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Axos Financial AX Q4 2025 Annual earnings

Reported July 30, 2025 · After market close

Revenue$317.2MMiss by $3.5M
EPS$1.94Beat by $0.12
Revenue estimate$320.6M
EPS estimate$1.82

Next report

Jul 30, 2026 (Today)
Revenue estimate$375.5M
EPS estimate$2.16

Financials

Q4 2025

Income statement

See full
Revenue$321.4M+10.5%
Net income$110.7M+5.5%
EPS (diluted)$1.88+5.6%

Balance sheet

See full
Cash & equivalents$2.2B-0.4%
Total debt$371.8M-5.1%
Total equity$2.7B+17.0%
Total assets$24.8B+8.4%

Cash flow

See full
Operating cash flow$183.4M+396%
CapEx$21.8M+108%
Free cash flow$161.6M+510%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$4.24B+30.3%
Enterprise value$2.44B+66.9%
P/E9.8×+2.6×
P/S3.4×+0.6×

Profitability

See full
Net margin34.4%-3.6pp
FCF margin34.6%+11.9pp

Returns & leverage

See full
Return on equity17.4%-4.0pp
Debt / equity0.1×0.0×

Segments

By product

See full
Advisory fee income$7.9M+1.5%
Technology and service fees$866.3K-41.2%

Versus estimates

Revenue

Q3 2026$392.2MBeat by $19.7MQ2 2026$385.1MBeat by $37.8MQ1 2026$319.2MMiss by $16.3M
Q4 2025$317.2MMiss by $3.5M
Q3 2025$304.7MMiss by $384.2KQ2 2025$303.6MBeat by $1.4M

Diluted EPS

Q3 2026$1.90Miss by $0.23Q2 2026$2.25Beat by $0.18Q1 2026$2.07Beat by $0.21
Q4 2025$1.94Beat by $0.12
Q3 2025$1.81Beat by $0.07Q2 2025$1.82Beat by $0.07

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Questions, answered.

When did Axos Financial report Q4 2025 earnings?
Axos Financial (AX) reported Q4 2025 earnings on July 30, 2025 after market close.
What were Axos Financial's Q4 2025 revenue and EPS?
Axos Financial reported revenue of $317.2M and eps of $1.94 for Q4 2025.
Did Axos Financial beat estimates in Q4 2025?
Revenue missed the consensus estimate of $320.6M by $3.5M. EPS beat the consensus estimate of $1.82 by $0.12.
How did Axos Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.5% from $287.1M a year earlier and eps grew 7.8% from $1.80.
Where can I find Axos Financial's Q4 2025 SEC filings?
You can read the 10-K periodic report (0001299709-25-000125) directly on SEC EDGAR. The filing index links above go to sec.gov.