Axos Reports 23.3% Year-over-Year EPS Growth in Q4
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 12h ago
0mins
"Strong net interest income growth and a solid net interest margin resulted in a 23.3% year-over-year increase in our diluted earnings per share this quarter," stated Greg Garrabrants, President and Chief Executive Officer of Axos. "Net interest income increased 14% linked quarter due to strong organic loan growth and positive contribution from a prepayment in our FDIC-purchased loans. Net ending loan balances increased by $1.6 billion linked quarter due to robust growth across several lending businesses, including commercial real estate specialty, capital calls, single-family warehouse and equipment leasing. Excluding the impact from the FDIC-purchased loan prepayment and the Verdant on-balance sheet securitizations, net interest margin for the three months ended December 31, 2025 was roughly flat linked quarter."
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Analyst Views on AX
Wall Street analysts forecast AX stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for AX is 104.83 USD with a low forecast of 100.00 USD and a high forecast of 107.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
3 Buy
0 Hold
0 Sell
Strong Buy
Current: 91.860
Low
100.00
Averages
104.83
High
107.50
Current: 91.860
Low
100.00
Averages
104.83
High
107.50
About AX
Axos Financial Inc. is the holding company for Axos Bank (the Bank), Axos Clearing LLC and Axos Invest, Inc. The Bank provides consumer and commercial banking products through its digital online and mobile banking platforms. Its segments include Banking Business and Securities Business. The Banking Business Segment includes a broad range of banking services, including online banking, concierge banking, and mortgage, vehicle and unsecured lending through online, low-cost distribution channels to serve the needs of consumers and small businesses nationally. In addition, the Banking Business Segment focuses on depositing products nationwide to industry verticals. The Securities Business Segment includes the clearing broker-dealer, registered investment advisor custody business, and introducing broker-dealer lines of businesses. These lines of business offer products independently to their own customers as well as to Banking Business Segment clients.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Axos Financial Reports Strong Q2 2026 Earnings Growth
- Significant Loan Growth: Axos Financial achieved $1.6 billion in net loan growth in Q2 2026, encompassing asset-based lending, commercial specialty loans, and equity financing, indicating strong performance across diversified financing operations and expected to enhance market share further.
- Net Interest Income Surge: The company reported net interest income of $331.6 million for the quarter, up approximately $41 million or 14% linked quarter, driven by balanced growth across various lending segments, which bolsters profitability and financial stability.
- Acquisition Impact: The completion of the Verdant acquisition on September 30 added $430 million in loans and $780 million in asset securitizations, contributing $18.9 million in noninterest income, thereby enriching revenue streams and enhancing overall financial performance.
- Optimistic Outlook: Management reiterated an annual loan growth target in the low to mid-teens, projecting loan growth of $600 million to $800 million for the current quarter, reflecting strong demand in commercial lending and a positive market outlook.
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Axos Financial Q2 Earnings Exceed Expectations
- Earnings Beat: Axos Financial reported a non-GAAP EPS of $2.25 for Q2, exceeding expectations by $0.18, indicating robust profitability growth.
- Significant Revenue Growth: The company achieved revenues of $385.09 million, reflecting a 25.1% year-over-year increase and surpassing market expectations by $39.2 million, showcasing successful business expansion.
- Loan and Asset Quality Improvement: As of December 31, 2025, net loan balances stood at $24.3 billion, up $1.6 billion year-over-year, while non-performing assets to total assets ratio improved to 0.56%, indicating ongoing asset quality enhancement.
- Deposit and Asset Management Growth: Total deposits reached $23.2 billion as of December 31, 2025, an increase of $2.4 billion from June 2025, with total assets under custody growing to $44.4 billion, reflecting strong performance in client asset management.
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