Axos Financial, Inc.'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Jun 30, 2026 · FY), Axos Financial, Inc. reported net income of $490.4M (+13.3% year on year).
| Line item | Jun 30, 2026 · FY | Jun 30, 2025 · FY | Jun 30, 2024 · FY | Jun 30, 2023 · FY |
|---|---|---|---|---|
| Loans, including fees | $1.8B | $1.7B | $1.5B | $1.0B |
| Securities borrowed and customer receivables | $31.9M | $25.5M | $22.4M | $18.7M |
| Investments and other | $93.6M | $135.2M | $133.6M | $89.6M |
| Total interest and dividend income | $2.0B | $1.8B | $1.7B | $1.2B |
| Deposits | $646.4M | $667.8M | $670.6M | $339.5M |
| Advances from the Federal Home Loan Bank | $17.6M | $1.7M | $3.1M | $12.6M |
| Securities loaned | $974.0K | $1.8M | $2.2M | $3.7M |
| Other borrowings | $45.1M | $16.5M | $18.3M | $18.2M |
| Total interest expense | $710.0M | $687.7M | $694.2M | $374.0M |
| Net interest income | $1.2B | $1.1B | $961.4M | $783.1M |
| Provision for credit losses | $101.1M | $55.7M | $32.5M | $24.8M |
| Net interest income, after provision for credit losses | $1.1B | $1.1B | $928.9M | $758.4M |
| Broker-dealer fee income | $45.3M | $45.2M | $48.1M | $46.5M |
| Advisory fee income | $36.0M | $31.8M | $31.3M | $28.3M |
| Banking and service fees | $139.8M | $38.2M | $35.7M | $32.9M |
| Mortgage banking and servicing rights income | $6.1M | $13.0M | $10.0M | — |
| Prepayment penalty fee income | $6.4M | $2.8M | $5.1M | $5.6M |
| Gain on acquisition | $0 | $0 | $92.4M | — |
| Total non-interest income | $233.6M | $131.1M | $222.7M | $120.5M |
| Salaries and related costs | $323.0M | $298.0M | $250.9M | $204.3M |
| Data and operational processing | $91.9M | $80.4M | $69.4M | $60.6M |
| Depreciation and amortization | $80.6M | $29.0M | $27.1M | $23.4M |
| Advertising and promotional | $49.1M | $47.8M | $42.8M | $37.1M |
| Professional services | $42.8M | $37.6M | $36.5M | $29.3M |
| Occupancy and equipment | $22.4M | $17.7M | $16.7M | $15.6M |
| FDIC and regulatory fees | $27.7M | $27.6M | $20.5M | $15.5M |
| Broker-dealer clearing charges | $17.7M | $17.1M | $18.3M | $13.4M |
| General and administrative expense | $77.4M | $34.6M | $33.9M | $47.9M |
| Total non-interest expense | $732.7M | $589.7M | $516.1M | $447.1M |
| INCOME BEFORE INCOME TAXES | $646.7M | $613.4M | $635.5M | $431.7M |
| INCOME TAXES | $156.3M | $180.5M | $185.5M | $124.6M |
| NET INCOME | $490.4M | $432.9M | $450.0M | $307.2M |
| Basic earnings per common share (in dollars per share) | $8.66 | $7.61 | $7.82 | $5.15 |
| Diluted earnings per common share (in dollars per share) | $8.48 | $7.43 | $7.66 | $5.07 |
| Line item | Mar 31, 2026 · Q3 | Dec 31, 2025 · Q2 | Sep 30, 2025 · Q1 | Mar 31, 2025 · Q3 |
|---|---|---|---|---|
| Loans, including fees | $453.4M | $478.1M | $429.6M | $394.8M |
| Securities borrowed and customer receivables | $7.2M | $7.7M | $6.8M | $6.1M |
| Investments and other | $17.6M | $28.0M | $29.4M | $31.9M |
| Total interest and dividend income | $478.2M | $513.8M | $465.7M | $432.7M |
| Deposits | $151.7M | $167.3M | $169.4M | $152.7M |
| Advances from the Federal Home Loan Bank | $6.8M | $313.0K | $313.0K | $306.0K |
| Securities loaned | $202.0K | $269.0K | $285.0K | $333.0K |
| Other borrowings | $13.3M | $14.2M | $4.7M | $3.9M |
| Total interest expense | $172.0M | $182.1M | $174.7M | $157.3M |
| Net interest income | $306.3M | $331.7M | $291.1M | $275.5M |
| Provision for credit losses | $41.0M | $25.0M | $17.3M | $14.5M |
| Net interest income, after provision for credit losses | $265.3M | $306.7M | $273.8M | $261.0M |
