Axos Financial, Inc. (AX)
Q3-CY2026Q2-CY2026Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014
Balance Sheet Date2026-Jun-302026-Mar-312025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-30
Fiscal PeriodQ4-FY2026Q3-FY2026Q2-FY2026Q1-FY2026Q4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015
Total Revenue379,767,000$392,249,000$385,087,000$323,390,000$321,446,000$308,837,000$307,898,000$320,657,000$290,923,000$294,769,000$352,735,000$245,662,000$236,459,000$231,228,000$228,239,000$207,683,000$192,510,000$178,312,000$176,355,000$173,344,000$158,455,000$159,556,000$162,810,000$163,182,000$145,974,000$180,158,000$129,627,000$124,839,000$123,661,000$155,267,000$109,612,000$102,822,000$104,025,000$140,208,000$101,312,000$93,890,000$92,060,000$111,727,000$93,061,000$84,512,000$86,170,000$92,873,000$79,391,000$68,917,000$65,572,000$59,031,000$54,808,000$50,124,000$
QoQ%(3.18%)1.86%19.08%.61%4.08%.31%(3.98%)10.22%(1.31%)(16.43%)43.59%3.89%2.26%1.31%9.90%7.88%7.96%1.11%1.74%9.40%(.69%)(2.00%)(.23%)11.79%(18.97%)38.98%3.84%.95%(20.36%)41.65%6.60%(1.16%)(25.81%)38.39%7.91%1.99%(17.60%)20.06%10.12%(1.92%)(7.22%)16.98%15.20%5.10%11.08%7.71%9.35%10.85%
YoY%18.14%27.01%25.07%.85%10.49%4.77%(12.71%)30.53%23.03%27.48%54.55%18.29%22.83%29.68%29.42%19.81%21.49%11.76%8.32%6.23%8.55%(11.44%)25.60%30.71%18.04%16.03%18.26%21.41%18.88%10.74%8.19%9.51%13.00%25.49%8.87%11.10%6.84%20.30%17.22%22.63%31.41%57.33%44.85%37.49%45.01%44.42%42.84%42.86%
Cost Of Revenue0$0$0$0$0$0$0$0$0$0$0$0$7,000,000$5,500,000$3,500,000$8,750,000$6,000,000$4,500,000$4,000,000$4,000,000$1,250,000$2,700,000$8,000,000$11,800,000$6,500,000$28,500,000$4,500,000$2,700,000$2,800,000$19,000,000$4,950,000$600,000$3,900,000$16,900,000$4,000,000$1,000,000$200,000$4,862,000$4,100,000$1,900,000$1,900,000$2,000,000$3,400,000$2,400,000$2,900,000$2,900,000$2,900,000$2,500,000$
Gross Profit379,767,000$392,249,000$385,087,000$323,390,000$321,446,000$308,837,000$307,898,000$320,657,000$290,923,000$294,769,000$352,735,000$245,662,000$229,459,000$225,728,000$224,739,000$198,933,000$186,510,000$173,812,000$172,355,000$169,344,000$157,205,000$156,856,000$154,810,000$151,382,000$139,474,000$151,658,000$125,127,000$122,139,000$120,861,000$136,267,000$104,662,000$102,222,000$100,125,000$123,308,000$97,312,000$92,890,000$91,860,000$106,865,000$88,961,000$82,612,000$84,270,000$90,873,000$75,991,000$66,517,000$62,672,000$56,131,000$51,908,000$47,624,000$
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%97.04%97.62%98.47%95.79%96.88%97.48%97.73%97.69%99.21%98.31%95.09%92.77%95.55%84.18%96.53%97.84%97.74%87.76%95.48%99.42%96.25%87.95%96.05%98.94%99.78%95.65%95.59%97.75%97.80%97.85%95.72%96.52%95.58%95.09%94.71%95.01%
