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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Axos Financial (AX) investor relations material
Axos Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jul, 2025
Executive summary
Net income for Q4 FY25 was $110.7M, up from $104.9M in Q4 FY24; adjusted EPS was $1.94, and diluted EPS was $1.92.
Net loan growth reached $856M in Q4 FY25, with total assets rising to $24.8B at June 30, 2025, up 8.4% year-over-year.
Book value per share increased 17.9% year-over-year to $47.46; tangible book value per share reached $44.60.
Maintained robust credit quality, with non-accrual loans to total loans at 0.79% as of June 30, 2025.
Continued strong deposit growth, with total deposits up 7.6% year-over-year, reaching $20.8B.
Financial highlights
Net interest income for Q4 FY25 was $280.2M, up 7.7% year-over-year; net interest margin expanded to 4.84%.
Non-interest income was $41.3M, up 33.8% year-over-year.
Non-interest expense rose to $150.7M in Q4 FY25, driven by higher salaries and operational costs.
Book value per share and tangible book value per share increased significantly year-over-year.
Efficiency ratio was 46.87% for Q4 FY25, higher than 41.53% in Q4 FY24.
Outlook and guidance
Expect organic loan growth at the mid to high end of high single digits to low teens annually for fiscal 2026.
Project consolidated net interest margin (ex-FDIC accretion) to remain at or above the 4.25%-4.35% target range.
Effective tax rate expected to decrease by three percentage points starting Q1 FY26 due to California tax changes.
Management highlights continued focus on diversified deposit gathering, digital banking expansion, and cross-sell initiatives.
Ongoing enhancements in treasury/cash management are expected to support future growth.
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Next Axos Financial earnings date
Q1 202630 Oct, 2025
Next Axos Financial earnings date
Q1 202630 Oct, 2025
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Frequently asked questions
Axos Financial Inc. operates as a diversified financial services company offering consumer and business banking products. It provides services such as checking and savings accounts, lending, and investment management through digital channels. The company is headquartered in Las Vegas, Nevada, and its shares are listed on the NYSE.
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