Jun 2026 (Q4 FY26) — Jul 30, 2026
Axos Financial Q4 FY26 — Strong Loan & Deposit Growth, Strategic Acquisitions
Read the full callAxos Financial (AX) earnings
- Jun 2026
- Jun 2026 (Q4 FY26)
- Jun 2026
Axos Financial earnings: last reported Thu, 30 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 125 | +12.9% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
4 of 7 judged targets kept · 13 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Completion of Jenius Bank deposit acquisition | complete the deposit conversion and client onboarding next month | Mar 2026 | We closed the Jenius deposit acquisition in early May 2026, adding approximately $2.3 billion of deposit balances and over 56,000 consumer savings accounts. | Achieved |
| EPS accretion from Verdant acquisition | 2% to 3% | Sep 2025 | Ghosted | |
| Net interest margin (organic) | roughly flat | Mar 2026 | Net interest margin was 4.54% for the quarter ended June 30, 2026, roughly flat compared to 4.57% in the prior quarter. | Diluted |
3 of Axos Financial, Inc.'s 20 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 17 more targets are in the full ledger.
Claimed
- Achieved double-digit year-over-year growth in net interest income, noninterest income, ending loan and deposits, EPS, and book value per share.
- Generated $638 million of net loan growth linked quarter, representing 15% annualized growth.
- Noninterest income increased 50% year-over-year to $61.9 million for the quarter.
- Diluted EPS, excluding a $21 million legal accrual, rose 28% year-over-year to $2.46 per share.
- Nonperforming assets decreased to $159 million at quarter-end, down from $180 million in the prior quarter.
- Ending deposit balances grew 17.9% year-over-year to $24.6 billion, with noninterest-bearing deposits up $788 million YoY.
Qualified
- Noninterest expenses were $205.9 million for the quarter, up $20 million linked quarter, primarily due to a $21 million legal accrual.
- Net interest margin was roughly flat quarter-over-quarter at 4.54%, compared to 4.57% in the prior quarter.
Price
$87.92 −0.25% · −$0.22
Performance +14.9% 1Y
1Y: $76.5 on 17 Oct 2025 → $87.92. High $105.1 (4 Aug 2026), low $75.6 (17 Nov 2025).
- Previous close
- $88.14
- 52-week range
- $75.6 – $105.1
- One year
- +11.91%
Overview
- Symbol
- AX
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
4 of 7 judged targets kept · 13 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Completion of Jenius Bank deposit acquisition | complete the deposit conversion and client onboarding next month | Mar 2026 | We closed the Jenius deposit acquisition in early May 2026, adding approximately $2.3 billion of deposit balances and over 56,000 consumer savings accounts. | Achieved |
| EPS accretion from Verdant acquisition | 2% to 3% | Sep 2025 | Ghosted | |
| Net interest margin (organic) | roughly flat | Mar 2026 | Net interest margin was 4.54% for the quarter ended June 30, 2026, roughly flat compared to 4.57% in the prior quarter. | Diluted |
Claimed
- Achieved double-digit year-over-year growth in net interest income, noninterest income, ending loan and deposits, EPS, and book value per share.
- Generated $638 million of net loan growth linked quarter, representing 15% annualized growth.
- Noninterest income increased 50% year-over-year to $61.9 million for the quarter.
- Diluted EPS, excluding a $21 million legal accrual, rose 28% year-over-year to $2.46 per share.
- Nonperforming assets decreased to $159 million at quarter-end, down from $180 million in the prior quarter.
- Ending deposit balances grew 17.9% year-over-year to $24.6 billion, with noninterest-bearing deposits up $788 million YoY.
Qualified
- Noninterest expenses were $205.9 million for the quarter, up $20 million linked quarter, primarily due to a $21 million legal accrual.
- Net interest margin was roughly flat quarter-over-quarter at 4.54%, compared to 4.57% in the prior quarter.
The full ledger
Open Axos Financial, Inc.’s full ledger
A free account opens 5 company ledgers a month. All 20 tracked commitments, with each call’s wording and source.
