities	18,999	19,987	18,877	17,789	17,167	16,945	16,918	16,384	16,345	15,370	14,690	14,225
Advances From Federal Home Loan Banks	1,805	60	60	60	60	60	90	90	90	90	90	90
Long Term Debt	-	-	-	313	377	359	314	326	330	341	448	362
Secured Debt	634	692	782	-	-	-	-	-	-	-	-	-
Subordinated Debt	378	365	510	-	-	-	-	-	-	-	-	-
Securities Loaned	149	129	205	139	111	135	96	74	120	155	116	160
Accounts Payable And Other Accrued Liabilities	491	435	431	410	378	389	375	415	415	386	287	251
Liabilities	26,184	25,271	24,639	22,102	21,377	21,187	21,163	20,565	20,446	19,546	18,849	18,431
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital	583	567	558	549	540	529	521	510	502	493	487	480
Stockholders Equity
Accumulated Other Comprehensive Income Loss Net Of…	4	2	0	0	1	3	-1	-2	-3	-4	-6	-7
Stockholders Equity	3,065	2,930	2,793	2,681	2,604	2,522	2,406	2,291	2,196	2,078	1,976	1,917
Retained Earnings Accumulated Deficit	2,984	2,859	2,731	2,619	2,508	2,403	2,298	2,186	2,081	1,970	1,818	1,736
Treasury Stock Common Value	-507	-499	-496	-488	-446	-413	-413	-403	-385	-382	-323	-292
Liabilities And Stockholders Equity	29,249	28,201	27,432	24,783	23,981	23,709	23,569	22,855	22,642	21,624	20,825	20,348
Financing Receivable Allowance For Credit Loss Exc…	347	327	307	290	280	271	264	261	258	252	171	167
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	150	150	150	150	150	150	150	150	150	150	150	150
Common Stock Shares Issued	72	71	71	71	71	71	71	70	70	70	70	69
Shares Outstanding	57	57	57	56	57	57	57	57	57	57	59	59
Treasury Stock Common Shares	15	15	15	15	14	13	13	13	13	13	11	11

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.19%	10.33%	19.07%	2.83%	-12.37%	3.51%	-10.75%	-8.68%	-	-	-	-
2025	27.33%	7.88%	8.38%	-8.55%	-11.31%	-16.84%	9.61%	13.48%	34.74%	6.62%	-7.29%	-5.67%
2024	4.12%	39.92%	40.02%	-8.31%	-7.98%	-11.41%	12.80%	6.03%	40.03%	-2.00%	-0.56%	25.01%
2023	-	-	-	-	-	-	-	-	-	-10.46%	-16.14%	-7.86%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	1.94	1.93	1.90	1.89	1.84	1.82	1.92	1.92	1.94	2.00	1.97	2.15
Per Share Metrics
Diluted EPS TTM	8.39	8.06	7.66	7.61	7.49	7.58	8.43	7.82	7.60	7.02	5.62	5.15
Free Cash Flow Per Share TTM	4.50	7.44	8.71	7.67	5.28	6.01	5.18	4.69	5.44	2.43	2.23	2.79
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	63.63%	63.53%	62.71%	62.12%	60.65%	59.53%	58.69%	58.07%	58.45%	59.65%	62.73%	67.68%
Operating Profit Margin TTM	34.02%	33.93%	33.62%	33.79%	32.96%	33.17%	38.09%	38.38%	39.27%	40.16%	36.00%	37.31%
Net Profit Margin TTM	25.05%	24.62%	24.09%	23.85%	23.38%	23.55%	27.01%	27.18%	27.93%	28.44%	25.55%	26.55%
Growth Metrics
Net Revenue Growth (1Y)	4.04%	0.95%	1.18%	9.66%	17.94%	30.09%	36.89%	43.08%	55.66%	66.61%	78.89%	75.40%
Net Income Growth (1Y)	11.47%	5.55%	-9.75%	-3.80%	-1.25%	7.72%	44.75%	46.50%	55.74%	54.66%	38.71%	27.60%
EPS Growth (1Y)	12.07%	6.36%	-9.08%	-2.71%	-1.41%	7.95%	49.87%	52.06%	63.94%	62.18%	40.84%	27.25%
Valuation Metrics
P/E TTM	10.14	10.69	11.05	9.99	8.62	9.22	7.46	7.30	7.11	7.78	6.73	7.66
P/B	1.57	1.67	1.71	1.61	1.41	1.58	1.49	1.43	1.40	1.50	1.13	1.23
P/S TTM	2.54	2.63	2.66	2.38	2.01	2.17	2.02	1.99	1.99	2.21	1.72	2.03
Market Cap	4.83B	4.88B	4.78B	4.32B	3.68B	3.99B	3.58B	3.29B	3.08B	3.12B	2.23B	2.35B
Enterprise Value	3.48B	3.54B	1.90B	2.46B	1.80B	1.67B	1.09B	1.43B	1.06B	1.70B	265.77M	333.93M
Calculated Values
Free Cash Flow TTM	255.02M	421.39M	492.38M	436.12M	301.04M	343.24M	294.84M	269.52M	309.98M	139.10M	131.29M	166.49M
Net Debt	-1.35B	-1.34B	-2.89B	-1.86B	-1.88B	-2.31B	-2.49B	-1.86B	-2.02B	-1.42B	-1.97B	-2.02B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-08Sale