| Broker-dealer fee income | $11.8M | $11.1M | $10.9M | $12.1M |
| Advisory fee income | $9.4M | $8.8M | $8.5M | $8.1M |
| Banking and service fees | $60.5M | $31.7M | $10.8M | $10.3M |
| Mortgage banking and servicing rights income | $3.7M | $644.0K | $1.4M | $1.5M |
| Prepayment penalty fee income | $514.0K | $1.0M | $652.0K | $1.4M |
| Total non-interest income | $86.0M | $53.4M | $32.3M | $33.4M |
| Salaries and related costs | $81.6M | $82.2M | $76.6M | $74.7M |
| Data and operational processing | $23.1M | $21.8M | $22.1M | $21.8M |
| Depreciation and amortization | $22.3M | $23.2M | $8.3M | $6.8M |
| Advertising and promotional | $13.2M | $12.7M | $12.2M | $11.4M |
| Professional services | $10.9M | $9.3M | $13.3M | $8.2M |
| Occupancy and equipment | $5.8M | $5.2M | $4.6M | $4.6M |
| FDIC and regulatory fees | $8.3M | $6.7M | $5.6M | $7.6M |
| Broker-dealer clearing charges | $4.5M | $4.3M | $4.2M | $4.2M |
| General and administrative expense | $16.4M | $19.1M | $9.3M | $6.8M |
| Total non-interest expense | $186.0M | $184.6M | $156.2M | $146.3M |
| INCOME BEFORE INCOME TAXES | $165.3M | $175.5M | $149.9M | $148.1M |
| INCOME TAXES | $40.6M | $47.1M | $37.5M | $42.9M |
| NET INCOME | $124.7M | $128.4M | $112.4M | $105.2M |
| Basic earnings per common share (in dollars per share) | $2.20 | $2.27 | $1.99 | $1.84 |
| Diluted earnings per common share (in dollars per share) | $2.15 | $2.22 | $1.94 | $1.81 |
| Line item | Jun 30, 2026 · FY | Jun 30, 2025 · FY | Jun 30, 2024 · FY | Jun 30, 2023 · FY |
|---|---|---|---|---|
| Cash and cash equivalents | $1.1B | $1.9B | $2.0B | $2.2B |
| Restricted cash | $199.2M | $242.5M | $205.8M | — |
| Total cash, cash equivalents and restricted cash | $1.3B | $2.2B | $2.2B | — |
| Trading securities | $661.0K | $649.0K | $353.0K | $758.0K |
| Available-for-sale securities | $803.7M | $66.0M | $141.6M | $232.3M |
| Stock of regulatory agencies | $36.2M | $35.2M | $22.0M | $21.5M |
| Loans held for sale, carried at fair value | $14.9M | $10.0M | $16.5M | $23.2M |
| Loans held for sale, lower of cost or fair value | $5.1M | — | $0 | $776.0K |
| Loans—net of allowance for credit losses of $347,375 as of June 30, 2026 and $290,049 as of June 30, 2025 | $25.6B | $21.0B | $19.2B | $16.5B |
| Servicing rights, carried at fair value | $25.7M | $27.2M | $28.9M | $25.4M |
| Securities borrowed | $163.5M | $139.4M | $67.2M | $134.3M |
| Customer, broker-dealer and clearing receivables | $347.9M | $252.7M | $240.0M | $374.1M |
| Goodwill and other intangible assets—net | $249.3M | $134.5M | $141.8M | $152.1M |
| Other assets | $1.4B | $891.4M | $779.8M | $545.1M |
| TOTAL ASSETS | $30.0B | $24.8B | $22.9B | $20.3B |
| Non-interest-bearing | $3.8B | $3.0B | $3.0B | $2.9B |
| Interest-bearing | $20.7B | $17.8B | $16.4B | $14.2B |
| Total deposits | $24.6B | $20.8B | $19.4B | $17.1B |
| Advances from the Federal Home Loan Bank | $154.0M | $60.0M | $90.0M | $90.0M |
| Secured financings | $576.7M | — | — | — |
| Borrowings, subordinated notes and debentures | $342.9M | $312.7M | $325.7M | $361.8M |
| Securities loaned | $194.7M | $139.4M | $74.2M | $159.8M |
| Customer, broker-dealer and clearing payables | $365.8M | $350.6M | $301.1M | $445.5M |
| Accounts payable and other liabilities | $595.9M | $410.2M | $414.5M | $251.1M |
| Total liabilities | $26.8B | $22.1B | $20.6B | $18.4B |
| Common stock—$0.01 par value; $150,000,000 shares authorized, $71,939,630 shares issued and $56,734,049 shares outstanding as of June 30, 2026; $71,101,642 shares issued and $56,483,617 shares outstanding as of June 30, 2025 | 719.0K | 711.0K | 702.0K | 695.0K |
