AX Axos Financial, Inc.
Q4 2025 10-Q
Filed: Jan 29, 2026Period ending Dec 31, 2025
Financials
Savings Institution, Federally CharteredSEC EDGAR Axos Financial, Inc. (AX) 10-Q quarterly report for Q4 2025, filed with SEC EDGAR on Jan 29, 2026 for the fiscal period ending Dec 31, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
AI Filing AnalysisQ4 2025 10-Q
Management Discussion & Analysis
- • Revenue $385.1M, up 34.4% YoY ($287.9M in Q4 2024, calculated from net interest + non-interest income)
- • Net interest income $331.7M (+18.4% YoY); net interest margin 4.94% vs 4.83% YoY; banking segment income before tax $186.8M vs $152.9M YoY
Risk Factors
- • New acquisition risk: $1.0B loans and leases acquired from Verdant Commercial Capital on Sept 30, 2025, including $211M Purchased Credit Deteriorated (PCD) assets
- • Updated operational risk: expanded equipment leasing business increasing asset base by $212.6M in operating leases from Verdant acquisition
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