---
schema_version: "secwatch.filing_event.v1"
accession: "0001299709-25-000010"
form_type: "8-K"
ticker: "AX"
cik: "0001299709"
company_name: "Axos Financial, Inc."
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T08:03:23.753668+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Axos Financial Q2 FY2025 EPS $1.80, adjusted EPS $1.82; NII up 22.5%

## Summary
- Net income $104.7M ($1.80 diluted EPS) vs $151.8M ($2.62) prior year, which included $92.4M FDIC gain.
- Adjusted EPS rose 13.8% to $1.82 from $1.60; net interest income $280.1M (+22.5% YoY).
- Non-interest income fell 77.6% to $27.8M due to absence of FDIC loan purchase gain.
- Loan portfolio grew to $20.0B; non-accrual loans increased to 1.26% of total loans (from 0.89% Q1).
- Book value $44.17 per share; CET1 ratio 12.42% vs 12.44% sequentially.

## SEC filing metadata
- accession: 0001299709-25-000010
- form_type: 8-K
- ticker: AX
- cik: 0001299709
- company_name: Axos Financial, Inc.
- filed_at: 2025-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1299709/000129970925000010/0001299709-25-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1299709/000129970925000010/ax-20250128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001299709-25-000010
- JSON: https://secwatch.observer/filing/0001299709-25-000010.json
- Plain text: https://secwatch.observer/filing/0001299709-25-000010.txt

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