| Additional paid-in capital | $592.9M | $548.9M | $510.2M | $479.9M |
| Accumulated other comprehensive income (loss)—net of income tax | $3.9M | $348.0K | ($2.5M) | ($6.6M) |
| Retained earnings | $3.1B | $2.6B | $2.2B | $1.7B |
| Treasury stock, at cost; $15,205,581 shares as of June 30, 2026 and $14,618,025 shares as of June 30, 2025 | -540.0M | -487.8M | -403.5M | -292.4M |
| Total stockholders’ equity | $3.2B | $2.7B | $2.3B | $1.9B |
| TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY | $30.0B | $24.8B | $22.9B | $20.3B |
| Line item | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Mar 31, 2025 |
|---|---|---|---|---|
| Cash and cash equivalents | $1.2B | $1.0B | $2.6B | $2.0B |
| Restricted cash | $183.2M | $330.5M | $324.9M | $256.4M |
| Total cash, cash equivalents and restricted cash | $1.4B | $1.3B | $2.9B | $2.3B |
| Trading securities | $444.0K | $880.0K | $533.0K | $346.0K |
| Available-for-sale securities | $801.4M | $811.1M | $57.8M | $80.0M |
| Stock of regulatory agencies | $68.1M | $35.2M | $35.3M | $35.3M |
| Loans held for sale, carried at fair value | $24.0M | $18.8M | $12.2M | $15.6M |
| Loans—net of allowance for credit losses of $346,702 as of March 31, 2026 and $290,049 as of June 30, 2025 | $25.0B | $24.3B | $22.6B | $20.2B |
| Servicing rights, carried at fair value | $26.3M | $25.4M | $26.2M | $27.6M |
| Securities borrowed | $133.0M | $109.1M | $182.5M | $91.9M |
| Customer, broker-dealer and clearing receivables | $333.7M | $277.3M | $263.1M | $300.9M |
| Goodwill and other intangible assets—net | $211.0M | $196.1M | $205.7M | $136.0M |
| Other assets | $1.3B | $1.1B | $1.1B | $842.2M |
| TOTAL ASSETS | $29.2B | $28.2B | $27.4B | $24.0B |
| Non-interest-bearing | $3.4B | $3.2B | $3.4B | $3.0B |
| Interest bearing | $19.0B | $20.0B | $18.9B | $17.2B |
| Total deposits | $22.4B | $23.2B | $22.3B | $20.1B |
| Advances from the Federal Home Loan Bank | $1.8B | $60.0M | $60.0M | $60.0M |
| Secured financings | $634.5M | $691.5M | $782.4M | — |
| Borrowings, subordinated notes and debentures | $378.1M | $364.8M | $510.1M | $377.4M |
| Securities loaned | $148.7M | $128.9M | $204.6M | $111.1M |
| Customer, broker-dealer and clearing payables | $338.6M | $358.7M | $385.8M | $314.4M |
| Accounts payable and other liabilities | $490.9M | $434.6M | $431.0M | $377.6M |
| Total liabilities | $26.2B | $25.3B | $24.6B | $21.4B |
| Common stock—$0.01 par value; 150,000,000 shares authorized; 71,724,042 shares issued and 56,882,190 shares outstanding as of March 31, 2026; 71,101,642 shares issued and 56,483,617 shares outstanding as of June 30, 2025 | 717.0K | 714.0K | 714.0K | 708.0K |
| Additional paid-in capital | $583.1M | $566.8M | $557.7M | $539.9M |
| Accumulated other comprehensive income (loss)—net of income tax | $4.5M | $1.9M | $64.0K | $1.1M |
| Retained earnings | $3.0B | $2.9B | $2.7B | $2.5B |
| Treasury stock, at cost; 14,841,852 shares as of March 31, 2026 and 14,618,025 shares as of June 30, 2025 | -507.0M | -498.6M | -496.3M | -445.7M |
| Total stockholders’ equity | $3.1B | $2.9B | $2.8B | $2.6B |
| TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY | $29.2B | $28.2B | $27.4B | $24.0B |
| Line item | Jun 30, 2026 · FY | Jun 30, 2025 · FY | Jun 30, 2024 · FY | Jun 30, 2023 · FY |
|---|---|---|---|---|
| Net income | $490.4M | $432.9M | $450.0M | $307.2M |
| Depreciation and amortization | $80.6M | $29.0M | $27.1M | $23.4M |
| Other accretion and amortization | ($90.9M) | ($108.1M) | ($58.3M) | ($1.6M) |
