---
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"
generated_at: "2026-05-23T02:04:12.650227+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Axos Q3 fiscal 2025 net income falls 5% to $105.2M; EPS $1.81 vs $1.91 YoY

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1299709/000129970925000086/0001299709-25-000086-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1299709/000129970925000086/ax-20250430.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001299709-25-000086
- JSON: https://secwatch.observer/filing/0001299709-25-000086.json
- Plain text: https://secwatch.observer/filing/0001299709-25-000086.txt

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