Axos Financial, Inc. Earnings Recaps
Q2 2026
Jan 30, 2026
Axos Financial reported robust Q2 2026 results, marked by significant loan growth and a 23.3% increase in earnings per share year-over-year, highlighting strong operational performance across lending segments.
Key takeaways
- Net loan growth reached $1 billion quarter-over-quarter, driven by broad growth in asset-based lending areas.
- Net interest income rose to $331.6 million, a 14% increase linked quarter, aided by gains in various lending sectors.
- Nonperforming assets improved, with total nonaccrual loans declining to 61 basis points, and net income increased 22.6% year-over-year to $128.4 million.
Q4 2025
Aug 1, 2025
Axos Financial's strong Q4 2025 performance is marked by significant net loan growth of $856 million, an 18% increase in book value per share, and a substantial net interest margin of 4.84%.
Key takeaways
- Net interest income rose 7.7% year-over-year to $280 million, driven by strong loan originations across various segments.
- Nonaccrual loans declined by $15 million, improving the nonaccrual loans to total loans ratio to 0.79%.
- Diluted EPS increased to $1.92 from $1.81 in the previous quarter, with an adjusted EPS of $1.87 excluding nonrecurring items.
- Total deposits increased by 7.6% year-over-year to $20.8 billion, reflecting robust growth across consumer and commercial banking segments.
- Average loan yields remained steady at 8%, supported by a diversified funding base and effective management of operating expenses.