| Stock-based compensation expense | $44.3M | $42.0M | $35.2M | $26.1M |
| Trading activity | ($12.0K) | ($296.0K) | $405.0K | $1.0M |
| Provision for credit losses | $101.1M | $55.7M | $32.5M | $24.8M |
| Deferred income taxes | $93.2M | ($28.0M) | $33.1M | ($19.6M) |
| Origination of loans held for sale | ($240.4M) | ($199.8M) | ($197.3M) | ($160.6M) |
| Unrealized and realized gains on loans held for sale and held for investment at fair value | ($5.2M) | ($9.6M) | ($8.6M) | ($8.0M) |
| Proceeds from sale of loans held for sale | $223.1M | $195.2M | $209.5M | $149.1M |
| Change in the fair value of servicing rights | $3.1M | $2.6M | ($2.3M) | $634.0K |
| Gain on FDIC Loan Purchase | $0 | $0 | ($92.4M) | — |
| Gain on repurchase of subordinated notes | $0 | ($729.0K) | ($973.0K) | — |
| Securities borrowed | ($24.1M) | ($72.2M) | $67.1M | $204.6M |
| Customer, broker-dealer and clearing receivables | ($95.2M) | ($12.7M) | $134.0M | $43.3M |
| Other assets | ($204.0M) | $18.5M | ($114.0M) | ($13.7M) |
| Securities loaned | $55.3M | $65.2M | ($85.7M) | ($314.6M) |
| Customer, broker-dealer and clearing payables | $15.2M | $49.5M | ($144.3M) | ($66.2M) |
| Accounts payable and other liabilities | $111.0M | $31.0M | $20.4M | ($7.9M) |
| Net cash provided by (used in) operating activities | $557.6M | $490.3M | $305.5M | $188.0M |
| Purchases of available-for-sale securities | ($768.8M) | ($22.4M) | ($9.6M) | ($32.7M) |
| Proceeds from sale and repayment of available-for-sale securities | $17.3M | $100.3M | $106.2M | — |
| Purchase of stock of regulatory agencies | ($111.8M) | ($12.4M) | $0 | ($108.7M) |
| Proceeds from redemption of stock of regulatory agencies | $111.7M | $0 | $0 | $108.7M |
| Net change in loans held for investment at amortized cost and at fair value | ($3.7B) | ($2.2B) | ($1.8B) | — |
| Proceeds from sale of loans originally classified as held for investment | $180.5M | $440.1M | $39.2M | $14.2M |
| Proceeds from sale of other real estate owned and repossessed assets | $6.6M | $2.2M | $4.8M | $4.2M |
| Purchase of BOLI policies | $0 | ($100.0M) | — | — |
| Acquisition of business, net of cash acquired | ($474.4M) | $0 | $0 | ($5.5M) |
| Purchases of premises, furniture, equipment, software and intangibles | ($266.4M) | ($54.2M) | ($36.0M) | ($30.2M) |
| Purchases of other investments | ($19.4M) | ($19.3M) | ($12.4M) | — |
| Distributions received from other investments | $75.0K | $81.0K | $2.0M | — |
| Net cash provided by (used in) investing activities | ($5.0B) | ($1.8B) | ($2.6B) | ($2.4B) |
| Net increase in deposits | $3.7B | $1.5B | $2.2B | $3.2B |
| Repayments of the Federal Home Loan Bank term advances | $0 | ($30.0M) | $0 | ($27.5M) |
| Net (repayment) proceeds of Federal Home Loan Bank other advances | $94.0M | — | $0 | $0 |
| Net (repayment) proceeds of other borrowings | $0 | $0 | ($27.2M) | ($84.3M) |
| Redemption of subordinated notes | ($160.5M) | — | — | $0 |
| Payments related to settlement of restricted stock units | ($30.2M) | ($27.6M) | ($16.2M) | ($6.1M) |
| Purchase of treasury stock | ($22.0M) | ($58.2M) | ($96.3M) | ($49.0M) |
| Repayment of secured financings | ($197.1M) | — | — | — |
| Repurchase of subordinated notes | $0 | ($13.2M) | ($8.9M) | — |
| Payment of debt issuance costs | ($2.9M) | — | $0 | $0 |
| Proceeds from issuance of subordinated notes | $200.0M | — | $0 | $0 |
| Repayment of subordinated loans | ($7.4M) | — | — | — |
| Line item | Mar 31, 2026 · YTD | Dec 31, 2025 · YTD | Sep 30, 2025 · Q1 | Mar 31, 2025 · YTD |
|---|---|---|---|---|
| Net income | $365.4M | $240.7M | $112.4M | $322.2M |