Operating Expenses205,945,000$185,953,000$184,574,000$156,246,000$150,652,000$146,261,000$145,320,000$147,465,000$140,535,000$133,228,000$121,839,000$120,506,000$112,457,000$111,044,000$108,027,000$116,087,000$99,543,000$86,819,000$86,019,000$84,431,000$81,860,000$80,807,000$76,297,000$75,546,000$71,544,000$71,790,000$66,965,000$65,467,000$65,536,000$81,815,000$50,933,000$52,922,000$49,673,000$45,434,000$40,809,000$38,020,000$35,979,000$35,448,000$33,300,000$32,878,000$32,985,000$29,408,000$27,445,000$22,918,000$20,752,000$20,343,000$18,937,000$17,446,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses181,240,000$171,980,000$182,136,000$174,686,000$162,252,000$157,258,000$175,969,000$192,214,000$193,366,000$181,958,000$166,057,000$152,797,000$142,676,000$108,352,000$79,678,000$43,311,000$18,751,000$10,643,000$11,508,000$11,668,000$15,267,000$20,005,000$21,287,000$22,562,000$26,871,000$36,447,000$38,868,000$43,042,000$41,206,000$40,039,000$38,519,000$36,518,000$31,850,000$28,197,000$23,572,000$22,961,000$20,016,000$18,403,000$17,940,000$17,700,000$17,106,000$14,725,000$12,764,000$12,101,000$12,273,000$12,246,000$10,970,000$9,930,000$
Income Before Tax155,972,000$165,296,000$175,513,000$149,889,000$155,797,000$148,076,000$150,330,000$159,192,000$144,388,000$155,541,000$217,396,000$118,156,000$117,003,000$114,684,000$117,211,000$82,846,000$81,717,000$86,993,000$86,336,000$84,913,000$75,345,000$76,049,000$78,513,000$75,836,000$67,930,000$79,868,000$58,162,000$56,672,000$55,325,000$54,452,000$53,729,000$49,300,000$50,452,000$77,874,000$56,503,000$54,870,000$55,881,000$71,417,000$55,661,000$49,734,000$51,285,000$61,465,000$48,546,000$43,599,000$41,920,000$35,788,000$32,971,000$30,178,000$
Tax Expenses31,026,000$40,619,000$47,116,000$37,537,000$45,122,000$42,870,000$45,643,000$46,852,000$39,516,000$44,821,000$65,625,000$35,511,000$29,647,000$34,834,000$35,659,000$24,439,000$23,821,000$25,170,000$25,549,000$24,703,000$21,090,000$22,404,000$23,728,000$22,814,000$22,630,000$23,811,000$16,867,000$15,886,000$14,691,000$15,631,000$14,894,000$12,459,000$13,335,000$26,621,000$24,845,000$22,487,000$23,332,000$30,423,000$23,361,000$20,837,000$21,558,000$25,551,000$20,397,000$18,098,000$17,525,000$14,714,000$13,599,000$12,337,000$
Net Income124,946,000$124,677,000$128,397,000$112,352,000$110,675,000$105,206,000$104,687,000$112,340,000$104,872,000$110,720,000$151,771,000$82,645,000$87,356,000$79,850,000$81,552,000$58,407,000$57,896,000$61,823,000$60,787,000$60,210,000$54,255,000$53,645,000$54,785,000$53,022,000$45,300,000$56,057,000$41,295,000$40,786,000$40,634,000$38,821,000$38,835,000$36,841,000$37,117,000$51,253,000$31,658,000$32,383,000$32,549,000$40,994,000$32,300,000$28,897,000$29,727,000$35,914,000$28,149,000$25,501,000$24,395,000$21,074,000$19,372,000$17,841,000$
