Axos Financial, Inc. · NYSE:AX
Axos Financial — Q4 FY2026 Earnings Presentation
10 slides from Axos Financial's earnings presentation, Jul 30, 2026
Slide 1: Axos Q4 Fiscal 2026 Earnings Supplement
Axos Q4 Fiscal 2026 Earnings Supplement NYSE: AXJuly 30, 2026
Slide 2: Loan Growth by Category
2 © 2026 Axos Financial, Inc. All Rights Reserved. 2 Loan Growth by Category $ Millions SF Warehouse Lending Multifamily Small Balance Commercial Jumbo Mortgage Asset-Based and Cash Flow Lending Lender Finance Non-RE Capital Call Facilities Auto Unsecured/OD Single Family Mortgage & Warehouse Multif
Slide 3: Diversified Deposit Gathering
3 © 2026 Axos Financial, Inc. All Rights Reserved. 3 Diversified Deposit Gathering Deposit balances as of June 30, 2026 Note 1: Excludes approximately $475 million of off-balance sheet deposits › Serves approximately 30% of U.S. Chapter 7 bankruptcy trustees in exclusive relationship › Software allo
Slide 4: Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Reserve (UCL)
4 © 2026 Axos Financial, Inc. All Rights Reserved. 4 Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Reserve (UCL) ($ in millions) ACL + UCL ACL + UCL (17.1) 0.2
Slide 5: Credit Quality
5 © 2026 Axos Financial, Inc. All Rights Reserved. 5 Credit Quality ($ millions) %Non-Accrual LoansLoans O/SJune 30, 2026 1.29 %$ 59$ 4,582Single Family-Mortgage & Warehouse 0.2052,484Multifamily and Commercial Mortgage 0.17158,868Commercial Real Estate 0.81779,496Commercial & Industrial - Non-RE 0.
Slide 6: Selected Balance Sheet Data
6 © 2026 Axos Financial, Inc. All Rights Reserved. 6 June 30, 2025September 30, 2025 December 31, 2025March 31, 2026June 30, 2026 Selected Balance Sheet Data: $ 24,783,078$ 27,431,817$ 28,201,406$ 29,248,986$ 29,961,869Total assets 21,049,61022,635,13724,272,55224,957,53625,595,403Loans—net of allow
Slide 7: Selected Income Statement Data
7 © 2026 Axos Financial, Inc. All Rights Reserved. 7 At or For The Three Months Ended June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026 Selected Income Statement Data: $ 442,413$ 465,736$ 513,845$ 478,241$ 499,130Interest and dividend income 162,252174,686182,136171,980
Slide 8: Adjusted Earnings (non-GAAP) Reconciliation
8 © 2026 Axos Financial, Inc. All Rights Reserved. 8 1 Favorable legal settlement reflects the recognition of a legal settlement in the Company’s favor reached in March 2026. 2 Acquisition-related costs includes amortization of intangible assets, and for the three months ended September 30, 2025, al
Slide 9: Tangible Book Value Reconciliation
9 © 2026 Axos Financial, Inc. All Rights Reserved. 9 We define “tangible book value”, a non-GAAP financial measure, as book value adjusted for goodwill and other intangible assets. Tangible book value is calculated using common stockholders’ equity minus servicing rights, goodwill and other intangib
Slide 10: Contact Information
10 © 2026 Axos Financial, Inc. All Rights Reserved. 10 Greg Garrabrants, President and CEO Derrick Walsh, EVP and CFO investors@axosfinancial.com www.axosfinancial.com Johnny Lai, SVP Corporate Development and Investor Relations Phone: 858.649.2218 Mobile: 858.245.1442 jlai@axosfinancial.com Contact