Axos Financial, Inc. · NYSE:AX
Axos Financial — Q4 2025 Earnings Presentation
10 slides from Axos Financial's earnings presentation, Jul 30, 2025
Slide 1: Axos Q4 Fiscal 2025 Earnings Supplement
Axos Q4 Fiscal 2025 Earnings Supplement July 30, 2025 NYSE: AX
Slide 2: Loan Growth by Category
Loan Growth by Category $ Millions Q4 FY25 Q3 FY25 Inc (Mar) Single Family Jumbo Mortgage $ 3,786 $ 3,697 $ 89 Mortgage & Warehouse SF Warehouse Lending 609 498 111 Multifamily & Multifamily 1,729 2,059 (330) Commercial Mortgage Small Balance Commercial 1,212 1,281 (69) CRE Specialty 5,713 5,371 342
Slide 3: Diversified Deposit Gathering
Diversified Deposit Gathering Approximately 90% of deposits are FDIC-insured or collateralized › Serves approximately 40% of U.S. Chapter 7 › Full service digital banking, wealth bankruptcy trustees in exclusive relationship management, and securities trading › Software allows servicing of SEC recei
Slide 4: Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Reserve (UCL)
Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Reserve (UCL) ($ in millions) 320 300 10.9 18.0 14.0 290.0 280 (9.0) 1.0 (3.1) 280.0 260 240 220 200 180 160 March 31, 2025 Gross Charge- Gross Recoveries Provision for June 30, 2025 offs Credit Losses ACL + UCL ACL + UCL ACL UC
Slide 5: Allowance for Credit Losses (ACL) by Loan Category
Allowance for Credit Losses (ACL) by Loan Category as of June 30, 2025 $ Millions 1 Loan Balance ACL ACL % Single Family Mortgage & Warehouse $ 4,395 $ 12 0.3 % Multifamily & Commercial Mortgage 2,941 26 0.9 % Loans Commercial Real Estate 6,937 114 1.6 % Commercial & Industrial Non-RE 6,796 122 1.8
Slide 6: Credit Quality ($ millions)
Credit Quality ($ millions) June 30, 2025 Loans O/S Non-Accrual Loans % Single Family-Mortgage & Warehouse $ 4,395 $ 44 1.00 % Multifamily and Commercial Mortgage 2,941 33 1.12 Commercial Real Estate 6,937 29 0.42 Commercial & Industrial - Non-RE 6,796 62 0.91 Auto & Consumer 483 2 0.41 Total $ 21,5
Slide 7: Selected Financial Information: Balance Sheet Data
AXOS FINANCIAL, INC. SELECTED FINANCIAL INFORMATION (Unaudited – dollars in thousands) June 30, March 31, December 31, September 30, June 30, 2025 2025 2024 2024 2024 Selected Balance Sheet Data: Total assets $ 24,783,078 $ 23,981,154 $ 23,709,422 $ 23,569,084 $ 22,855,334 Loans—net of allowance for
Slide 8: Selected Financial Information: Income Statement Data
AXOS FINANCIAL, INC. SELECTED FINANCIAL INFORMATION (Unaudited – dollars in thousands) At or For The Three Months Ended June 30, March 31, December 31, September 30, June 30, 2025 2025 2024 2024 2024 Selected Income Statement Data: Interest and dividend income $ 442,413 $ 432,722 $ 456,068 $ 484,262
Slide 9: Use of Non-GAAP Financial Measures
Use of Non-GAAP Financial Measures In addition to the results presented in accordance with GAAP, this earnings supplement includes non-GAAP financial measures such as adjusted earnings, adjusted earnings per diluted common share, and tangible book value per common share. Non-GAAP financial measures
Slide 10: Contact Information
Contact Information 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 10