Call summaries
Mar 2026 (Q3 FY26) — Apr 30, 2026
Axos Financial Q3 FY26 — Strong Loan & Deposit Growth, Strategic Deposit Acquisitions
Read the full callEvery analysed call
Axos Financial earnings calls (AX)
Financials
What the filings say
Net profit, year on year: +13% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Interest | 192 | 176 | 157 | 162 | 175 | 182 | 172 | 181 |
| Profit before tax | 159 | 150 | 148 | 156 | 150 | 176 | 165 | 156 |
| Tax rate | 29.4% | 30.4% | 28.9% | 29.0% | 25.0% | 26.8% | 24.6% | 19.9% |
| Net profit | 112 | 105 | 105 | 111 | 112 | 128 | 125 | 125 |
| EPS ($ per share) | 1.97 | 1.83 | 1.84 | — | 1.99 | 2.27 | 2.20 | — |
| Line item | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 826 | 1,009 | 1,188 | 1,428 | 1,736 | 2,186 | 2,619 | 3,109 |
| Total liabilities | 10,147 | 12,621 | 12,865 | 15,758 | 18,431 | 20,565 | 22,102 | 26,795 |
| Fixed assets | 33 | 31 | 26 | 36 | 53 | 73 | 105 | 145 |
| Total assets | 11,220 | 13,852 | 14,266 | 17,401 | 20,348 | 22,855 | 24,783 | 29,962 |
| Line item | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 204 | 284 | 413 | 217 | 197 | 305 | 490 | 558 |
| Cash from investing | -932 | -1,348 | -867 | -2,783 | -2,399 | -2,589 | -1,841 | -5,036 |
| Cash from financing | 962 | 2,157 | -459 | 3,103 | 3,010 | 2,087 | 1,341 | 3,610 |
| Net cash flow | 235 | 1,093 | -913 | 537 | 807 | -196 | -9 | -869 |
| Capital expenditure | -20 | -12 | -10 | -22 | -30 | -36 | -54 | -266 |
| Free cash flow | 184 | 272 | 402 | 195 | 166 | 270 | 436 | 291 |
AX operating KPIs by quarter
| KPI | Mar 2026 Q3 FY26 | Jun 2026 Q4 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 4.57%Net interest margin was 4.57% for the quarter ended March 31, 2026, compared to 4.94% in the prior quarter.Source: earnings call transcript | 4.54%Net interest margin was 4.54% for the quarter ended June 30, 2026, roughly flat compared to 4.57% in the prior quarter.Source: earnings call transcript | 0 pt |
| Net new assets | ~$140MNet new asset growth of approximately $140 million were offset by a decline in the stock market in the first 3 months of 2026.Source: earnings call transcript | ~$85MNet new assets were approximately $85 million in the quarter ended June 30, 2026, bringing the net new asset totaled to $2.2 billion for fiscal year 2026.Source: earnings call transcript | — |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
118 filings between Nov 5, 2025 and Sep 15, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$7.23M
12 sales by 9 insiders
Compensation
not trading decisions- 1
- Award — granted as compensation
- 49
- Option exercise — converted options into shares
Also filed: 51 dispositions to the issuer, 5 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Garrabrants Gregory | — | $4.29M | Feb 4, 2026 |
| COURT JAMES JOHN | — | $1.13M | Feb 6, 2026 |
| Constantine Thomas M | — | $502.6K | Jun 8, 2026 |
| Walsh Derrick | — | $490.5K | Feb 6, 2026 |
| Nick Mosich | — | $221.9K | Feb 17, 2026 |
| Bohlig Tamara N | — | $185.0K | Dec 8, 2025 |
| Ratinoff Edward James | — | $181.4K | Dec 5, 2025 |
| Watson Michael James | — | $138.5K | May 19, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 15, 2026 | Bar-Adon Eshel EVP, Strategic Partnerships an | Option exercise | 3,629 | $336.3K |
| Sep 15, 2026 | Constantine Thomas M Insider | Disposition to issuer | 2,102 | $194.8K |
| Sep 15, 2026 | Tolla John Charles EVP, Chief Risk Officer | Disposition to issuer | 1,885 | $174.7K |
| Sep 15, 2026 | Swanson Brian D Insider | Option exercise | 3,381 | $313.4K |
| Sep 15, 2026 | MATSUMOTO RAYMOND D Insider | Option exercise | 4,946 | $458.4K |
| Sep 15, 2026 | Walsh Derrick EVP, Chief Financial Officer | Option exercise | 4,127 | $382.5K |
| Sep 15, 2026 | Watson Michael James Insider | Disposition to issuer | 1,583 | $146.7K |
| Sep 15, 2026 | MATSUMOTO RAYMOND D Insider | Disposition to issuer | 2,668 | $247.3K |
