Axos Financial, Inc. Q4 2025 Earnings Recap

AX Q4 2025 August 1, 2025

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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%.

Earnings Per Share Beat

$1.94 vs $1.82 est.

+6.6% surprise

Revenue Miss

317164000 vs 320626200 est.

-1.1% surprise

Market Reaction

1-Day +1.33%

5-Day +5.82%

30-Day +6.65%

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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.

This summary was generated by AI from the official earnings call transcript and is provided for informational purposes only. It does not constitute financial advice. For the complete transcript and financial data, visit AX on AllInvestView.

Next Q2 2026