{"schema_version":"secwatch.filing_event.v1","accession":"0001299709-25-000086","form_type":"8-K","ticker":"AX","cik":"0001299709","company_name":"Axos Financial, Inc.","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.863682+00:00","generated_at":"2026-05-23T02:04:12.650227+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Axos Q3 fiscal 2025 net income falls 5% to $105.2M; EPS $1.81 vs $1.91 YoY","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001299709-25-000086","json":"https://secwatch.observer/filing/0001299709-25-000086.json","markdown":"https://secwatch.observer/filing/0001299709-25-000086.md","text":"https://secwatch.observer/filing/0001299709-25-000086.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1299709/000129970925000086/0001299709-25-000086-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1299709/000129970925000086/ax-20250430.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:04:12.650227+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"}