NYSE$AX

Axos Financial Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Axos Financial reported Q3 2025 net income of $105.2M, diluted EPS of $1.81.

For Q3 2025, Axos Financial reported net income was $105.2M, diluted EPS was $1.81. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Net income $105.2M.
  • Diluted EPS $1.81.
  • MD&A highlights operating priorities, liquidity, and sector risks.

Headline financials

Total Revenue

$309M

Previous: $295M+4.8%
EPS (adj)

$1.81

Previous: $1.91-5.2%
Net Interest Margin

4.8%

Previous: 4.9%-1.8%
Efficiency Ratio

47.4%

Previous: 45.2%+4.8%
Return on Average Common Stockholders' Equity

16.4%

Previous: 20.7%-20.6%
Tier 1 Leverage (to Adjusted Average Assets)

10.4%

Previous: 9.3%+12.0%
Return on Average Assets

1.8%

Previous: 2.0%-10.6%
Interest Rate Spread

3.9%

Previous: 3.9%+0.8%
Net Annualized Charge-offs to Average Loans

0.1%

Previous: 0.1%+28.6%
Non-accrual Loans to Total Loans

0.9%

Previous: 0.6%+41.3%
Non-performing Assets to Total Assets

0.8%

Previous: 0.6%+43.6%
Allowance for Credit Losses - Loans to Total Loans Held for Investment

1.4%

Previous: 1.4%+0.7%
Allowance for Credit Losses - Loans to Non-accrual Loans

151.3%

Previous: 210.9%-28.3%
Equity to Assets at End of Period

10.9%

Previous: 9.7%+12.0%
Common Equity Tier 1 Capital (to Risk-Weighted Assets)

12.4%

Previous: 11.5%+8.0%
Tier 1 Capital (to Risk-Weighted Assets)

12.4%

Previous: 11.5%+8.0%
Total Capital (to Risk-Weighted Assets)

15.2%

Previous: 14.3%+6.7%
Net Income

$105M

Previous: $111M-5.0%
Operating Income

$148M

Previous: $57.6M+157.1%

Revenue & EPS history

Axos Financial · Revenue · Quarterly

$309M

Q3 2025+4.8%vs Q3 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

The quarterly filing discusses operating priorities, liquidity, and sector risks.

Tailwinds

  • MD&A outlines strategic priorities and capital allocation.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year comparability.

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 Q3 2025

Historical avgQ3 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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