Axos Financial, Inc. (AX) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — AX

Balance Sheet

(in billions USD)

Metric	Q3 2026	Q2 2026	Q1 2026	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	1.17	1.01	2.56	2.00	2.44	2.57	2.13	1.76	2.41	2.50	1.95	1.70	1.25	1.44	1.44	1.12
Net Loans & Leases	--	--	--	--	--	--	--	--	--	--	--	--	--	11.71	11.61	10.93
Total Assets	29.25	28.20	27.43	23.98	23.71	23.57	22.64	21.62	20.83	19.78	18.74	18.41	16.08	14.83	14.39	13.38
Total Deposits	22.39	23.23	22.26	20.14	19.93	19.97	19.10	18.20	17.57	16.74	15.69	15.18	12.73	11.61	11.46	10.56
Long-term Debt	--	--	--	0.38	0.36	0.31	0.33	0.34	0.45	0.33	0.33	0.43	0.38	0.37	0.42	0.45
Total Liabilities	26.18	25.27	24.64	21.38	21.19	21.16	20.45	19.55	18.85	17.94	16.95	16.71	14.50	13.48	13.11	12.15
Retained Earnings	2.98	2.86	2.73	2.51	2.40	2.30	2.08	1.97	1.82	1.65	1.57	1.49	1.37	1.13	1.08	1.03
Total Stockholder Equity	3.07	2.93	2.79	2.60	2.52	2.41	2.20	2.08	1.98	1.84	1.79	1.70	1.59	1.35	1.29	1.24

Income Statement

(in millions USD) (except per-share rows)

Metric	Q4 2026	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Interest & Dividend Income	499.13	478.24	513.85	465.74	442.41	432.72	456.07	484.26	453.43	443.56	394.66	363.95	346.43	307.33	279.59	223.79	160.18	156.92	155.67	155.38
Interest Expense	181.24	171.98	182.14	174.69	162.25	157.26	175.97	192.21	193.37	181.96	166.06	152.80	142.68	108.35	79.68	43.31	10.64	15.27	20.01	21.29
Net Interest Income	317.89	306.26	331.71	291.05	280.16	275.46	280.10	292.05	260.06	261.61	228.61	211.16	203.75	198.98	199.91	180.48	149.54	141.65	135.67	134.09
Provision for Credit Losses	--	--	--	--	--	--	--	--	--	--	--	--	7.00	5.50	3.50	8.75	4.50	1.25	2.70	8.00
Non-interest Income	61.88	85.99	53.38	32.34	41.29	33.37	27.80	28.61	30.86	33.16	124.13	34.51	32.71	32.25	28.33	27.21	28.77	16.80	23.89	28.72
Non-interest Expense	205.95	185.95	184.57	156.25	150.65	146.26	145.32	147.47	140.54	133.23	121.84	120.51	112.46	111.04	107.53	116.09	86.82	81.86	80.81	76.30
Pretax Income	155.97	165.30	175.51	149.89	155.80	148.08	150.33	159.19	144.39	155.54	217.40	118.16	117.00	114.68	117.21	82.85	86.99	75.35	76.05	78.51
Tax Provision	31.03	40.62	47.12	37.54	45.12	42.87	45.64	46.85	39.52	44.82	65.63	35.51	29.65	34.83	35.66	24.44	25.17	21.09	22.40	23.73
Net Income	124.95	124.68	128.40	112.35	110.68	105.21	104.69	112.34	104.87	110.72	151.77	82.65	87.36	79.85	81.55	58.41	61.82	54.26	53.65	54.79
Basic EPS	--	2.20	2.27	1.99	1.97	1.84	1.83	1.97	1.83	1.94	2.65	1.40	1.48	1.33	1.36	0.98	1.04	0.91	0.91	0.93
Diluted EPS	--	2.15	2.22	1.94	1.89	1.81	1.80	1.93	1.75	1.91	2.62	1.38	1.43	1.32	1.35	0.97	1.02	0.88	0.89	0.91

Cash Flow Statement

(in billions USD)

Metric	Q4 2026	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Operating Cash Flow	0.29	0.04	0.10	0.12	0.18	0.07	0.16	0.07	0.04	0.11	0.11	0.03	0.07	(0.06)	0.11	0.07	(0.13)	0.10	0.03	0.22
Capital Expenditures	0.10	0.14	0.02	0.01	0.02	0.01	0.01	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00
Free Cash Flow*	0.20	(0.10)	0.09	0.11	0.16	0.07	0.16	0.05	0.03	0.11	0.10	0.03	0.06	(0.06)	0.10	0.06	(0.14)	0.10	0.03	0.21
Investing Cash Flow	(0.74)	(0.88)	(2.38)	(1.03)	(0.85)	(0.68)	(0.27)	(0.05)	(0.43)	(0.42)	(1.23)	(0.51)	(0.58)	(0.40)	(0.26)	(1.15)	(0.40)	0.26	(0.11)	(0.70)
Financing Cash Flow	0.40	0.85	0.73	1.62	0.58	0.19	(0.02)	0.59	0.23	0.89	0.47	0.50	0.39	1.01	0.41	1.20	0.76	(0.76)	0.08	0.80

* Derived from reported values