Latest Quarter
2025-12-31
Axos Financial Inc (AX)
Revenue
$563M
Net Income
$128M
Operating Margin
31.2%
Free Cash Flow
$436M
Debt / Assets
89.2%
Values are in USD and rounded to the nearest whole number unless noted.
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| Income Statement (Quarterly) | 2025-12-31 | 2025-09-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Revenue | 562,941,000 | 493,873,000 | 461,918,000 | 479,568,000 |
| Cost of Revenue | 207,136,000 | 191,941,000 | 171,758,000 | 188,217,000 |
| Gross Profit | 355,805,000 | 301,932,000 | 290,160,000 | 291,351,000 |
| Operating Expenses | ||||
| R&D Expenses | 0 | 0 | 0 | 0 |
| SG&A Expenses | 120,778,000 | 103,692,000 | 100,573,000 | 101,398,000 |
| Operating Expenses | 180,292,000 | 152,043,000 | 142,084,000 | 141,021,000 |
| Operating Income | 175,513,000 | 149,889,000 | 148,076,000 | 150,330,000 |
| Interest Expense | 182,136,000 | 174,686,000 | 157,258,000 | 175,969,000 |
| Income Before Tax | 175,513,000 | 149,889,000 | 148,076,000 | 150,330,000 |
| Income Tax Expense | 47,116,000 | 37,537,000 | 42,870,000 | 45,643,000 |
| Net Income | 128,397,000 | 112,352,000 | 105,206,000 | 104,687,000 |
| Per Share | ||||
| EPS | 2.27 | 1.99 | 1.84 | 1.83 |
| EPS Diluted | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Statement (Annual) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Revenue | 1,929,466,000 | 1,767,610,000 | 1,264,193,000 | 705,337,000 | 632,851,000 |
| Cost of Revenue | 743,438,000 | 726,678,000 | 398,267,000 | 0 | 0 |
| Gross Profit | 1,186,028,000 | 1,040,932,000 | 865,926,000 | 705,337,000 | 0 |
| Operating Expenses | |||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 407,904,000 | 348,156,000 | 305,323,000 | 286,055,000 | 243,591,000 |
| Operating Expenses | 572,633,000 | 405,451,000 | 434,182,000 | 56,683,000 | 0 |
| Operating Income | 613,395,000 | 635,481,000 | 431,744,000 | 392,529,000 | 0 |
| Interest Expense | 687,693,000 | 694,178,000 | 374,017,000 | 52,570,000 | 79,121,000 |
| Income Before Tax | 613,395,000 | 635,481,000 | 431,744,000 | 339,959,000 | 305,743,000 |
| Income Tax Expense | 180,487,000 | 185,473,000 | 124,579,000 | 99,243,000 | 90,036,000 |
| Net Income | 432,908,000 | 450,008,000 | 307,165,000 | 240,716,000 | 215,707,000 |
| Per Share | |||||
| EPS | 7.61 | 7.82 | 5.15 | 4.04 | 3.64 |
| EPS Diluted | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Balance Sheet (Quarterly) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Assets | ||||
| Cash and Cash Equivalents | 1,933,845,000 | 1,979,979,000 | 2,233,027,000 | 1,202,587,000 |
| Short Term Investments | 66,057,000 | 141,164,000 | 232,350,000 | 262,518,000 |
| Net Receivables | 374,271,000 | 287,455,000 | 374,074,000 | 471,857,000 |
| Inventory | 0 | 0 | -2,899,356,000 | -2,388,092,000 |
| Total Current Assets | 2,374,173,000 | 2,408,598,000 | 2,839,451,000 | 1,882,522,000 |
| Property Plant Equipment | 0 | 0 | 116,929,000 | 105,405,000 |
| Goodwill and Intangibles | 161,720,000 | 170,694,000 | 177,592,000 | 181,618,000 |
| Total Assets | 24,783,078,000 | 22,855,334,000 | 20,348,469,000 | 17,455,605,000 |
| Liabilities | ||||
| Account Payables | 350,606,000 | 301,127,000 | 696,591,000 | 829,066,000 |
| Short Term Debt | 0 | 30,000,000 | 206,013,000 | 27,500,000 |
| Total Current Liabilities | 21,180,149,000 | 19,690,344,000 | 696,591,000 | 774,626,000 |
| Long Term Debt | 372,671,000 | 385,679,000 | 451,779,000 | 562,744,000 |
| Total Liabilities | 22,102,401,000 | 20,564,738,000 | 18,431,310,000 | 15,812,632,000 |
| Shareholders Equity | ||||
| Retained Earnings | 2,618,525,000 | 2,185,617,000 | 1,735,609,000 | 1,428,444,000 |
| Total Shareholders Equity | 2,680,677,000 | 2,290,596,000 | 1,917,159,000 | 1,642,973,000 |
| Balance Sheet (Annual) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Assets | |||||
| Cash and Cash Equivalents | 1,933,845,000 | 1,979,979,000 | 2,233,027,000 | 1,202,587,000 | 715,624,000 |
