Axos Financial, Inc. (AX)

Axos Financial Cash Flow 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	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Income	456.63	432.91	450.01	307.17	240.72	215.71
Depreciation & Amortization	46.08	29.02	27.09	23.39	24.6	24.12
Provision for Credit Losses	71.75	55.75	32.5	24.25	23.75	23.75
Stock-Based Compensation	43.46	41.97	35.19	26.1	21.24	20.69
Net Change in Loans Held-for-Sale	-25.48	-14.24	3.56	-19.52	16.81	21.64
Other Adjustments	-65.18	-134.45	-120.43	-19.57	-7.47	0.37
Changes in Securities Borrowed	5.53	-72.18	67.13	204.64	280.11	-396.72
Changes in Accrued Interest and Accounts Receivable	21.58	-12.69	134.05	43.34	-43.93	-149.55
Changes in Accounts Payable	49.13	49.48	-144.35	-66.18	-23.77	187.81
Changes in Other Operating Activities	-124	114.78	-179.26	-326.92	-315.43	464.77
Operating Cash Flow	479.57	490.33	305.48	196.71	216.62	412.58
Operating Cash Flow Growth	24.60%	60.51%	55.30%	-9.19%	-47.50%	45.21%
Net Change in Loans Held-for-Investment	-3,687	-1,735	-2,644	-2,387	-2,697	-810.86
Net Change in Securities and Investments	-707.36	65.57	98.63	25.61	-18.21	-47.06
Payments for Business Acquisitions	-765.89	-54.21	-35.96	-30.22	-54.6	-
Capital Expenditures	-23.27	-19.3	-12.4	-9.04	-21.5	-10.44
Sale of Property, Plant & Equipment	2.01	2.21	4.76	4.17	8.65	1.59
Other Investing Activities	-	-100	-	-2.75	-	-
Investing Cash Flow	-4,944	-1,841	-2,589	-2,399	-2,783	-866.77
Net Change in Deposits	3,298	1,470	2,236	3,177	3,131	-520.9
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-37.5	-	-27.2	-84.3	-110.7	195.7
Long-Term Debt Issued	300	-	-	-	150	175
Long-Term Debt Repaid	-124.76	-43.17	-8.94	-27.5	-50	-272.95
Net Long-Term Debt Issued (Repaid)	175.24	-43.17	-8.94	-27.5	100	-97.95
Repurchase of Common Stock	-61	-85.84	-112.48	-55.11	-14.48	-27.41
Net Common Stock Issued (Repurchased)	-61	-85.84	-112.48	-55.11	-14.48	-27.41
Repurchase of Preferred Stock	-	-	-	-	-	-5.15
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-	-5.15
Preferred Share Dividends Paid	-	-	-	-	-	-0.1
Other Financing Activities	-2.86	-	-	-	-2.12	-2.75
Financing Cash Flow	3,131	1,341	2,087	3,010	3,103	-458.56
Net Cash Flow	-205.76	-9.42	-196.31	807.39	536.92	-912.74
Free Cash Flow	456.31	471.04	293.08	187.67	195.12	402.15
Free Cash Flow Growth	-3.13%	60.72%	56.16%	-3.82%	-51.48%	47.96%
FCF Margin	36.01%	39.15%	25.45%	21.34%	28.00%	64.84%
Free Cash Flow Per Share	7.89	8.09	4.99	3.10	3.22	6.64
Levered Free Cash Flow	606.93	478.84	333.32	148.9	240.79	237.56
Unlevered Free Cash Flow	-24.94	89.1	-107.75	-130.76	-99.93	120

Updated Jan 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q