| Sep 15, 2026 | GILL ANN Insider | Option exercise | 1,643 | $152.3K |
| Sep 15, 2026 | Swanson Brian D Insider | Disposition to issuer | 1,822 | $168.9K |
| Sep 15, 2026 | Walsh Derrick EVP, Chief Financial Officer | Disposition to issuer | 2,222 | $205.9K |
| Sep 15, 2026 | Watson Michael James Insider | Option exercise | 3,174 | $294.2K |
| Sep 15, 2026 | GILL ANN Insider | Disposition to issuer | 884 | $81.9K |
| Sep 15, 2026 | Tolla John Charles EVP, Chief Risk Officer | Option exercise | 3,502 | $324.6K |
| Sep 15, 2026 | Constantine Thomas M Insider | Option exercise | 3,905 | $361.9K |
| Sep 15, 2026 | THIELE CANDACE L Insider | Option exercise | 1,122 | $104.0K |
| Sep 15, 2026 | Bar-Adon Eshel EVP, Strategic Partnerships an | Disposition to issuer | 1,956 | $181.3K |
| Sep 15, 2026 | THIELE CANDACE L Insider | Disposition to issuer | 547 | $50.7K |
| Aug 5, 2026 | Santi Roque A Director | Sale | 500 | $52.6K |
| Jun 30, 2026 | Garrabrants Gregory President and CEO | Disposition to issuer | 108,995 | $10.62M |
| Jun 30, 2026 | Garrabrants Gregory President and CEO | Award | 202,032 | $19.68M |
| Jun 8, 2026 | Constantine Thomas M Insider | Sale | 1,994 | $176.6K |
| May 19, 2026 | Watson Michael James Insider | Sale | 1,653 | $138.5K |
| May 12, 2026 | Argalas James S Director | Gift | 2,100 | $177.8K |
| May 8, 2026 | Santi Roque A Director | Sale | 500 | $43.9K |
| Mar 20, 2026 | Tolla John Charles EVP, Chief Risk Officer | Disposition to issuer | 1,587 | $131.6K |
| Mar 20, 2026 | THIELE CANDACE L EVP, Chief Administrative Offi | Option exercise | 444 | $36.8K |
| Mar 20, 2026 | GILL ANN SVP, Chief Accounting Officer | Disposition to issuer | 323 | $26.8K |
| Mar 20, 2026 | THIELE CANDACE L EVP, Chief Administrative Offi | Disposition to issuer | 217 | $18.0K |
| Mar 20, 2026 | Watson Michael James EVP, Head of Axos Securities | Option exercise | 983 | $81.5K |
| Mar 20, 2026 | Tolla John Charles EVP, Chief Risk Officer | Option exercise | 1,177 | $97.6K |
| Mar 20, 2026 | GILL ANN SVP, Chief Accounting Officer | Option exercise | 601 | $49.8K |
| Mar 20, 2026 | Crow David M EVP, Head of Clearing | Disposition to issuer | 200 | $16.6K |
| Mar 20, 2026 | Crow David M EVP, Head of Clearing | Option exercise | 583 | $48.3K |
| Mar 20, 2026 | MATSUMOTO RAYMOND D EVP, Chief Operating Officer | Disposition to issuer | 874 | $72.5K |
| Mar 20, 2026 | Constantine Thomas M EVP, Chief Credit Officer | Disposition to issuer | 606 | $50.3K |
| Mar 20, 2026 | Tolla John Charles EVP, Chief Risk Officer | Option exercise | 2,943 | $244.1K |
| Mar 20, 2026 | Constantine Thomas M EVP, Chief Credit Officer | Option exercise | 1,124 | $93.2K |
| Mar 20, 2026 | MATSUMOTO RAYMOND D EVP, Chief Operating Officer | Option exercise | 1,621 | $134.4K |
| Mar 20, 2026 | Bar-Adon Eshel EVP Strategic Partnerships an | Disposition to issuer | 592 | $49.1K |
| Mar 20, 2026 | Bar-Adon Eshel EVP Strategic Partnerships an | Option exercise | 1,098 | $91.1K |
| Mar 20, 2026 | Swanson Brian D President, Consumer Bank | Disposition to issuer | 634 | $52.6K |
| Mar 20, 2026 | Walsh Derrick EVP, Chief Financial Officer | Disposition to issuer | 733 | $60.8K |
| Mar 20, 2026 | Swanson Brian D President, Consumer Bank | Disposition to issuer | 1,587 | $131.6K |
| Mar 20, 2026 | Swanson Brian D President, Consumer Bank | Option exercise | 1,177 | $97.6K |
| Mar 20, 2026 | Tolla John Charles EVP, Chief Risk Officer | Disposition to issuer | 634 | $52.6K |
| Mar 20, 2026 | Walsh Derrick EVP, Chief Financial Officer | Option exercise | 1,360 | $112.8K |
| Mar 20, 2026 | Watson Michael James EVP, Head of Axos Securities | Disposition to issuer | 491 | $40.7K |
| Mar 20, 2026 | Swanson Brian D President, Consumer Bank | Option exercise | 2,943 | $244.1K |
| Mar 15, 2026 | Bar-Adon Eshel EVP Strategic Partnerships an | Disposition to issuer | 952 | $80.6K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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