AX Axos Financial, Inc.
FY2025 10-K
Axos Financial, Inc. (AX) filed its fiscal year 2025 10-K annual report with the SEC on Aug 21, 2025. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Technology-driven diversified financial services with $24.8B assets and $39.4B assets under custody/administration
- • Emphasis on digital banking platforms offering nationwide consumer and commercial deposit and loan products
Management Discussion & Analysis
- • Revenue $1.128B net interest income, up 17.3% YoY from $961.4M; non-interest income $131.1M down 41.1% from $222.7M due to no FDIC gain
- • Operating margin (pre-tax margin) approx. 29.1% in FY25 ($613.4M income before taxes / $2.11B total net revenue) down from 33.2% in FY24 ($635.5M/$1.914B)
Risk Factors
- • Regulatory/legal risk: FDIC Loan Purchase involving $1.3B loans with $901.5M fair value, includes $70.1M allowance for credit losses and related derivatives exposure
- • Geopolitical/macroeconomic threat: Uncertain scenario weightings affected by inflation, interest rates, trade policies, and geopolitical unrest impacting $1.3B loan portfolio credit loss allowance
Financial SummaryXBRL
Revenue
$66M
Net Income
$433M
Net Margin
658.0%
ROE
16.1%
Total Assets
$24.8B
EPS (Diluted)
$7.43
Operating Cash Flow
$490M
Source: XBRL data from Axos Financial, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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