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Dec 31, 2025
Axos Financial Q2 2026 Earnings Report
Axos Financial reported strong financial results for the second fiscal quarter ended December 31, 2025, with significant increases in net interest income, non-interest income, and net income compared to the prior year.
Key Takeaways
Axos Financial, Inc. announced a net income of $128.4 million and diluted EPS of $2.22 for the second fiscal quarter ended December 31, 2025. This represents a 22.6% increase in net income and a 23.3% increase in diluted EPS year-over-year. Adjusted earnings also saw a substantial rise of 23.0% to $130.2 million.
Net interest income increased by 18.4% to $331.7 million for the quarter ended December 31, 2025, driven by strong organic loan growth and a prepayment in FDIC-purchased loans.
Non-interest income surged by 92.0% to $53.4 million, primarily due to $18.9 million from operating lease rental and other income from the Verdant acquisition.
Ending net loan balances grew by $1.6 billion linked quarter, reaching $24.3 billion at December 31, 2025, reflecting robust growth across various lending businesses.
Total deposits increased by over $2.4 billion, or 23.1% annualized, to $23.2 billion at December 31, 2025.
Revenue by Segment
Forward Guidance
The forward-looking statements indicate that Axos Financial anticipates continued growth and diversification, but acknowledges potential risks from market conditions and regulatory changes.
Positive Outlook
- Continued ability to grow profitably and increase business.
- Ability to continue to diversify lending and deposit franchises.
- Successful integration of acquisitions and realization of anticipated benefits.
- Strong financial prospects and asset quality.
- Positive outlook on deposit balances and capital ratios.
Challenges Ahead
- Risks and uncertainties related to changes in the interest rate environment.
- Potential impact of monetary policy, inflation, and government regulation.
- Changes in the competitive marketplace could affect performance.
- Conditions in the real estate markets where Axos operates may pose risks.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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