Owner: Constantine, Thomas M

Title: -

Shares: 1,994

Price/Share: $88.55

Value: $176,568.70

Shares Owned: 16,195

Relationship: Other

Ownership: Direct

2026-05-19Sale

Owner: Watson, Michael James

Title: -

Shares: 1,653

Price/Share: $83.77

Value: $138,471.81

Shares Owned: 4,592

Relationship: Other

Ownership: Direct

2026-05-08Sale

Owner: Santi, Roque A

Title: -

Shares: 500

Price/Share: $87.77

Value: $43,885.00

Shares Owned: 7,646

Relationship: Director

Ownership: Direct

2026-02-17Sale

Owner: Nick, Mosich

Title: -

Shares: 1,275

Price/Share: $98.00

Value: $124,950.00

Shares Owned: 79,942

Relationship: Director

Ownership: Direct

2026-02-11Sale

Owner: Nick, Mosich

Title: -

Shares: 1,000

Price/Share: $97.00

Value: $97,000.00

Shares Owned: 81,217

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-08	Constantine, Thomas M	Other	-	Direct	Sale	1,994	88.55	$176,568.70	16,195	4
2026-05-19	Watson, Michael James	Other	-	Direct	Sale	1,653	83.77	$138,471.81	4,592	4
2026-05-08	Santi, Roque A	Director	-	Direct	Sale	500	87.77	$43,885.00	7,646	4
2026-02-17	Nick, Mosich	Director	-	Direct	Sale	1,275	98.00	$124,950.00	79,942	4
2026-02-11	Nick, Mosich	Director	-	Direct	Sale	1,000	97.00	$97,000.00	81,217	4
2026-02-06	Walsh, Derrick	Officer	EVP, Chief Financial Officer	Direct	Sale	4,846	101.21	$490,463.66	37,936	4
2026-02-06	Court, James John	Director	-	Direct	Sale	11,163	101.01	$1,127,574.63	32,169	4
2026-02-06	Constantine, Thomas M	Other	-	Direct	Sale	3,260	100.00	$326,000.00	16,077	4
2026-02-04	Garrabrants, Gregory	Director,Officer	President and CEO	Direct	Sale	43,294	99.10	$4,290,435.40	1,418,751	4
2025-12-08	Bohlig, Tamara N	Director	-	Direct	Sale	2,145	86.23	$184,963.35	12,919	4
2025-12-05	Ratinoff, Edward James	Director	-	Direct	Sale	2,145	84.59	$181,445.55	46,209	4
2025-09-10	Constantine, Thomas M	Other	-	Direct	Sale	1,476	92.00	$135,792.00	17,020	4
2025-09-03	Nick, Mosich	Director	-	Direct	Sale	620	90.50	$56,110.00	79,495	4
2025-09-03	Thiele, Candace L	Other	-	Direct	Sale	700	90.14	$63,098.00	23	4
2025-08-04	Micheletti, Andrew J	Officer	EVP, Finance	Direct	Sale	13,960	85.38	$1,191,904.80	67,460	4
2025-05-14	Constantine, Thomas M	Other	-	Direct	Sale	1,717	72.81	$125,014.77	18,496	4
2025-05-05	Grinberg, Paul	Director	-	Direct	Sale	30,000	68.09	$2,042,700.00	113,295	4
2025-03-04	Wardell-Smith, Sara	Director	-	Direct	Purchase	3,000	64.73	$194,190.00	10,250	4
2024-11-26	Park, David X	Other	-	Direct	Sale	1,427	85.25	$121,651.75	14,849	4
2024-11-20	Nick, Mosich	Director	-	Direct	Sale	2,862	80.25	$229,675.50	84,495	4
2024-11-15	Nick, Mosich	Director	-	Direct	Sale	5,102	80.00	$408,160.00	87,357	4
2024-11-15	Ratinoff, Edward James	Director	-	Direct	Sale	4,002	79.41	$317,798.82	46,209	4
