Financials · AX
For the twelve months ended Sep 30, 2026, Axos Financial Inc. reported $1.55B of revenue and $507.67M of net income.
AX revenue was $395.07M in fiscal Q1 2027 (ended Sep 30, 2026), up 22.2% from a year earlier and up 4.0% from the prior quarter. For the full fiscal 2026 it was $1.48B, up 17.6% from fiscal 2025. Compound annual growth was +18.1% over 5 years and +16.3% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2026 is the highest of the 15 fiscal years on file.
AX net income was $129.65M in fiscal Q1 2027 (ended Sep 30, 2026), up 15.4% from a year earlier and up 3.8% from the prior quarter. For the full fiscal 2026 it was $490.37M, up 13.3% from fiscal 2025. Compound annual growth was +17.9% over 5 years and +15.2% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2026 is the highest of the 15 fiscal years on file.
AX diluted EPS was $2.25 in fiscal Q1 2027 (ended Sep 30, 2026), up 16.0% from a year earlier and up 3.7% from the prior quarter. For the full fiscal 2026 it was $8.48, up 14.1% from fiscal 2025. Compound annual growth was +19.0% over 5 years and +16.3% over 10 years.
AX free cash flow was $235.45M in fiscal Q1 2027 (ended Sep 30, 2026), up 115.4% from a year earlier and up 19.1% from the prior quarter. For the full fiscal 2026 it was $291.15M, down 33.2% from fiscal 2025. Compound annual growth was -6.3% over 5 years and +6.4% over 10 years. It rose in 6 of the last 10 fiscal years.
| Line item | Jun 30, 2026 | Jun 30, 2025 | Jun 30, 2024 | Jun 30, 2023 | Jun 30, 2022 | Jun 30, 2021 | Jun 30, 2020 | Jun 30, 2019 | Jun 30, 2018 | Jun 30, 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.48B | $1.26B | $1.18B | $903.61M | $720.52M | $644.00M | $580.60M | $491.36M | $439.44M | $381.36M |
| Interest expense | $710.04M | $687.69M | $694.18M | $374.02M | $52.57M | $79.12M | $145.23M | $156.28M | $106.58M | $74.06M |
| Pre-tax income | $646.67M | $613.39M | $635.48M | $431.74M | $339.96M | $305.74M | $262.63M | $212.81M | $239.70M | $232.69M |
| Income tax | $156.30M | $180.49M | $185.47M | $124.58M | $99.24M | $90.04M | $79.19M | $57.67M | $87.29M | $97.95M |
| Net income | $490.37M | $432.91M | $450.01M | $307.17M | $240.72M | $215.71M | $183.44M | $155.13M | $152.41M | $134.74M |
| EPS, basic | $8.66 | $7.61 | $7.82 | $5.15 | $4.04 | $3.64 | $3.01 | $2.50 | $2.41 | $2.11 |
| EPS, diluted | $8.48 | $7.43 | $7.66 | $5.07 | $3.97 | $3.56 | $2.98 | $2.48 | $2.37 | $2.10 |
| Diluted shares | 56.7M | 56.9M | 57.5M | 59.7M | 59.5M | 59.2M | 60.8M | 61.9M | 63.1M | 63.7M |
| Line item | Jun 30, 2026 | Jun 30, 2025 | Jun 30, 2024 | Jun 30, 2023 | Jun 30, 2022 | Jun 30, 2021 | Jun 30, 2020 | Jun 30, 2019 | Jun 30, 2018 | Jun 30, 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $1.11B | $2.18B | $2.19B | $2.38B | $1.57B | $1.04B | $1.95B | $857.37M | $622.85M | $643.54M |
| Goodwill | $144.33M | $97.67M | $97.67M | $97.67M | $95.67M | $71.22M | $71.22M | $71.22M | $35.72M | - |
| Total assets | $29.96B | $24.78B | $22.86B | $20.35B | $17.40B | $14.27B | $13.85B | $11.22B | $9.54B | $8.50B |
| Total debt | $342.92M | $312.67M | $325.68M | $361.78M | $445.24M | $221.36M | $235.79M | $168.93M | $54.55M | - |
| Total liabilities | $26.80B | $22.10B | $20.56B | $18.43B | $15.76B | $12.86B | $12.62B | $10.15B | $8.58B | $7.67B |
| Shareholders' equity | $3.17B | $2.68B | $2.29B | $1.92B | $1.64B | $1.40B | $1.23B | $1.07B | $960.51M | $834.25M |
