Axos Financial Q4 net income rises to $110.7 million; diluted EPS $1.92
Axos Financial reported unaudited results for the fiscal fourth quarter ended June 30, 2025, with net income of $110.7 million, or $1.92 per diluted share, up from $104.9 million, or $1.80, a year earlier. Full-year net income fell to $432.9 million from $450.0 million, a decline the company ties to a one-time $92.4 million pre-tax gain from the FDIC Loan Purchase in fiscal 2024, while full-year adjusted EPS rose 11.3% to $7.50.
Key points
- Fourth-quarter net loan growth of $856 million; ending net loans were $21.0 billion at June 30, 2025
- Net interest margin was 4.84% for the quarter, up from 4.78% in the prior quarter
- Non-interest expense rose $10.1 million to $150.7 million, mainly from higher salaries and data processing costs
- Company expects its effective tax rate to fall by three percentage points starting with the period ending September 30, 2025
The filing
Written by AI on Nov 8, 2026, 1:05 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 30, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.