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Mar 31, 2025
Axos Financial Q3 2025 Earnings Report
Reported unaudited financial results for the third fiscal quarter ended March 31, 2025
Key Takeaways
Axos Financial reported a decrease in net income and diluted EPS for the third fiscal quarter of 2025 compared to the prior year, despite an increase in net interest income. The decrease was primarily due to higher provision for credit losses and increased non-interest expenses.
Net income decreased by 5.0% to $105.2 million for the quarter ended March 31, 2025.
Diluted EPS decreased by 5.2% to $1.81 for the quarter ended March 31, 2025.
Net interest income increased by 5.3% to $275.5 million, primarily due to lower rates paid on deposit balances.
Total assets increased by 4.9% to $24.0 billion at March 31, 2025, driven by loan growth.
Revenue by Segment
Forward Guidance
The CEO highlighted strong loan growth and good credit quality, with decreases in non-performing and non-accrual loans.
Positive Outlook
- Over $700 million in net loan growth, the strongest quarter in fiscal year 2025.
- Continued growth in asset-based lending, lender finance, and equipment leasing businesses.
- Improved production and net attrition from single-family mortgage and multifamily lending businesses.
- Credit quality remains good.
- Non-performing and non-accrual loans declined compared to the linked quarter.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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