AX on NYSE

Axos Financial

American Bank holding company

Axos Financial, Inc. is an American bank holding company based in Las Vegas, Nevada, and is the parent of Axos Bank, a direct bank on the list of largest banks in the United States.3 From Wikipedia, CC BY-SA 4.0

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Last updated Oct 16, 2026.

Overview

$81.3MRevenue, fiscal 20264
$490.4MNet income, fiscal 20264
1999Founded1

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  • TickerAX on NYSE1
  • Industrybank1
  • HeadquartersSan Diego1
  • Websitewww.bofiholding.com
  • Listed onNasdaq (BOFI), New York Stock Exchange (AX)1
  • Incorporated inDE5
  • Business address9205 West Russell Road, Suite #400, Las Vegas, Nv 891485
  • Filer categoryLarge accelerated filer5

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Axos Financial, Inc. is an American bank holding company based in Las Vegas, Nevada, and is the parent of Axos Bank, a direct bank on the list of largest banks in the United States. It also offers registered investment adviser services and an electronic trading platform.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2026

603.5%Net margin4
23.5%Revenue growth, 20264
15.5%Return on equity4
0.11×Debt to equity4

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Advisory Fee Income brought in 44% of the revenue Axos Financial broke down this way in fiscal 2026.

  1. Advisory Fee Income$36.0M444%up 13% from 2025
  2. Broker Dealer Clearing Fees$24.2M430%up 9% from 2025
  3. Card Fees And Other$10.0M412%up 250% from 2025
  4. Deposit Service Fees$8.4M410%up 54% from 2025
  5. Technology and Service Fees$2.6M43%down 24% from 2025
Products and services by year
Products and services202420252026
Advisory Fee Income$31.3M$31.8M$36.0M
Broker Dealer Clearing Fees$20.6M$22.2M$24.2M
Card Fees And Other$2.5M$2.9M$10.0M
Deposit Service Fees$4.3M$5.4M$8.4M
Technology and Service Fees$5.9M$3.5M$2.6M

Where the money goes

Where each dollar of revenue went, fiscal 2026

  • Interest52¢$710.0M
  • Income tax12¢$156.3M
  • Profit36¢$490.4M

Out of $81.3M in revenue.4

Where each dollar of operating cash went, fiscal 2026

  • Share buybacks4¢$22.0M
  • Kept or used elsewhere96¢$535.6M

Out of $557.6M of cash from operations.4

Financial statements

Revenue78910114$81.3M in 2026+194% since 2019
0$25.0M$50.0M$75.0M$100.0M2019: $27.6M$27.6M20192020: $26.8M$26.8M2020−3%2021: $31.3M$31.3M2021+17%2022: $59.4M$59.4M2022+90%2023: $65.3M$65.3M2023+10%2024: $64.6M$64.6M2024−1%2025: $65.8M$65.8M2025+2%2026: $81.3M$81.3M2026+24%
Net income128910114$490.4M in 2026+216% since 2019
0$200.0M$400.0M$600.0M2019: $155.1M$155.1M20192020: $183.4M$183.4M2020+18%2021: $215.7M$215.7M2021+18%2022: $240.7M$240.7M2022+12%2023: $307.2M$307.2M2023+28%2024: $450.0M$450.0M2024+47%2025: $432.9M$432.9M2025−4%2026: $490.4M$490.4M2026+13%