Profit Margin32.90%31.79%33.34%34.74%34.43%34.07%34.00%35.03%36.05%37.56%43.03%33.64%36.94%34.53%35.73%28.12%30.07%34.67%34.47%34.73%34.24%33.62%33.65%32.49%31.03%31.12%31.86%32.67%32.86%25.00%35.43%35.83%35.68%36.56%31.25%34.49%35.36%36.69%34.71%34.19%34.50%38.67%35.46%37.00%37.20%35.70%35.35%35.59%
TTM33.12%33.48%34.11%34.32%34.39%34.77%35.63%38.10%38.01%38.29%37.67%35.20%33.99%32.30%32.19%31.65%33.41%34.54%34.28%34.07%33.50%32.74%32.07%31.61%31.60%32.02%30.29%30.99%31.57%32.14%35.92%34.99%34.68%34.59%34.48%35.38%35.33%35.13%35.57%35.77%36.44%37.15%36.32%36.38%36.02%35.52%35.51%35.29%
Earnings to Minority113,000$77,000$77,000$77,000$78,000$77,000$77,000$77,000$78,000$77,000$77,000$77,000$78,000$77,000$77,000$77,000$78,000$77,000$77,000$77,000$78,000$77,000$77,000$77,000$78,000$77,000$
Earnings to Common Shareholders124,946,000$124,677,000$128,397,000$112,352,000$110,675,000$105,206,000$104,687,000$112,340,000$104,872,000$110,720,000$151,771,000$82,645,000$87,356,000$79,850,000$81,552,000$58,407,000$57,896,000$61,823,000$60,787,000$60,210,000$54,255,000$53,645,000$54,672,000$52,945,000$45,223,000$55,980,000$41,217,000$40,709,000$40,557,000$38,744,000$38,757,000$36,764,000$37,040,000$51,176,000$31,580,000$32,306,000$32,472,000$40,917,000$32,222,000$28,820,000$29,650,000$35,837,000$28,071,000$25,424,000$24,318,000$20,997,000$19,294,000$17,764,000$
QoQ%.22%(2.90%)14.28%1.52%5.20%.50%(6.81%)7.12%(5.28%)(27.05%)83.64%(5.39%)9.40%(2.09%)39.63%.88%(6.35%)1.70%.96%10.98%1.14%(1.88%)3.26%17.08%(19.22%)35.82%1.25%.38%4.68%(.03%)5.42%(.75%)(27.62%)62.05%(2.25%)(.51%)(20.64%)26.99%11.80%(2.80%)(17.26%)27.67%10.41%4.55%15.82%8.83%8.61%11.49%
YoY%12.90%18.51%22.65%.01%5.53%(4.98%)(31.02%)35.93%20.05%38.66%86.10%41.50%50.88%29.16%34.16%(3.00%)6.71%15.25%11.19%13.72%19.97%(4.17%)32.64%30.06%11.51%44.49%6.35%10.73%9.50%(24.29%)22.73%13.80%14.07%25.07%(1.99%)12.10%9.52%14.18%14.79%13.36%21.93%70.68%45.49%43.12%52.63%44.48%47.54%46.76%
Earnings Per Share, Basic2.20$2.20$2.27$1.99$1.96$1.84$1.83$1.97$1.84$1.94$2.65$1.40$1.48$1.33$1.36$0.98$0.97$1.04$1.02$1.01$0.92$0.91$0.93$0.89$0.76$0.92$0.67$0.66$0.66$0.63$0.62$0.59$0.59$0.82$0.50$0.51$0.51$0.65$0.51$0.46$0.47$0.57$0.45$0.41$0.23$0.34$0.32$1.22$
Earnings Per Share, Diluted2.20$2.20$2.27$1.99$1.96$1.84$1.83$1.97$1.84$1.94$2.65$1.40$1.48$1.33$1.36$0.98$0.97$1.04$1.02$1.01$0.92$0.91$0.93$0.89$0.76$0.92$0.67$0.66$0.66$0.63$0.62$0.59$0.59$0.82$0.50$0.51$0.54$0.63$0.50$0.45$0.48$0.56$0.44$0.40$0.23$0.34$0.32$1.20$
