---
schema_version: "secwatch.filing_event.v1"
accession: "0001299709-24-000215"
form_type: "8-K"
ticker: "AX"
cik: "0001299709"
company_name: "Axos Financial, Inc."
filed_at: "2024-10-30T23:59:59+00:00"
generated_at: "2026-05-30T08:05:58.182557+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Axos Financial Q1 FY2025 net income $112.3M, EPS $1.93, up 39.9% YoY

## Summary
- Net income $112.3M (+35.9% YoY); diluted EPS $1.93 (+39.9%); adjusted EPS $1.96 (+39%).
- Net interest income $292M (+38.3% YoY); NIM expanded to 5.21% from 4.65% in prior quarter.
- Non-accrual loans rose to $177M (0.89% of loans) from $113M (0.57% at June 30); net charge-offs 0.17% annualized.
- Total deposits $19.97B; CET1 capital ratio improved to 12.44% at Sept 30 vs 12.01% at June 30.
- Return on average common equity 19.12% vs 18.81% in prior quarter; book value $42.14 per share.

## SEC filing metadata
- accession: 0001299709-24-000215
- form_type: 8-K
- ticker: AX
- cik: 0001299709
- company_name: Axos Financial, Inc.
- filed_at: 2024-10-30T23:59:59+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/1299709/000129970924000215/0001299709-24-000215-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1299709/000129970924000215/ax-20241030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001299709-24-000215
- JSON: https://secwatch.observer/filing/0001299709-24-000215.json
- Plain text: https://secwatch.observer/filing/0001299709-24-000215.txt

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