Every line of the income statement in the latest annual report, as filed.4

Period ending2026-06-302025-06-302024-06-30
Loans, including fees$1.8B$1.7B$1.5B
Securities borrowed and customer receivables$31.9M$25.5M$22.4M
Investments and other$93.6M$135.2M$133.6M
Total interest and dividend income$2.0B$1.8B$1.7B
Deposits$646.4M$667.8M$670.6M
Advances from the Federal Home Loan Bank$17.6M$1.7M$3.1M
Securities loaned$974.0K$1.8M$2.2M
Other borrowings$45.1M$16.5M$18.3M
Total interest expense$710.0M$687.7M$694.2M
Net interest income$1.2B$1.1B$961.4M
Provision for credit losses$101.1M$55.7M$32.5M
Net interest income, after provision for credit losses$1.1B$1.1B$928.9M
Broker-dealer fee income$45.3M$45.2M$48.1M
Advisory fee income$36.0M$31.8M$31.3M
Banking and service fees$139.8M$38.2M$35.7M
Mortgage banking and servicing rights income$6.1M$13.0M$10.0M
Prepayment penalty fee income$6.4M$2.8M$5.1M
Gain on acquisition$0$0$92.4M
Total non-interest income$233.6M$131.1M$222.7M
Salaries and related costs$323.0M$298.0M$250.9M
Data and operational processing$91.9M$80.4M$69.4M
Depreciation and amortization$80.6M$29.0M$27.1M
Advertising and promotional$49.1M$47.8M$42.8M
Professional services$42.8M$37.6M$36.5M
Occupancy and equipment$22.4M$17.7M$16.7M
FDIC and regulatory fees$27.7M$27.6M$20.5M
Broker-dealer clearing charges$17.7M$17.1M$18.3M
General and administrative expense$77.4M$34.6M$33.9M
Total non-interest expense$732.7M$589.7M$516.1M
INCOME BEFORE INCOME TAXES$646.7M$613.4M$635.5M
INCOME TAXES$156.3M$180.5M$185.5M
NET INCOME$490.4M$432.9M$450.0M
Basic earnings per common share (in dollars per share)$8.66$7.61$7.82
Diluted earnings per common share (in dollars per share)$8.48$7.43$7.66

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The story

Axos was founded in 1999 as BofI Holding, Inc., by Jerry Englert, the founder of Bank of Del Mar, and Gary Lewis Evans, president of La Jolla Bank, with $14 million of startup capital. It began operations as Bank of Internet on July 4, 2000. The start date of July 4 was purposely chosen because it showed that the bank would be open on a day that other banks were closed due to Independence Day and because the internet bank represented "Independence from traditional banking".

BofI became a public company via an initial public offering on March 15, 2005. It offered 3,052,745 shares of common stock at a price of $11.50 per share.

Gregory Garrabrants, previously senior vice president at IndyMac Bancorp, was appointed CEO in October 2007. In 2018, Garrabrants earned $34.5 million, making him the highest paid bank CEO of that year.

On October 1, 2018, BofI Holding re-branded as Axos Financial, and switched its stock exchange listing from NASDAQ to the NYSE. Bank of Internet was rebranded as Axos Bank.

From Wikipedia’s article on Axos Financial, shared under CC BY-SA 4.0.6

Products and brands

  • online banking

Listed on Wikidata.1

Former names

  • BofI Holding, Inc.Dec 16, 2004 to Sep 12, 20185

Timeline

  1. 1999Founded Founded1

Recent filings

  1. Sep 24, 2026DEF 14A
  2. Sep 24, 2026DEFA14A
  3. Sep 24, 2026ARS
  4. Sep 21, 20268-K
  5. Sep 16, 20264/A PRIMARY DOCUMENT
  6. Sep 16, 20264 PRIMARY DOCUMENT
  7. Sep 16, 20264 PRIMARY DOCUMENT
  8. Sep 16, 20264 PRIMARY DOCUMENT
  9. Sep 16, 20264 PRIMARY DOCUMENT
  10. Sep 16, 20264 PRIMARY DOCUMENT
  11. Sep 16, 20264 PRIMARY DOCUMENT
  12. Sep 16, 20264 PRIMARY DOCUMENT
  13. Sep 16, 20264 PRIMARY DOCUMENT
  14. Sep 16, 20264 PRIMARY DOCUMENT
  15. Sep 4, 20264 PRIMARY DOCUMENT

Every filing from the last three years, summarized. The full record is on SEC EDGAR.2

Sources

The numbers on this page point here. Each one links to the record it came from.

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