Axos Q4 FY2025 net income $110.7M ($1.92 EPS), up 5.5% YoY; net loan growth $856M

Axos Financial, Inc.

2025-FY EPS reported $7.43 revenue$65,789,000

Diluted EPS $1.92 vs $1.80 YoY; adjusted EPS $1.94 vs $1.83 YoY; net interest income $280.2M (+7.7% YoY).
Total loans (net) grew to $21.05B from $19.23B a year ago, led by C&I and single-family mortgage segments.
Net charge-offs were 0.16% annualized vs 0.05% in prior-year quarter; ACL ratio 1.36% vs 1.34%.
Banking segment efficiency ratio improved to 40.94% from 41.39% QoQ; NIM expanded to 4.84% from 4.65% YoY.
Fiscal full-year net income $432.9M ($7.43 diluted EPS) vs $450.0M ($7.66) in FY2024.

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