{"schema_version":"secwatch.filing_event.v1","accession":"0001299709-24-000107","form_type":"8-K","ticker":"AX","cik":"0001299709","company_name":"Axos Financial, Inc.","filed_at":"2024-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.504876+00:00","generated_at":"2026-05-31T15:03:39.930275+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Axos Financial reports record FY2024 net income $450M; Q4 EPS $1.80, up 23% YoY","bullets":["Net income $104.9M in Q4 FY2024, up 20.1% YoY; diluted EPS $1.80 vs $1.46.","Net interest income $260M, up 27.6% YoY; net interest margin 4.65% vs 4.19%.","Total loans (net) grew 16.8% to $19.2B; deposits grew 13.1% to $19.4B.","Allowance for credit losses $260.5M, up from $166.7M; non-accrual loans 0.57% of total loans.","Record full-year net income $450M, up 46.5% vs FY2023; includes $92.4M gain on FDIC loan purchase."],"urls":{"canonical":"https://secwatch.observer/filing/0001299709-24-000107","json":"https://secwatch.observer/filing/0001299709-24-000107.json","markdown":"https://secwatch.observer/filing/0001299709-24-000107.md","text":"https://secwatch.observer/filing/0001299709-24-000107.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1299709/000129970924000107/0001299709-24-000107-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1299709/000129970924000107/ax-20240730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:03:39.930275+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}