---
schema_version: "secwatch.filing_event.v1"
accession: "0001299709-23-000009"
form_type: "8-K"
ticker: "AX"
cik: "0001299709"
company_name: "Axos Financial, Inc."
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T07:58:56.978581+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Axos Financial reports Q2 FY2023 net income $81.6M, up 34% YoY; diluted EPS $1.35

## Summary
- Diluted EPS $1.35 vs $1.00 a year ago (+35%); adjusted EPS $1.38 vs $1.04 (+33%).
- Net interest income $199.9M (+37.3% YoY) driven by loan growth and higher rates.
- Non-interest income $28.3M (-8% YoY) due to lower mortgage banking revenue.
- Non-performing loans dropped to $95.0M from $120.5M prior quarter; total loans grew $265M to $15.65B.
- Record quarterly earnings; all metrics exceed prior year.

## SEC filing metadata
- accession: 0001299709-23-000009
- form_type: 8-K
- ticker: AX
- cik: 0001299709
- company_name: Axos Financial, Inc.
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1299709/000129970923000009/0001299709-23-000009-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1299709/000129970923000009/ax-20230126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001299709-23-000009
- JSON: https://secwatch.observer/filing/0001299709-23-000009.json
- Plain text: https://secwatch.observer/filing/0001299709-23-000009.txt

## Key facts
- Earnings Releases
  Axos Financial, Inc. reported the fiscal second quarter ended December 31, 2022 results: net income Net income was $81.6 million, EPS Diluted earnings per share were $1.35.
  - Period: the fiscal second quarter ended December 31, 2022
  - Net income: Net income was $81.6 million
  - EPS: Diluted earnings per share were $1.35
  - Result: reported results
  source text: Net income was $81.6 million, an increase of 34% from $60.8 million for the quarter ended December 31, 2021. Diluted earnings per share were $1.35, an increase of $0.35, or 35%, as compared to diluted earnings per share of $1.00 for the quarter ended December 31, 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1299709/000129970923000009/0001299709-23-000009-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.