---
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"
generated_at: "2026-05-17T22:51:53.138469+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001299709-25-000110
- JSON: https://secwatch.observer/filing/0001299709-25-000110.json
- Plain text: https://secwatch.observer/filing/0001299709-25-000110.txt

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