| Line item | Jun 30, 2026 | Jun 30, 2025 | Jun 30, 2024 | Jun 30, 2023 | Jun 30, 2022 | Jun 30, 2021 | Jun 30, 2020 | Jun 30, 2019 | Jun 30, 2018 | Jun 30, 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $557.60M | $490.33M | $305.48M | $196.71M | $216.62M | $412.58M | $284.12M | $204.42M | $167.91M | $198.50M |
| Capital expenditures | $266.45M | $54.21M | $35.96M | $30.21M | $21.50M | $10.44M | $12.33M | $20.08M | $11.82M | $8.76M |
| Free cash flow | $291.15M | $436.12M | $269.52M | $166.49M | $195.12M | $402.14M | $271.79M | $184.34M | $156.10M | $189.74M |
| Investing cash flow | -$5.04B | -$1.84B | -$2.59B | -$2.40B | -$2.78B | -$866.77M | -$1.35B | -$931.74M | -$1.03B | -$788.73M |
| Financing cash flow | $3.61B | $1.34B | $2.09B | $3.01B | $3.10B | -$458.56M | $2.16B | $961.84M | $837.40M | $747.05M |
| Share repurchases | $21.98M | $58.20M | $96.29M | $48.96M | $0 | $16.76M | $38.86M | $56.44M | $35.18M | $0 |
| Stock-based compensation | $44.26M | $41.97M | $35.19M | $26.10M | $21.24M | $20.68M | $21.93M | $23.44M | $20.40M | $14.54M |
| Depreciation and amortization | $29.70M | $21.60M | $16.20M | $12.20M | $13.10M | $14.40M | $24.44M | $16.47M | $8.57M | $6.09M |
| Line item | Jun 30, 2026 | Jun 30, 2025 | Jun 30, 2024 | Jun 30, 2023 | Jun 30, 2022 | Jun 30, 2021 | Jun 30, 2020 | Jun 30, 2019 | Jun 30, 2018 | Jun 30, 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 17.6% | 6.3% | 31.0% | 25.4% | 11.9% | 10.9% | 18.2% | 11.8% | 15.2% | 16.5% |
| Net income growth, YoY | 13.3% | -3.8% | 46.5% | 27.6% | 11.6% | 17.6% | 18.2% | 1.8% | 13.1% | 13.0% |
| EPS growth, YoY | 14.1% | -3.0% | 51.1% | 27.7% | 11.5% | 19.5% | 20.2% | 4.6% | 12.9% | 12.3% |
| Net margin | 33.1% | 34.4% | 38.0% | 34.0% | 33.4% | 33.5% | 31.6% | 31.6% | 34.7% | 35.3% |
| Free cash flow margin | 19.7% | 34.6% | 22.8% | 18.4% | 27.1% | 62.4% | 46.8% | 37.5% | 35.5% | 49.8% |
| Return on equity | 15.5% | 16.1% | 19.6% | 16.0% | 14.7% | 15.4% | 14.9% | 14.5% | 15.9% | 16.2% |
| Return on assets | 1.6% | 1.7% | 2.0% | 1.5% | 1.4% | 1.5% | 1.3% | 1.4% | 1.6% | 1.6% |
| Debt to equity | 0.11 | 0.12 | 0.14 | 0.19 | 0.27 | 0.16 | 0.19 | 0.16 | 0.06 | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $395.07M | $379.77M | $392.25M | $385.09M | $323.39M | $321.45M | $308.84M | $307.90M | $320.66M | $290.92M | $294.77M | $352.74M |
| Interest expense | $185.82M | $181.24M | $171.98M | $182.14M | $174.69M | $162.25M | $157.26M | $175.97M | $192.21M | $193.37M | $181.96M | $166.06M |
| Pre-tax income | $175.16M | $155.97M | $165.30M | $175.51M | $149.89M | $155.80M | $148.08M | $150.33M | $159.19M | $144.39M | $155.54M | $217.40M |
| Income tax | $45.51M | $31.03M | $40.62M | $47.12M | $37.54M | $45.12M | $42.87M | $45.64M | $46.85M | $39.52M | $44.82M | $65.63M |
| Net income | $129.65M | $124.95M | $124.68M | $128.40M | $112.35M | $110.67M | $105.21M | $104.69M | $112.34M | $104.87M | $110.72M | $151.77M |
| EPS, basic | $2.28 | $2.20 | $2.20 | $2.27 | $1.99 | $1.97 | $1.84 | $1.83 | $1.97 | $1.83 | $1.94 | $2.65 |
| EPS, diluted | $2.25 | $2.17 | $2.15 | $2.22 | $1.94 | $1.89 | $1.81 | $1.80 | $1.93 | $1.75 | $1.91 | $2.62 |
| Diluted shares | 56.8M | - | 56.7M | 56.7M | 56.5M | - | 57.0M | 57.1M | 56.9M | - | 56.9M | 57.2M |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $1.63B | $1.11B | $1.17B | $1.01B | $2.89B | $2.18B | $2.26B | $2.67B | $2.80B | $2.19B | $2.35B | $1.76B |
