---
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"
generated_at: "2026-05-31T15:03:39.930275+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Axos Financial reports record FY2024 net income $450M; Q4 EPS $1.80, up 23% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001299709-24-000107
- JSON: https://secwatch.observer/filing/0001299709-24-000107.json
- Plain text: https://secwatch.observer/filing/0001299709-24-000107.txt

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