Unlevered FCF Per Share, Basic5.17$0.74$1.84$2.10$3.25$1.29$2.85$1.24$0.65$2.03$2.07$0.58$1.31$(0.96$)1.77$1.18$2.47$2.38$0.95$(2.17$)1.69$0.48$3.69$1.11$1.04$1.53$1.75$0.35$1.27$0.18$1.16$0.69$0.79$0.82$0.22$0.83$0.43$1.36$0.29$1.06$1.01$0.54$0.44$0.66$0.20$0.54$0.06$4.06$
Unlevered FCF Per Share, Diluted5.17$0.74$1.84$2.10$3.25$1.29$2.85$1.24$0.65$2.03$2.07$0.58$1.31$(0.96$)1.77$1.18$2.47$2.38$0.95$(2.17$)1.69$0.48$3.69$1.11$1.04$1.53$1.75$0.35$1.27$0.18$1.16$0.69$0.79$0.82$0.22$0.83$0.45$1.32$0.29$1.04$1.03$0.52$0.43$0.65$0.20$0.53$0.05$3.98$
Average Shares, Basic56,729,41456,724,05456,660,83356,512,58756,392,61857,029,07857,094,15356,934,67156,938,40756,932,05057,216,62158,949,03858,981,37359,930,63459,999,57359,854,58459,665,04159,542,12859,496,48959,390,84659,240,07959,118,88459,049,69759,509,32059,648,07460,967,89261,315,59061,246,66461,201,99261,259,41962,336,77962,795,59862,577,25762,543,94963,487,69863,626,51263,415,81163,394,12263,341,43763,284,17463,088,19163,066,26262,999,33562,483,856104,792,63160,889,20459,566,17614,511,365
Average Shares, Diluted56,729,41456,724,05456,660,83356,512,58756,392,61857,029,07857,094,15356,934,67156,938,40756,932,05057,216,62158,949,03858,981,37359,930,63459,999,57359,854,58459,665,04159,542,12859,496,48959,390,84659,240,07959,118,88459,049,69759,509,32059,648,07460,967,89261,315,59061,246,66461,201,99261,259,41962,336,77962,795,59862,648,65062,615,94963,559,72463,720,60560,192,90664,982,38964,861,54064,589,33361,800,32264,485,86564,431,33363,671,516106,925,39462,180,21660,819,24814,786,774
EBIT337,212,000$337,276,000$357,649,000$324,575,000$318,049,000$305,334,000$326,299,000$351,406,000$337,754,000$337,499,000$383,453,000$270,953,000$259,679,000$223,036,000$196,889,000$126,157,000$100,468,000$97,636,000$97,844,000$96,581,000$90,612,000$96,054,000$99,800,000$98,398,000$94,801,000$116,315,000$97,030,000$99,714,000$96,531,000$94,491,000$92,248,000$85,818,000$82,302,000$106,071,000$80,075,000$77,831,000$75,897,000$89,820,000$73,601,000$67,434,000$68,391,000$76,190,000$61,310,000$55,700,000$54,193,000$48,034,000$43,941,000$40,108,000$
EBITDA364,022,000$359,543,000$380,854,000$332,916,000$325,740,000$312,181,000$333,330,000$358,856,000$345,253,000$344,720,000$389,941,000$276,831,000$265,344,000$228,707,000$202,846,000$132,251,000$106,490,000$103,697,000$104,629,000$102,309,000$96,823,000$101,919,000$105,662,000$104,584,000$101,783,000$122,512,000$103,070,000$104,938,000$101,654,000$99,256,000$95,815,000$88,834,000$85,157,000$108,095,000$82,022,000$79,579,000$77,675,000$91,372,000$75,012,000$68,787,000$69,870,000$77,500,000$62,308,000$56,708,000$55,115,000$48,902,000$44,707,000$40,825,000$