| Goodwill | $144.53M | $144.33M | $144.33M | $144.33M | $151.54M | $97.67M | $97.67M | $97.67M | $97.67M | $97.67M | $97.67M | $97.67M |
| Total assets | $30.84B | $29.96B | $29.25B | $28.20B | $27.43B | $24.78B | $23.98B | $23.71B | $23.57B | $22.86B | $22.64B | $21.62B |
| Total debt | - | $342.92M | - | - | - | $312.67M | $377.43M | $358.69M | $313.52M | $325.68M | $330.39M | $341.09M |
| Total liabilities | $27.56B | $26.80B | $26.18B | $25.27B | $24.64B | $22.10B | $21.38B | $21.19B | $21.16B | $20.56B | $20.45B | $19.55B |
| Shareholders' equity | $3.29B | $3.17B | $3.07B | $2.93B | $2.79B | $2.68B | $2.60B | $2.52B | $2.41B | $2.29B | $2.20B | $2.08B |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $294.90M | $293.03M | $42.03M | $104.11M | $118.43M | $183.35M | $73.68M | $162.51M | $70.79M | $36.97M | $115.77M | $118.55M |
| Capital expenditures | $59.45M | $95.34M | $143.27M | $18.69M | $9.15M | $21.79M | $8.55M | $6.10M | $17.77M | $10.49M | $8.44M | $10.54M |
| Free cash flow | $235.45M | $197.69M | -$101.24M | $85.42M | $109.28M | $161.56M | $65.13M | $156.41M | $53.02M | $26.48M | $107.33M | $108.01M |
| Investing cash flow | -$404.81M | -$737.66M | -$880.69M | -$2.38B | -$1.03B | -$848.77M | -$677.53M | -$269.22M | -$45.54M | -$427.15M | -$420.26M | -$1.24B |
| Financing cash flow | $678.73M | $401.15M | $849.44M | $734.94M | $1.62B | $584.08M | $188.12M | -$23.72M | $592.83M | $230.04M | $886.68M | $466.99M |
| Share repurchases | $4.00M | $21.98M | - | - | $0 | $32.33M | $25.87M | $0 | $0 | $13.11M | $595.0K | $64.11M |
| Stock-based compensation | $11.20M | $11.61M | $11.30M | $10.52M | $10.83M | $11.20M | $10.92M | $9.62M | $10.24M | $12.58M | $9.22M | $6.59M |
| Depreciation and amortization | $29.17M | -$24.11M | $22.27M | $23.20M | $8.34M | $272.0K | $6.85M | $7.03M | $7.45M | -$3.39M | $7.22M | $6.49M |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 22.2% | 18.1% | 27.0% | 25.1% | 0.9% | 10.5% | 4.8% | -12.7% | 30.5% | 23.0% | 27.5% | 54.5% |
| Net income growth, YoY | 15.4% | 12.9% | 18.5% | 22.6% | 0.0% | 5.5% | -5.0% | -31.0% | 35.9% | 20.1% | 38.7% | 86.1% |
| EPS growth, YoY | 16.0% | 14.8% | 18.8% | 23.3% | 0.5% | 8.0% | -5.2% | -31.3% | 39.9% | 22.4% | 44.7% | 94.1% |
| Net margin | 32.8% | 32.9% | 31.8% | 33.3% | 34.7% | 34.4% | 34.1% | 34.0% | 35.0% | 36.0% | 37.6% | 43.0% |
| Free cash flow margin | 59.6% | 52.1% | -25.8% | 22.2% | 33.8% | 50.3% | 21.1% | 50.8% | 16.5% | 9.1% | 36.4% | 30.6% |
| Debt to equity | - | 0.11 | - | - | - | 0.12 | 0.14 | 0.14 | 0.13 | 0.14 | 0.15 | 0.16 |
Source: XBRL data Axos Financial Inc. files with the SEC, latest filing dated Oct 29, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures and share counts are restated for stock splits the filings show: 4-for-1, first reported Jan 28, 2016.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| AX | $1.55B | +23.0% | $507.67M | 32.7% | $5.36B |
| HSBC | $68.27B | +3.7% | $23.13B | 33.9% | $306.84B |
| EBC | $1.12B | +61.3% | $376.13M | 33.5% | $5.33B |
| TFSL | $343.73M | +10.5% | $102.06M | 29.7% | $4.69B |
| PFS | $907.32M | +8.1% | $312.71M | 34.5% | $3.24B |
| BKU | $1.12B | +6.8% | $273.65M | 24.4% | $3.20B |
| CFFN | $229.25M | +19.4% | $82.83M | 36.1% | $1.10B |
| HTB | $216.63M | +4.4% | $65.02M | 30.0% | $756.6M |