
AX Earnings
Axos Financial Inc
- Overview
- Forecast
- Valuation
- Earnings
Earning Analysis
Welcome to our in-depth analysis of Axos Financial Inc(AX) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of Axos Financial Inc earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.
Earnings Forecast
Revenue
EPS
Currency: USD
Actual
Estimate
Surprise Analysis
FY2025Q4 | 2025-07-30 | After Hours | 1.82 | 1.94 | +6.59 | 312.29M | 321.45M | +2.93 | +1.24 | +0.72 |
FY2025Q3 | 2025-04-30 | After Hours | 1.74 | 1.81 | +4.02 | 305.04M | 308.84M | +1.24 | +3.18 | +5.78 |
FY2025Q2 | 2025-01-28 | After Hours | 1.76 | 1.82 | +3.41 | 302.16M | 307.90M | +1.90 | -4.24 | -1.80 |
FY2025Q1 | 2024-10-30 | After Hours | 1.80 | 1.96 | +8.89 | 298.63M | 320.66M | +7.38 | +1.85 | +22.65 |
FY2024Q4 | 2024-07-30 | - | 1.80 | 1.83 | +1.67 | 297.00M | 290.92M | -2.05 | +1.25 | -15.19 |
FY2024Q3 | 2024-04-30 | - | 1.72 | 1.94 | +12.79 | 281.78M | 294.77M | +4.61 | -1.90 | +15.68 |
FY2024Q2 | 2024-01-30 | - | 1.39 | 1.60 | +15.11 | 247.43M | 352.74M | +42.56 | -0.18 | -8.81 |
FY2024Q1 | 2023-10-26 | - | 1.35 | 1.41 | +4.44 | 239.97M | 245.66M | +2.37 | +3.79 | +2.33 |
FY2023Q4 | 2023-07-27 | - | 1.27 | 1.50 | +18.11 | 228.66M | 236.46M | +3.41 | -1.70 | -4.01 |
- | 2023-04-27 | - | 1.21 | 1.35 | +11.57 | - | - | - | +3.20 | +6.41 |
AX Earnings Analysis
Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, Axos Financial Inc reported performance for FY2025Q4, announced on 2025-07-30. The company achieved an EPS of 1.94, compared to analyst estimates of 1.82 by 6.59% . Revenue for the quarter reached 321.45M compared to expectations of 312.29M by 2.93% .
The stock price reacted with a 1.24% one-day change and a 0.72% five-day change following the earnings release. These movements reflect market reaction in Axos Financial Inc growth trajectory and strategic initiatives.
AX Earnings Forecast
Looking ahead, Axos Financial Inc(AX) remains a focal point for investors seeking growth opportunities. Analyst forecasts for 2026/Q1 project quarter revenue of 319.94M and an EPS of 1.92.
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2026 have been Revise Upward by 0.63%, while EPS estimates have been Revise Upward by 3.8%. For the upcoming Q1 2026, revenue estimates have been adjusted Revise Upward by 0.12% . These revisions correlate with a 21.90% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in Axos Financial Inc long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.
Estimate Revision
The chart shows the correlation between AX's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2026
Revise Upward

