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Axos Financial AX Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Other financials

Income statement

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Revenue$392.2M+27.0%
Net income$124.7M+18.5%
EPS (diluted)$2.15+18.8%

Balance sheet

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Cash & equivalents$1.4B-40.1%
Total debt$371.8M-5.1%
Total equity$3.1B+17.7%
Total assets$29.2B+22.0%

Cash flow

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Operating cash flow$42.0M-43.0%
CapEx$143.3M+1,575%
Free cash flow$85.4M-45.4%

Valuation

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Market cap$5.78B+20.3%
P/E12.1×+1.0×
P/S4.1×+0.2×

Profitability

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Net margin33.5%-1.3pp
FCF margin31.5%+3.2pp

Returns & leverage

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Return on equity16.8%-1.0pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Axos Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Axos Financial’s 10-Q, filed April 30, 2026.

Filed
Apr 30, 2026, 4:16 PM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q1 2026
Accession
0001299709-26-000035
(Dollars in thousands, except earnings per common share)Three Months Ended / March 31, 2026Three Months Ended / March 31, 2025Nine Months Ended / March 31, 2026Nine Months Ended / March 31, 2025
Total interest expense171,980157,258528,802525,441
Net interest income306,261275,464929,020847,611
Provision for credit losses41,00014,50083,25540,748
Net interest income, after provision for credit losses265,261260,964845,765806,863
NON-INTEREST INCOME:
Broker-dealer fee income11,85012,12133,94334,220
Advisory fee income9,4048,12026,75824,047
Banking and service fees60,51610,254103,06828,680

ITEM 1.FINANCIAL STATEMENTS

FAQ

What is Axos Financial's net interest income (after provisions)?
Axos Financial (AX) reported net interest income (after provisions) of $265.26M in Q1 2026.
How has Axos Financial's net interest income (after provisions) changed year-over-year?
Axos Financial's net interest income (after provisions) increased by 1.6% year-over-year, from $260.96M to $265.26M.
What is the long-term trend for Axos Financial's net interest income (after provisions)?
Over 3 years (2022 to 2025), Axos Financial's net interest income (after provisions) has grown at a 22.5% compound annual growth rate (CAGR), from $583.41M to $1.07B.
What does net interest income (after provisions) mean?
Represents net interest income adjusted for the provision for credit losses, which accounts for expected future loan defaults. This metric provides a more accurate view of the bank's true earnings potential after accounting for the inherent risk in its loan portfolio. It is a vital measure of the quality and sustainability of the bank's core lending business.

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