---
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"
generated_at: "2026-07-30T20:10:13.815551+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Axos Financial Q4 net income $124.9M, EPS $2.16; adjusted EPS $2.53, up 30% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1299709/000129970926000052/0001299709-26-000052-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1299709/000129970926000052/ax-20260730.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001299709-26-000052
- JSON: https://secwatch.observer/filing/0001299709-26-000052.json
- Plain text: https://secwatch.observer/filing/0001299709-26-000052.txt

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