Axos Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	456.63	432.91	450.01	307.17	240.72	215.71
Depreciation & Amortization	-64.35	-79.06	-31.19	21.77	28.53	28.88
Provision for Credit Losses	71.75	55.75	32.5	24.25	23.75	23.75
Net Decrease (Increase) in Loans Originated / Sold - Operating	-15.84	-4.64	12.2	-11.52	33.04	62.82
Change in Accounts Payable	10.12	31.02	20.43	-0.37	34.7	-0.82
Change in Other Net Operating Assets	-107.01	-1.12	1.48	-78.57	-113.95	-80.69
Other Operating Activities	45.32	-26.38	30.24	-17.95	-11.4	-4.39
Operating Cash Flow	430.44	440.85	449.83	262.88	240.39	224.77
Operating Cash Flow Growth	-3.34%	-1.99%	71.11%	9.36%	6.95%	28.36%
Capital Expenditures	-58.18	-54.21	-35.96	-30.22	-21.5	-10.44
Cash Acquisitions	-474.45	-	-	-5.53	-54.6	-
Investment in Securities	-726.76	58.64	84.24	16.29	-18.3	-47.67
Net Decrease (Increase) in Loans Originated / Sold - Investing	-3,687	-1,735	-2,644	-2,387	-2,697	-810.86
Other Investing Activities	2.09	-110.16	6.75	7.23	8.75	2.2
Investing Cash Flow	-4,944	-1,841	-2,589	-2,399	-2,783	-866.77
Long-Term Debt Issued	-	-	-	-	225.3	370.7
Long-Term Debt Repaid	-	-43.17	-36.14	-111.8	-236	-272.95
Net Debt Issued (Repaid)	-76.79	-43.17	-36.14	-111.8	-10.7	97.75
Repurchase of Common Stock	-86.87	-85.84	-112.48	-55.11	-14.48	-27.41
Preferred Share Repurchases	-	-	-	-	-	-5.15
Preferred Dividends Paid	-	-	-	-	-	-0.1
Total Dividends Paid	-	-	-	-	-	-0.1
Net Increase (Decrease) in Deposit Accounts	3,347	1,520	2,092	3,111	3,107	-333.09
Other Financing Activities	-2.86	-	-	-	-2.12	-2.75
Financing Cash Flow	3,180	1,391	1,943	2,944	3,080	-270.74
Net Cash Flow	-1,333	-9.42	-196.31	807.39	536.92	-912.74
Free Cash Flow	372.26	386.64	413.87	232.67	218.89	214.33
Free Cash Flow Growth	-7.52%	-6.58%	77.88%	6.30%	2.13%	31.67%
Free Cash Flow Margin	29.38%	32.14%	39.07%	26.46%	31.41%	34.56%
Free Cash Flow Per Share	6.42	6.64	7.05	3.84	3.61	3.54
Cash Interest Paid	674.76	687.24	698.96	368.31	50.27	78
Cash Income Tax Paid	157.72	153.69	200.81	131.37	99.7	92.51

Updated Jan 29, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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