NYSE$AX

Axos Financial Inc · Q1 2025 earnings

Q1 2025 earnings · · Investor relations

Briefing

Announced unaudited financial results for the first fiscal quarter ended September 30, 2024.

Axos Financial, Inc. reported a net income of $112.3 million for the first quarter of fiscal year 2025, representing a 35.9% increase compared to the same quarter last year. Diluted earnings per share (EPS) increased by 39.9% year-over-year to $1.93. The company's net interest income rose by 38.3%, driven by expansion in net interest margin.

  • Net income increased by 35.9% year-over-year to $112.3 million.
  • Diluted EPS increased by 39.9% year-over-year to $1.93.
  • Net interest income increased by 38.3% year-over-year.
  • Total assets reached $23.6 billion, a 3.1% increase from the previous quarter.

Headline financials

Total Revenue

$321M

Previous: $246M+30.5%
EPS

$1.93

Previous: $1.41+36.9%
Net Interest Margin

5.2%

Previous: 4.4%+18.6%
Efficiency Ratio

46.0%

No prior period
Non-accrual Loans to Total Loans

0.9%

No prior period
Allowance for Credit Losses - Loans to Total Loans Held for Investment

1.4%

No prior period
Allowance for Credit Losses - Loans to Non-accrual Loans

149.3%

No prior period
Total Capital (to Risk-Weighted Assets)

14.1%

Previous: 14.1%+0.0%
Capital Expenditures

-$17.8M

No prior period
Free Cash Flow

$112M

Previous: $82.6M+35.9%
Net Income

$112M

Previous: $82.6M+35.9%
Operating Income

$66.6M

Previous: $37.4M+77.9%
Gross Profit

$321M

Previous: $246M+30.5%
Cash & Equivalents

$2.57B

Previous: $2.41B+6.5%
Total Assets

$23.6B

Previous: $20.8B+13.2%
Stock-Based Comp

$10.2M

Previous: $6.8M+50.5%

Revenue & EPS history

Axos Financial · Revenue · Quarterly

$321M

Q1 2025+30.5%vs Q1 2024
Beat estimate in 12 of 14 quarters(86%)
ActualEstimate

Revenue by segment

Axos Financial · $47.1M total across 2 segments · Q1 2024

  • Securities Business Segment
    $34.6M+708.3%
  • Banking Business Segment
    $12.6M-93.0%

Forward guidance

This press release contains forward-looking statements that involve risks and uncertainties, including without limitation statements relating to Axos’ financial prospects and other projections of its performance and asset quality, Axos’ deposit balances and capital ratios, Axos’ ability to continue to grow profitably and increase its business, Axos’ ability to continue to diversify its lending and deposit franchises, the anticipated timing and financial performance of other offerings, initiatives, and acquisitions, expectations of the environment in which Axos operates and projections of future performance.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+1.4%

Avg return

Earnings day

+1.0%

Avg return

5 days after

+3.7%

Avg return

30 days after

67%

43 / 64 earnings

Positive

+15.8%

Q3 2020

Best reaction

-20.5%

Q1 2016

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q3 2026+1.7%-8.7%-9.9%
Q2 2026+4.7%+4.8%-8.3%
Q1 2026-0.4%+1.8%+3.6%
Q3 2025+3.2%+5.8%+9.5%
Q2 2025-4.2%-4.8%-7.7%
Q1 2025+2.1%-1.6%+25.0%
Q4 2024-4.7%-12.3%-10.4%
Q3 2024+7.6%+11.5%+4.8%
Q2 2024-2.5%-6.3%-8.4%
Q1 2024-4.4%-1.2%+5.2%
Q4 2023+3.3%-3.1%-11.9%
Q3 2023+13.3%+7.6%+14.6%
Q2 2023+14.8%+15.3%+14.0%
Q1 2023+6.8%+6.6%+9.6%
Q4 2022+0.7%+2.2%-4.2%
Q3 2022-5.2%-3.3%-3.2%
Q2 2022-2.6%-0.2%+2.9%
Q1 2022+3.8%+8.5%+13.8%
Q4 2021+0.2%-0.1%+3.9%
Q3 2021-1.8%-1.0%+3.1%
Q2 2021-0.8%+6.9%+17.9%
Q1 2021+4.8%+13.3%+34.2%
Q4 2020+9.9%+7.7%+23.5%
Q3 2020+15.8%+9.4%+9.5%
Q2 2020+1.2%-0.8%-11.4%
Q1 2020-3.6%-3.8%-3.9%
Q4 2019+8.6%-1.2%-5.5%
Q3 2019-8.3%-5.6%-16.0%
Q2 2019+7.8%+9.8%+13.3%
Q1 2019-11.2%-9.6%-7.2%
Q4 2018-7.3%-7.0%-10.1%
Q3 2018-4.4%-6.0%-4.1%
Q2 2018+7.8%+9.6%+13.5%
Q1 2018-7.2%-6.2%-8.5%
Q4 2017+6.0%+12.1%+4.2%
Q3 2017-8.3%-9.6%-14.3%
Q2 2017+3.8%+2.6%+13.0%
Q1 2017-14.5%-14.7%+14.9%
Q4 2016+5.3%+11.5%+34.6%
Q3 2016+4.8%
Q2 2016-5.0%
Q1 2016-20.5%
Q4 2015+8.5%
Q3 2015-0.8%
Q2 2015+1.9%
Q1 2015+0.8%
Q4 2014+4.3%
Q3 2014+2.1%
Q2 2014+2.9%
Q1 2014+9.8%
Q4 2013+11.9%
Q3 2013+1.9%
Q2 2013-0.2%
Q1 2013+0.4%
Q4 2010+2.3%
Q4 2012+5.6%
Q3 2011+1.7%
Q3 2012+1.7%
Q2 2012+1.1%
Q2 2011+1.1%
Q4 2011+2.2%
Q1 2012+2.2%
Q1 2011+2.2%
Q3 2010+2.8%

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