Axos Financial, Inc. (AX)

Axos Financial Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	1,672	1,680	1,522	1,068	647.14	604.88
Interest Income on Investments	124.81	135.19	133.63	89.61	12.59	12.99
Total Interest Income	1,797	1,815	1,656	1,157	659.73	617.86
Interest Paid on Deposits	649.85	667.75	670.57	339.48	33.62	60.53
Interest Paid on Borrowings	20.32	19.94	23.61	34.54	18.95	18.59
Total Interest Expense	670.17	687.69	694.18	374.02	52.57	79.12
Net Interest Income	1,127	1,128	961.43	783.12	607.16	538.74
Net Interest Income Growth (YoY)	8.10%	17.30%	22.77%	28.98%	12.70%	12.80%
Mortgage Banking Activities	13.95	13.01	10	7.1	19.2	42.64
Other Non-Interest Income	120.85	118.06	120.26	113.39	94.17	62.62
Total Non-Interest Income	134.8	131.07	130.26	120.49	113.36	105.26
Non-Interest Income Growth (YoY)	8.39%	0.62%	8.11%	6.29%	7.70%	2.21%
Revenues Before Loan Losses	1,262	1,259	1,092	903.61	720.52	644
Provision for Loan Losses	59	55.75	32.5	24.25	23.75	23.75
Revenue	1,203	1,203	1,059	879.36	696.77	620.25
Revenue Growth (YoY)	6.69%	13.59%	20.45%	26.21%	12.34%	15.20%
Salaries and Employee Benefits	257.71	255.98	215.68	178.17	146.15	131.89
Occupancy Expenses	36.62	35.42	31.39	27.63	27.54	26.93
Federal Deposit Insurance	27.22	27.56	20.55	15.53	11.82	10.6
Selling, General & Administrative	259.97	253.67	230.23	212.84	145.14	133.94
Other Non-Interest Expense	16.96	17.07	18.26	13.43	15.18	11.15
Total Non-Interest Expense	598.48	589.7	516.11	447.62	345.84	314.51
EBT Excluding Unusual Items	604.09	613.4	543.08	431.74	350.93	305.74
Other Unusual Items	-	-	92.4	-	-10.98	-
Pretax Income	604.09	613.4	635.48	431.74	339.96	305.74
Income Tax Expense	171.17	180.49	185.47	124.58	99.24	90.04
Net Income	432.92	432.91	450.01	307.17	240.72	215.71
Preferred Dividends & Other Adjustments	-	-	-	-	-	0.19
Net Income to Common	432.92	432.91	450.01	307.17	240.72	215.52
Net Income Growth	-9.75%	-3.80%	46.50%	27.61%	11.59%	17.59%
Basic Shares Outstanding	57	57	58	60	60	59
Diluted Shares Outstanding	58	58	59	61	61	61
Shares Change (YoY)	-0.29%	-0.83%	-3.04%	-0.07%	0.15%	-1.49%
EPS (Basic)	7.63	7.61	7.82	5.15	4.04	3.64
EPS (Diluted)	7.44	7.43	7.66	5.07	3.97	3.56
EPS Growth	-9.54%	-3.00%	51.09%	27.71%	11.52%	19.46%
Effective Tax Rate	28.34%	29.42%	29.19%	28.85%	29.19%	29.45%

Updated Oct 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q