| Short Term Investments | 66,057,000 | 141,164,000 | 232,350,000 | 262,518,000 | 187,335,000 |
| Net Receivables | 374,271,000 | 287,455,000 | 374,074,000 | 471,857,000 | 369,815,000 |
| Inventory | 0 | 0 | -2,899,356,000 | -2,388,092,000 | 0 |
| Total Current Assets | 2,374,173,000 | 2,408,598,000 | 2,839,451,000 | 1,882,522,000 | 0 |
| Property Plant Equipment | 0 | 0 | 116,929,000 | 105,405,000 | 0 |
| Goodwill and Intangibles | 161,720,000 | 170,694,000 | 177,592,000 | 181,618,000 | 133,882,000 |
| Total Assets | 24,783,078,000 | 22,855,334,000 | 20,348,469,000 | 17,455,605,000 | 14,265,565,000 |
| Liabilities | |||||
| Account Payables | 350,606,000 | 301,127,000 | 696,591,000 | 829,066,000 | 744,986,000 |
| Short Term Debt | 0 | 30,000,000 | 206,013,000 | 27,500,000 | 0 |
| Total Current Liabilities | 21,180,149,000 | 19,690,344,000 | 696,591,000 | 774,626,000 | 0 |
| Long Term Debt | 372,671,000 | 385,679,000 | 451,779,000 | 562,744,000 | 574,858,000 |
| Total Liabilities | 22,102,401,000 | 20,564,738,000 | 18,431,310,000 | 15,812,632,000 | 12,864,629,000 |
| Shareholders Equity | |||||
| Retained Earnings | 2,618,525,000 | 2,185,617,000 | 1,735,609,000 | 1,428,444,000 | 1,187,728,000 |
| Total Shareholders Equity | 2,680,677,000 | 2,290,596,000 | 1,917,159,000 | 1,642,973,000 | 1,400,936,000 |
| Cash Flow Statement (Quarterly) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Operating Activities | ||||
| Net Income | 432,908,000 | 450,008,000 | 307,165,000 | 240,716,000 |
| Depreciation & Amortization | 29,019,000 | 27,086,000 | 23,387,000 | 35,495,000 |
| Stock Based Compensation | 41,971,000 | 35,194,000 | 26,100,000 | 21,242,000 |
| Change in Working Capital | 79,379,000 | -122,438,000 | -154,360,000 | -112,996,000 |
| Operating Cash Flow | 490,331,000 | 305,477,000 | 187,959,000 | 206,010,000 |
| Investing Activities | ||||
| Capital Expenditure | -54,213,000 | -35,961,000 | -30,215,000 | -21,504,000 |
| Investments | -54,213,000 | -35,961,000 | -30,215,000 | -21,504,000 |
| Investing Cash Flow | -1,841,067,000 | -2,589,280,000 | -2,390,351,000 | -2,772,412,000 |
| Financing Activities | ||||
| Debt Repayment | -43,169,000 | -36,138,000 | -111,800,000 | -236,000,000 |
| Common Stock Issued/Repurchased | -58,203,000 | -96,286,000 | 59,761,000 | -14,481,000 |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Financing Cash Flow | 1,341,314,000 | 2,087,493,000 | 3,009,779,000 | 3,103,324,000 |
| Summary | ||||
| Free Cash Flow | 436,118,000 | 269,516,000 | 157,744,000 | 184,506,000 |
| Net Change in Cash | -9,422,000 | -196,310,000 | 807,387,000 | 536,922,000 |
| Cash Flow Statement (Annual) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 432,908,000 | 450,008,000 | 307,165,000 | 240,716,000 | 215,707,000 |
| Depreciation & Amortization | 29,019,000 | 27,086,000 | 23,387,000 | 35,495,000 | 34,722,000 |
| Stock Based Compensation | 41,971,000 | 35,194,000 | 26,100,000 | 21,242,000 | 20,685,000 |
| Change in Working Capital | 79,379,000 | -122,438,000 | -154,360,000 | -112,996,000 | 106,509,000 |
| Operating Cash Flow | 490,331,000 | 305,477,000 | 187,959,000 | 206,010,000 | 412,582,000 |
| Investing Activities | |||||
| Capital Expenditure | -54,213,000 | -35,961,000 | -30,215,000 | -21,504,000 | -10,437,000 |
| Investments | -54,213,000 | -35,961,000 | -30,215,000 | -21,504,000 | -10,437,000 |
| Investing Cash Flow | -1,841,067,000 | -2,589,280,000 | -2,390,351,000 | -2,772,412,000 | -866,769,000 |
| Financing Activities | |||||
| Debt Repayment | -43,169,000 | -36,138,000 | -111,800,000 | -236,000,000 | -272,952,000 |
| Common Stock Issued/Repurchased | -58,203,000 | -96,286,000 | 59,761,000 | -14,481,000 | -21,907,000 |
| Dividends Paid | 0 | 0 | 0 | 0 | -103,000 |
| Financing Cash Flow | 1,341,314,000 | 2,087,493,000 | 3,009,779,000 | 3,103,324,000 | -458,555,000 |
| Summary | |||||
| Free Cash Flow | 436,118,000 | 269,516,000 | 157,744,000 | 184,506,000 | 402,145,000 |
| Net Change in Cash | -9,422,000 | -196,310,000 | 807,387,000 | 536,922,000 | -912,742,000 |