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Here's What Key Metrics Tell Us About Axos Financial (AX) Q1 Earnings

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For the quarter ended September 2025, Axos Financial (AX - Free Report) reported revenue of $323.39 million, up 0.9% over the same period last year. EPS came in at $2.07, compared to $1.96 in the year-ago quarter.

The reported revenue represents a surprise of +0.79% over the Zacks Consensus Estimate of $320.85 million. With the consensus EPS estimate being $1.86, the EPS surprise was +11.29%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Axos Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency ratio: 48.3% compared to the 47.2% average estimate based on two analysts.
  • Net Interest Margin: 4.8% versus 4.8% estimated by two analysts on average.
  • Net annualized charge-offs to average loans: 0.1% versus the two-analyst average estimate of 0.1%.
  • Total Non-Interest Income: $32.34 million compared to the $32.09 million average estimate based on two analysts.
  • Net Interest Income: $291.05 million compared to the $288.73 million average estimate based on two analysts.

View all Key Company Metrics for Axos Financial here>>>

Shares of Axos Financial have returned -5.7% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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