{"schema_version":"secwatch.filing_event.v1","accession":"0001299709-25-000110","form_type":"8-K","ticker":"AX","cik":"0001299709","company_name":"Axos Financial, Inc.","filed_at":"2025-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.611083+00:00","generated_at":"2026-05-17T22:51:53.138469+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Axos Q4 FY2025 net income $110.7M ($1.92 EPS), up 5.5% YoY; net loan growth $856M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001299709-25-000110","json":"https://secwatch.observer/filing/0001299709-25-000110.json","markdown":"https://secwatch.observer/filing/0001299709-25-000110.md","text":"https://secwatch.observer/filing/0001299709-25-000110.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1299709/000129970925000110/0001299709-25-000110-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1299709/000129970925000110/ax-20250730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T22:51:53.138469+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"}