2024-11-06	Garrabrants, Gregory	Director,Officer	President and CEO	Direct	Sale	125,000	81.61	$10,201,250.00	1,340,377	4
2024-11-06	Constantine, Thomas M	Other	-	Direct	Sale	4,555	78.76	$358,751.80	17,938	4
2024-11-05	Court, James John	Director	-	Direct	Sale	16,887	67.29	$1,136,326.23	40,970	4
2024-09-10	Micheletti, Andrew J	Officer	EVP, Finance	Direct	Sale	1,000	62.35	$62,350.00	423,149	4
2024-03-15	Wardell-Smith, Sara	Director	-	Direct	Purchase	5,000	49.75	$248,750.00	5,000	4
2024-03-13	Micheletti, Andrew J	Officer	EVP, Finance	Indirect	Sale	13,000	51.16	$665,080.00	39,000	4
2024-03-11	Micheletti, Andrew J	Officer	EVP, Finance	Indirect	Sale	13,668	51.17	$699,391.56	52,000	4
2024-02-27	Micheletti, Andrew J	Officer	EVP, Finance	Direct	Sale	2,500	52.89	$132,225.00	422,583	4
2024-02-14	Bohlig, Tamara N	Director	-	Direct	Sale	2,000	53.61	$107,220.00	8,917	4
2024-02-07	Micheletti, Andrew J	Officer	EVP, Finance	Direct	Sale	2,452	49.53	$121,447.56	425,083	4
2023-12-14	Micheletti, Andrew J	Officer	EVP, Finance	Direct	Sale	5,000	53.96	$269,800.00	508,083	4
2023-12-12	Ratinoff, Edward James	Director	-	Direct	Sale	3,000	48.86	$146,580.00	46,209	4
2023-09-14	Micheletti, Andrew J	Officer	EVP, Finance	Direct	Sale	5,000	42.62	$213,100.00	513,083	4
2023-08-04	Garrabrants, Gregory	Director,Officer	President and CEO	Direct	Sale	48,356	45.60	$2,205,033.60	1,387,623	4
2023-08-03	Garrabrants, Gregory	Director,Officer	President and CEO	Direct	Sale	85,312	45.36	$3,869,752.32	1,435,979	4
2023-06-13	Micheletti, Andrew J	Officer	EVP, Finance	Direct	Sale	6,000	41.29	$247,740.00	503,689	4
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Institutional Ownership

No data available for chart

2026-03-31

82.17%

Inst. Shares: 46,608,609

Shares Outstanding: 56,724,054

2025-12-31

79.13%

Inst. Shares: 44,837,005

Shares Outstanding: 56,660,833

2025-09-30

77.75%

Inst. Shares: 43,941,187

Shares Outstanding: 56,512,587

2025-06-30

76.46%

Inst. Shares: 43,476,510

Shares Outstanding: 56,862,630

2025-03-31

77.02%

Inst. Shares: 43,925,695

Shares Outstanding: 57,029,078

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	46,608,609	56,724,054	82.17%
2025-12-31	44,837,005	56,660,833	79.13%
2025-09-30	43,941,187	56,512,587	77.75%
2025-06-30	43,476,510	56,862,630	76.46%
2025-03-31	43,925,695	57,029,078	77.02%
2024-12-31	45,528,898	57,094,153	79.74%
2024-09-30	45,860,166	56,934,671	80.55%
2024-06-30	46,027,495	57,509,029	80.04%
2024-03-31	45,324,954	56,932,050	79.61%
2023-12-31	45,705,739	57,216,621	79.88%
2023-09-30	44,116,762	58,949,038	74.84%
2023-06-30	44,633,471	59,691,541	74.77%
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Axos Financial, Inc. (AX) — SEC Financial Statements & Analysis

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