Axos Financial, Inc. (AX) Earnings History
Elite Compounder23 years of earnings data (2003–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
Loading earnings history...
Axos Financial, Inc. (AX) Earnings Overview
As of July 7, 2026, Axos Financial, Inc. (AX) reported trailing twelve-month net income of $476M, reflecting -3.0% year-over-year growth. The company earned $8.24 per diluted share over the past four quarters, with a net profit margin of 22.4%.
Looking at the long-term picture, AX's 5-year EPS compound annual growth rate (CAGR) stands at +20.0%, indicating exceptional earnings growth. The company achieved its highest annual net income of $450M in fiscal 2024.
Axos Financial, Inc. maintains industry-leading profitability with a gross margin of 61.5%, operating margin of 31.8%, and net margin of 22.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WAL ($959M net income, 18.4% margin), CUBI ($224M net income, 15.8% margin), BANR ($205M net income, 23.8% margin), AX has outperformed on profitability metrics. Compare AX vs WAL →
AX Earnings vs Peers
Earnings metrics vs comparable public companies
AX Historical Earnings Data (2003–2025)
23 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $433M | -3.8% | $613M | $7.43 | 22.4% | 31.8% |
| 2024 | $450M | +46.5% | $635M | $7.66 | 25.5% | 36.0% |
| 2023 | $307M | +27.6% | $432M | $5.07 | 24.3% | 34.2% |
| 2022 | $241M | +11.6% | $340M | $3.97 | 31.8% | 44.9% |
| 2021 | $216M | +17.6% | $306M | $3.56 | 30.3% | 42.9% |
| 2020 | $183M | +18.2% | $263M | $2.98 | 25.6% | 36.6% |
| 2019 | $155M | +1.8% | $213M | $2.49 | 24.1% | 33.0% |
| 2018 | $152M | +13.1% | $240M | $2.38 | 27.9% | 43.9% |
| 2017 | $135M | +13.0% | $233M | $2.07 | 29.6% | 51.1% |
| 2016 | $119M | +44.3% | $205M | $1.85 | 31.1% | 53.4% |
| 2015 | $83M | +47.8% | $141M | $1.34 | 30.1% | 51.2% |
| 2014 | $56M | +38.9% | $94M | $0.96 | 28.6% | 48.3% |
| 2013 | $40M | +36.7% | $68M | $0.72 | 24.7% | 41.7% |
| 2012 | $29M | +43.2% | $50M | $0.58 | 22.3% | 37.5% |
| 2011 | $21M | -2.6% | $34M | $0.47 | 20.4% | 33.9% |
| 2010 | $21M | +195.8% | $36M | $0.56 | 22.5% | 38.2% |
| 2009 | $7M | +70.2% | $12M | $0.19 | 9.8% | 16.6% |
| 2008 | $4M | +26.4% | $7M | $0.12 | 6.4% | 10.7% |
| 2007 | $3M | +1.6% | $6M | $0.09 | 7.3% | 12.2% |
| 2006 | $3M | +13.8% | $5M | $0.09 | 9.6% | 16.0% |
| 2005 | $3M | +31.9% | $5M | $0.10 | 12.3% | 20.4% |
| 2004 | $2M | +25.7% | $4M | $0.10 | 12.8% | 21.5% |
| 2003 | $2M | - | $3M | $0.09 | 11.6% | 20.1% |
Download Data
Export AX earnings history in CSV or JSON format
Free sign-in required to download data
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
23+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
AX — Frequently Asked Questions
Quick answers to the most common questions about buying AX stock.
What is AX earnings per share (EPS)?
AX trailing twelve-month (TTM) diluted EPS is $8.24, reflecting -3.0% year-over-year growth. The 5-year EPS CAGR is +20.0%. Complete EPS history from 2003 to 2025 is available in the table on this page.
What is Axos Financial, Inc.'s net income?
Axos Financial, Inc. (AX) trailing twelve-month net income is $476M as of 2025. Earnings declined -3.0% year-over-year. Axos Financial, Inc. has been profitable for 23 consecutive years.
Is AX profitable?
Yes, AX is profitable with a TTM net income of $476M and a net profit margin of +22.4%. Axos Financial, Inc. has generated profits for 23 consecutive years.
What is AX's earnings growth rate?
AX compound annual EPS growth rates (CAGR): 1-Year: -3.0%, 3-Year: +23.2%, 5-Year: +20.0%, 10-Year: +18.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2003 to 2025.
What are AX's profit margins?
Axos Financial, Inc. net profit margin is +22.4%, operating margin is +31.8%, and gross margin is +61.5%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +17.4%.
Is AX growing earnings?
AX earnings growth is slowing. Current YoY EPS growth of -3.0% trails the 5-year CAGR of +20.0%. TTM net income is $476M.
What was AX's best earnings year?
Axos Financial, Inc.'s highest annual net income on record is $450M, achieved in fiscal year 2024. Earnings history on this page spans 2003 to 2025 and includes all annual and quarterly figures.
What were AX's earnings last quarter?
AX's most recent reported quarter was Q3 2026. Net income was $125M with diluted EPS of $-2.79. For a full breakdown of all quarters, see the quarterly earnings table on this page.