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Axos Financial (AX)
NYSE:AX
Earnings Data
Report Date
Aug 05, 2025TBA Not Confirmed
Period Ending
2025 (Q4)Consensus EPS Forecast
1.82Last Year’s EPS
1.8Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 30, 2025
|% Change Since: 3.18%
|Next Earnings Date:Aug 05, 2025
Earnings Call Sentiment|Neutral
Axos Financial demonstrated solid loan growth and increases in key financial metrics such as book value per share and returns on equity and assets. However, challenges such as a decline in net interest margin and increased net charge-offs were noted. The company remains optimistic about growth opportunities, particularly in its securities business.Company Guidance
During the Axos Financial Third Quarter 2025 Earnings Call, the company reported several key financial metrics. Notably, the net loan growth was over $700 million for the quarter, with a stable net interest margin of 4.78%. The book value per share increased by 19% year-over-year, and the return on average common equity was 16%, with a return on average assets at 1.8%. Net interest income rose to $275 million, a 5.3% increase from the same period last year. The company also repurchased approximately $28 million of common stock during the quarter and an additional $30.3 million worth in April. Other highlights included a slight increase in noninterest expenses, which rose by only 0.6% from the previous quarter, and a decrease in total nonaccrual loans by $66.5 million, improving the nonaccrual loans to total loan ratio to 89 basis points. Axos also reported a net income of approximately $105.2 million, with a diluted EPS of $1.81. The company anticipates maintaining a consolidated net interest margin in the range of 4.25% to 4.35% and expects annual loan growth in the high single-digit to low teens range.Strong Net Loan Growth
Axos Financial generated over $700 million of net loan growth linked quarter, with fund finance, equipment leasing, and lender finance showing strong originations and net loan growth.
Increase in Book Value Per Share
The company reported a 19% year-over-year increase in book value per share.
High Returns on Equity and Assets
Axos Financial reported a 16% return on average common equity and a 1.8% return on average assets for the quarter.
Net Interest Income Growth
Net interest income for the quarter was $275 million, up 5.3% from the prior year period.
Improvement in Nonaccrual Loans
Total nonaccrual loans declined by $66.5 million linked quarter, improving the nonaccrual loans to total loan ratio from 1.26% to 89 basis points.
Securities Business Growth
Pre-tax income for the Securities business segment increased by 23.6% year-over-year to $9.1 million.
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AX Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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AX Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 30, 2025 | $63.48 | $65.50 | +3.18% |
| Jan 28, 2025 | $72.40 | $69.33 | -4.24% |
| Oct 30, 2024 | $66.49 | $67.72 | +1.85% |
| Jul 30, 2024 | $77.61 | $73.01 | -5.93% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Axos Financial (AX) report earnings?
Axos Financial (AX) is schdueled to report earning on Aug 05, 2025, TBA Not Confirmed.
What is Axos Financial (AX) earnings time?
Axos Financial (AX) earnings time is at Aug 05, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is AX EPS forecast?
AX EPS forecast for the fiscal quarter 2025 (Q4) is 1.82.
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