Axos Financial, Inc. (AX) FY2025 10-K Annual Report
Axos Financial, Inc. (AX) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Aug 21, 2025. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Axos Financial, Inc. FY2025 10-K Analysis
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
Axos Financial, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$66M
▲ +1.8% YoY
Net Income
$433M
▼ -3.8% YoY
Net Margin
658.0%
▼ -3814bp YoY
ROE
16.1%
▼ -350bp YoY
Total Assets
$24.8B
▲ +8.4% YoY
EPS (Diluted)
$7.43
▼ -3.0% YoY
Operating Cash Flow
$490M
▲ +60.5% YoY
Source: XBRL data from Axos Financial, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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