| Depreciation and amortization | $53.8M | $31.5M | $8.3M | $21.3M |
| Other accretion and amortization | ($76.5M) | ($61.1M) | ($21.7M) | ($83.1M) |
| Stock-based compensation expense | $32.6M | $21.3M | $10.8M | $30.8M |
| Trading activity | $205.0K | ($231.0K) | $116.0K | $7.0K |
| Provision for credit losses | $83.3M | $42.3M | $17.3M | $40.7M |
| Deferred income taxes | $61.7M | $54.9M | $38.9M | ($14.8M) |
| Origination of loans held for sale | ($178.2M) | ($108.1M) | ($47.1M) | ($157.4M) |
| Unrealized and realized gains on loans held for sale | ($2.5M) | ($1.5M) | ($783.0K) | ($2.2M) |
| Proceeds from sale of loans held for sale | $156.7M | $93.6M | $44.9M | $151.8M |
| Change in the fair value of servicing rights | $2.0M | $2.4M | $1.2M | $1.9M |
| Gain on repurchase of subordinated notes | $0 | $0 | $0 | ($604.0K) |
| (Gain)/loss on cash flow hedges | ($4.3M) | — | — | — |
| Securities borrowed | $6.4M | $30.3M | ($43.1M) | ($24.7M) |
| Customer, broker-dealer and clearing receivables | ($81.0M) | ($24.6M) | ($10.4M) | ($60.9M) |
| Other assets | ($168.8M) | ($49.5M) | ($52.7M) | $66.6M |
| Securities loaned | $9.2M | ($10.6M) | $65.2M | $36.9M |
| Customer, broker-dealer and clearing payables | ($12.0M) | $8.1M | $35.2M | $13.3M |
| Accounts payable and other liabilities | $16.5M | ($47.0M) | ($40.1M) | ($34.9M) |
| Net cash provided by operating activities | $264.6M | $222.5M | $118.4M | $307.0M |
| Purchases of available-for-sale securities | ($758.8M) | ($758.8M) | $0 | ($22.4M) |
| Proceeds from sale and repayment of available-for-sale securities | $16.7M | $15.8M | $8.6M | $85.8M |
| Purchase of stock of regulatory agencies | ($70.9M) | $0 | $0 | ($12.4M) |
| Proceeds from redemption of stock of regulatory agencies | $39.0M | — | — | — |
| Net change in loans held for investment | ($3.0B) | ($2.3B) | ($637.2M) | ($1.1B) |
| Proceeds from sale of loans originally classified as held for investment | $159.8M | $137.3M | $82.3M | $230.6M |
| Proceeds from sale of other real estate owned and repossessed assets | $1.5M | $802.0K | $260.0K | $1.4M |
| Purchase of BOLI policies | $0 | $0 | — | ($100.0M) |
| Acquisition of business, net of cash acquired | ($474.4M) | ($474.4M) | ($474.4M) | — |
| Purchases of premises, furniture, equipment, software and intangibles | ($171.1M) | ($27.8M) | ($9.1M) | ($32.4M) |
| Purchases of other investments | ($13.5M) | ($5.7M) | ($3.8M) | ($12.6M) |
| Distributions received from other investments | $75.0K | $75.0K | $75.0K | $81.0K |
| Net cash used in investing activities | ($4.3B) | ($3.4B) | ($1.0B) | ($992.3M) |
| Net increase in deposits | $1.6B | $2.4B | $1.4B | $777.5M |
| Repayments of the Federal Home Loan Bank term advances | $0 | $0 | — | ($30.0M) |
| Net (repayment) proceeds of Federal Home Loan Bank other advances | $1.7B | — | — | — |
| Net (repayment) proceeds of other borrowings | $28.0M | $15.0M | — | $63.5M |
| Redemption of subordinated notes | ($160.5M) | — | — | — |
| Payments related to settlement of restricted stock units | ($19.2M) | ($10.8M) | ($8.5M) | ($16.1M) |
| Purchase of treasury stock | $0 | — | — | ($25.9M) |
| Repayment of secured financings | ($140.4M) | ($84.9M) | — | — |
| Repurchase of subordinated notes | $0 | — | $0 | ($11.8M) |
| Payment of debt issuance costs | ($2.9M) | ($2.9M) | ($2.5M) | — |
| Proceeds from issuance of subordinated notes | $200.0M | $200.0M | $200.0M | — |
| Net cash provided by financing activities | $3.2B | $2.4B | $1.6B | $757.2M |
Axos Financial, Inc. score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.