Axos Financial, Inc.
AXOther · Large accelerated filer · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $65.8M | $64.6M | $65.3M | $59.4M | $31.3M | $26.8M |
| Operating income | — | — | — | — | — | — |
| Net income | $432.9M | $450.0M | $307.2M | $240.7M | $215.7M | $183.4M |
| Total assets | $24.78B | $22.86B | $20.35B | $17.40B | $14.27B | $13.85B |
| Total liabilities | $22.10B | $20.56B | $18.43B | $15.76B | $12.86B | $12.62B |
| Equity | $2.68B | $2.29B | $1.92B | $1.64B | $1.40B | $1.23B |
| EPS (diluted) | $7.43 | $7.66 | $5.07 | $3.97 | $3.56 | $2.98 |
| Shares out. | 56.5M | 56.9M | 60.0M | 60.0M | 59.4M | 59.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 658.0%
- Return on equity
- 16.1%
- Return on assets
- 1.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.2%
- Debt / equity
- 8.25×
- Book value / share
- $47.46
- Revenue growth (YoY)
- 1.8%
- Net income growth (YoY)
- −3.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 4 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Aug 30, 2022
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Capital Management LlcPassive (13G)Apr 29, 2026
- Vanguard Portfolio Management LlcPassive (13G)Apr 28, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- State Street CorpPassive (13G)Aug 11, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Watson Michael James | May 19, 2026 | Sell | 1,653 | $83.77 |
| Argalas James SDirector | May 12, 2026 | Gift | 2,100 | $84.66 |
| Santi Roque ADirector | May 8, 2026 | Sell | 500 | $87.77 |
| Watson Michael JamesOfficer — EVP, Head of Axos Securities | Mar 20, 2026 | Option exercise | 983 | $82.93 |
| Walsh DerrickOfficer — EVP, Chief Financial Officer | Mar 20, 2026 | Option exercise | 1,360 | $82.93 |
| Tolla John CharlesOfficer — EVP, Chief Risk Officer | Mar 20, 2026 | Option exercise | 2,943 | $82.93 |
| Thiele Candace LOfficer — EVP, Chief Administrative Offi | Mar 20, 2026 | Option exercise | 444 | $82.93 |
| Swanson Brian DOfficer — President, Consumer Bank | Mar 20, 2026 | Option exercise | 2,943 | $82.93 |
| Matsumoto Raymond DOfficer — EVP, Chief Operating Officer | Mar 20, 2026 | Option exercise | 1,621 | $82.93 |
| Gill AnnOfficer — SVP, Chief Accounting Officer | Mar 20, 2026 | Option exercise | 601 | $82.93 |
| Crow David MOfficer — EVP, Head of Clearing | Mar 20, 2026 | Option exercise | 583 | $82.93 |
| Constantine Thomas MOfficer — EVP, Chief Credit Officer | Mar 20, 2026 | Option exercise | 1,124 | $82.93 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 3.2M | 5.7 | +0.7% |
| Apr 30, 2026 | 3.2M | 10.1 | +9.6% |
| Apr 15, 2026 | 2.9M | 6.8 | +8.0% |
| Mar 31, 2026 | 2.7M | 6.0 | +3.0% |
| Mar 13, 2026 | 2.6M | 7.4 | +4.6% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Regulation FD disclosureMay 4, 2026
- Completed an acquisition or dispositionMay 4, 2026
- Results of operationsApr 30, 2026
- Entered a material agreementApr 23, 2026
- Other material eventMar 23, 2026
- Entered a material agreementFeb 12, 2026
- Regulation FD disclosureFeb 2, 2026
- Results of operationsJan 29, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4PRIMARY DOCUMENTMay 21, 2026
- 144May 19, 2026
- 4PRIMARY DOCUMENTMay 14, 2026
- 4PRIMARY DOCUMENTMay 12, 2026
- 8-KMay 4, 2026
- 8-KMay 4, 2026
- 10-QApr 30, 2026
- 8-KApr 30, 2026
- SCHEDULE 13GApr 29, 2026
- SCHEDULE 13GApr 28, 2026
- 8-KApr 23, 2026
- 4/APRIMARY DOCUMENTApr 7, 2026
- SCHEDULE 13G/AMar 26, 2026
- 4PRIMARY DOCUMENTMar 24, 2026
- 4PRIMARY DOCUMENTMar 24, 2026
Event-driven situations (1)
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