+0.63%
In Past 3 Month
EPS Estimates for FY2026
Revise Upward

+3.8%
In Past 3 Month
Revenue Estimates for Q1 2026
Revise Upward

+0.12%
In Past 3 Month
Stock Price
Go Up

+21.90%
In Past 3 Month
1Y
3Y
5Y
Annual FY 2026
Currency: USD
1Y
3Y
5Y
--
Revenue Estimate-Annual FY 2026:1.32B
--
EPS Estimate-Annual FY 2026:7.91
—
Stock Price88.28
AX Revenue and EPS Performance: A Historical Perspective
Axos Financial Inc revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
FY2025Q4 (2025-07-30,After Hours):
EPS: 1.94 (Actual) vs.1.82 (Estimate) (6.59%)
Revenue: 321.45M (Actual) vs. 312.29M (Estimate) (2.93%)
Price Reaction: 1.24%(1-Day), 0.72%(5-Day)
FY2025Q3 (2025-04-30,After Hours):
EPS: 1.81 (Actual) vs.1.74 (Estimate) (4.02%)
Revenue: 308.84M (Actual) vs. 305.04M (Estimate) (1.24%)
Price Reaction: 3.18%(1-Day), 5.78%(5-Day)
FY2025Q2 (2025-01-28,After Hours):
EPS: 1.82 (Actual) vs.1.76 (Estimate) (3.41%)
Revenue: 307.90M (Actual) vs. 302.16M (Estimate) (1.90%)
Price Reaction: -4.24%(1-Day), -1.80%(5-Day)
Earnings Reaction
The chart below shows how AX performed 10 days before and after its earnings report, based on data from the past quarters. Typically, AX sees a -4.81% change in stock price 10 days leading up to the earnings, and a +2.85% change 10 days following the report. On the earnings day itself, the stock moves by +0.35%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in JUN/2025, the stock changed 1.24% on the day following the earnings release and then changed by 4.73% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.
Transcript Summary
Axos Financial Inc (AX) Q4 2025 Earnings Call Summary
Positive
2025-07-31
The earnings call suggests a generally positive outlook with strong net loan growth, effective cost management through AI, and a stable net interest margin. The Q&A section confirms stable credit quality and growth opportunities, despite some pricing pressures. The stock repurchase and strategic investment in technology further bolster the positive sentiment. The market cap indicates a moderate reaction, leading to a 'Positive' prediction of 2% to 8% stock price increase.
Axos Financial Inc (AX) Q3 2025 Earnings Call Summary
Positive
2025-04-30
The earnings call summary and Q&A reveal a mixed but overall positive sentiment. Financial performance is strong with net loan growth and net interest income up. However, net interest margin slightly declined. Product development and market strategy are promising, with AI and tech investments. Shareholder returns are boosted by a repurchase program. Despite economic uncertainties and competitive pressures, guidance remains optimistic. The market cap suggests moderate sensitivity. Thus, a positive stock price movement (2% to 8%) is expected over the next two weeks.
Axos Financial Inc (AX) Q3 2025 Earnings Call Summary
Positive
2025-04-30
The earnings call indicates solid financial performance with net loan growth, increased net interest income, and improved net income. The company is cautious about certain segments but remains optimistic about overall loan growth. Despite some margin compression, the outlook remains positive. The Q&A reveals strategic buybacks, limited exposure to construction risks, and investment in AI for efficiency. The market cap suggests moderate volatility, leading to a positive stock price movement prediction (2% to 8%).
Axos Financial Inc (AX) Q4 2024 Earnings Call Summary
Positive
2025-01-31
The earnings call highlights strong financial performance with increased net interest income and improved net interest margin. Despite a decrease in net income due to a prior year gain, the company shows effective cost management and capital deployment strategies. The Q&A section reveals optimism about loan growth and potential share repurchases. However, management's vague responses on certain issues could raise minor concerns. Considering the company's market cap, the overall sentiment is positive, with potential share repurchases and strong financial metrics likely leading to a stock price increase of 2% to 8%.
Axos Financial, Inc. (AX) Q1 2025 Earnings Call Summary
Positive
2024-10-30
The earnings call summary shows strong financial performance with significant EPS growth, increased net income, and a solid loan pipeline. The shareholder return plan with opportunistic buybacks is a positive signal. The Q&A reveals some competitive pressures and regulatory risks but also optimism about loan growth and strong guarantees on loans. Despite slight concerns about margins and competition, the overall sentiment remains positive due to strong earnings, optimistic guidance, and shareholder returns. Given the company's market cap, a positive price movement of 2% to 8% is expected.
Axos Financial, Inc. (AX) Q4 2024 Earnings Call Summary
Positive
2024-07-31
The earnings call summary indicates strong financial performance with a 20% increase in net income and 23% increase in EPS. The company also executed a significant share repurchase program, which is generally positive for stock prices. Despite some concerns about NIM and credit risks, management's optimistic guidance and successful UDB rollout contribute to a positive outlook. The market cap suggests moderate volatility, leading to a prediction of a 2% to 8% stock price increase over the next two weeks.
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FAQ

What were the key highlights of AX’s latest earnings report for FY2025Q4?
AX reported its FY2025Q4 earnings on 2025-07-30, showcasing a revenue of 321.45M against an estimate of 312.29M, resulting in a 2.93% surprise. The EPS was 1.94, surpassing the expected 1.82 by 6.59% . The stock experienced a 1.24% price change on the earnings day and a 0.72% change over the next five days, reflecting market reactions to the results.

How did AX’s stock price react after the FY2025Q4 earnings release?

What are the revenue and EPS estimates for AX for 2026/Q1?

How does AX’s stock price correlate with earnings forecast revisions?

What should investors expect from AX’s next earnings report?
