Johnny Lai
SVP, Corporate Development and Investor Relations
Replay available
Axos Financial, Inc. (NYSE: AX) Q4 2025 earnings conference call, held 2025-07-30. Replay captured from the company's public earnings webcast.

SVP, Corporate Development and Investor Relations
President and Chief Executive Officer
Executive Vice President and Chief Financial Officer
Analyst, Needham & Company
Analyst, Raymond James
Analyst, Davidson
Analyst, KBW
actual financial fourth quarter 2025 earnings followed by cash. At this time, all participants are in English as you know. The question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. As a reminder, this conference is being recorded. It is now my pleasure to introduce you to your host, Johnny Lai, SVP, Corporate Development and IR. Thank you, Johnny. You may begin. Thanks, Alicia. Good afternoon, everyone, and thanks for your interest in Axos. Joining us today for Axos Financial Inc.' 's fourth quarter and fiscal 2025 financial results conference call are the company's president and chief executive officer, Greg Garabrantz, and Executive Vice President and Chief Financial Officer, Derek Walsh. Greg and Derek will review and comment on the financial and operational results for the quarter and fiscal year ended June 30th, 2025, and we will be available to answer questions after the prepared remarks. Before I begin, I'd like to remind listeners that prepared remarks made on this call may contain forward-looking statements that are subject to risk and uncertainties, and that management may make additional forelinking statements in response to your questions. Please refer to the safe harbor statement found in today's earnings press release and in our investor presentation for additional details. This call is being webcast, and there will be an audio replay available in the investor relations section of the company's website located at accessfinancial.com for 30 days. Details for this call were provided on the conference call announcement and in today's earnings press releases. Before handing over the call to Greg, I'd like to remind listeners that i...