Axos Financial, Inc.(AX)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Axos Financial, Inc. (AX) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores AX at 60.3/100 on a 32-signal composite quality model, placing it at rank #867 of 2,961 stocks — the top half of the AI-ranked universe. AX scores in the top quartile across profitability (90.0). Shareholder dilution risk is elevated at 4.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Axos Financial, Inc. reports quarterly revenue of $379.8M, net income of $124.9M, an operating margin of 41.1%. Top institutional holders of AX by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET, based on the most recent SEC filings. AX trades on the NYSE exchange and files with the SEC under CIK 1299709. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate AX daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Axos Financial, Inc. directly from SEC EDGAR.
AI Quality Score
60.3/100
AI Rank
#867
Revenue
$379.8M
Net Income
$124.9M
Free Cash Flow
$197.7M
Operating Margin
41.1%
AX key financials by period
Axos Financial, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2026
10-K
$1.5B
$490.4M
43.7%
FY 2025
10-K
$1.3B
$432.9M
48.7%
FY 2024
10-K
$1.2B
$450.0M
53.7%
FY 2023
10-K
$903.6M
$307.2M
47.8%
FY 2022
10-K
$720.5M
$240.7M
47.2%
FY 2021
10-K
$644.0M
$215.7M
47.5%
Institutions holding AX
Institutional investors reporting a position in Axos Financial, Inc. on SEC Form 13F.
AI-extracted from the 10-K filed 2026-08-20 — FY2026 (year ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Axos Financial reported net income of $490.4M (+13.3% YoY) on total revenue of $1.48B, driven by 10.5% growth in net interest income and 78.2% surge in non-interest income from acquisitions.
Biggest Revenue Drivers
Net interest income$1.25B+10.5% YoY
Higher average loan balances offset by lower rates earned; partially offset by increased interest expense on secured financings from Verdant acquisition and FHLB advances.
Non-interest income$233.6M+78.2% YoY
Increased banking and servicing fee income from Verdant acquisition and commercial office complex operating lease rental income; $22.0M legal settlement in Company's favor.
Biggest Revenue Drivers
Total revenue: $1.48B+16.2% YoY
Net interest income$1.25B+10.5% YoY
Higher average loan balances offset by lower rates earned; partially offset by increased interest expense on secured financings from Verdant acquisition and FHLB advances.
Non-interest income$233.6M+78.2% YoY
Increased banking and servicing fee income from Verdant acquisition and commercial office complex operating lease rental income; $22.0M legal settlement in Company's favor.
Largest Expense Items
Salaries and related costs$323.0M+8.4% YoY
Increased headcount and salaries, including impact of Verdant acquisition; 2,191 full-time employees at June 30, 2026 vs. 1,989 at June 30, 2025.
Margins: Net interest margin compressed to 4.70% from 4.90% YoY, primarily due to lower rates earned on loans and interest-bearing deposits partially offset by lower rates paid on deposits. Banking Business Segment NIM of 4.74% exceeds consolidated NIM, reflecting securities financing operations drag.
Watch Items from the Filing
Loan portfolio concentration: 37.4% of real estate loans secured by New York properties and 33.5% by California properties, creating significant geographic risk to state-level downturns.
Commercial real estate exposure totaling $8.9B (34% of loan portfolio) with $509.5M (7%) in office buildings; remote/hybrid work trends pose valuation and repayment risks.
Non-performing assets decreased to $159.0M (0.53% of assets) from $175.4M (0.71%), showing improvement in asset quality despite loan growth.
FINRA arbitration matter resulted in $21.0M accrual in FY2026; COR Securities declaratory judgment settlement required $7.0M accrual, indicating litigation and compliance risks.
Regulatory capital ratios declined: Common Equity Tier 1 ratio fell to 11.76% from 12.52% YoY, though still well above 6.5% 'well-capitalized' threshold.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
