earnings
confidence high
sentiment negative
materiality 0.70
Axos Q3 fiscal 2025 net income falls 5% to $105.2M; EPS $1.81 vs $1.91 YoY
Axos Financial, Inc.
2025-Q3 EPS
reported $5.55
vs consensus $1.93
▲ beat
(+187.1%)
- Net income $105.2M ($1.81 diluted EPS) vs $110.7M ($1.91) year ago, down 5.0%.
- Adjusted EPS (non-GAAP) $1.81 vs $1.94, down 6.7%; net interest income up 5.3% to $275.5M.
- Provision for credit losses jumped to $14.5M from $6.0M in Q3 2024, pressuring earnings.
- Non-accrual loans improved to 0.89% of total loans from 1.26% at Dec 31, 2024.
- Total deposits $20.14B; book value per share $45.79; CET1 ratio held at 12.39%.