{"schema_version":"secwatch.filing_event.v1","accession":"0001299709-26-000052","form_type":"8-K","ticker":"AX","cik":"0001299709","company_name":"Axos Financial, Inc.","filed_at":"2026-07-30T20:09:23+00:00","discovered_at":"2026-07-30T20:10:00.295312+00:00","generated_at":"2026-07-30T20:10:13.815551+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 Financial Q4 net income $124.9M, EPS $2.16; adjusted EPS $2.53, up 30% YoY","bullets":["Net income $124.9M ($2.16 diluted EPS) vs $110.7M ($1.92) YoY; adjusted EPS $2.53 vs $1.94.","Net interest income $317.9M (+13.5% YoY); non-interest income $61.9M (+49.9%) driven by banking fees.","Total assets $29.96B (+21% YoY); loans net $25.6B; deposits $24.6B.","Full year net income $490.4M ($8.48 diluted EPS) vs $432.9M ($7.43) YoY.","Provision for credit losses $17.9M vs $15.0M; allowance for credit losses $347.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0001299709-26-000052","json":"https://secwatch.observer/filing/0001299709-26-000052.json","markdown":"https://secwatch.observer/filing/0001299709-26-000052.md","text":"https://secwatch.observer/filing/0001299709-26-000052.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1299709/000129970926000052/0001299709-26-000052-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1299709/000129970926000052/ax-20260730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T20:10:13.815551+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"}