AX FINANCIAL STATEMENTS

Axos Financial Inc — balance sheet, income statement and cash flow trends

AXAxos Financial Inc

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue2.1 B $+8.8%

Gross Profit1.3 B $+12.6%

Operating Income646.5 M $+7.4%

EBITDA708 M $+12.2%

Net Income476.1 M $+11.5%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
AX	—	—	—	22.7%
NDA-SE	—	—	—	20.9%
HALKB	—	—	—	16.6%
VAKBN	—	—	—	21.4%
YKBNK	—	—	—	23.3%
BEN	—	—	—	—
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity3.1 B $10%
Current Liabilities24.5 B $84%
Long-term Liabilities1.7 B $6%

Key Figures

YoY change

Total Assets29.2 B $+22.0%

Total Liabilities26.2 B $+22.5%

Total Equity3.1 B $+17.7%

Cash & ST Investments1.6 B $-24.6%

Total Debt2.8 B $+544.1%

Net Debt1.6 B $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
AX	0.09	91.9%	1.76	10.5%
NDA-SE	0.16	704.0%	25.50	4.4%
HALKB	—	0.0%	-33.00	5.1%
VAKBN	—	0.0%	-8.98	6.0%
YKBNK	—	0.0%	-9.43	8.0%
BEN	0.03	142.6%	—	6.6%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
AX	0.09	91.9%	1.76	10.5%
HOMB	0.29	21.5%	-6.71	18.7%
OZK	5.36	13.2%	-0.87	14.8%
AUB	0.85	25.8%	1.74	13.5%
ABCB	0.08	25.1%	-0.50	14.5%
HWC	0.51	38.0%	2.00	12.4%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow447.9 M $+27.7%

Capital Expenditures77.5 M $+80.6%

Free Cash Flow426.1 M $+38.4%

Dividends Paid——

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
AX	21.3%	20.3%	3.7%	94.1%
NDA-SE	-33.4%	-35.4%	2.0%	-159.7%
HALKB	16.6%	38.5%	21.9%	100.0%
VAKBN	21.4%	20.2%	1.1%	100.0%
YKBNK	23.3%	24.9%	1.6%	100.0%
BEN	—	—	—	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
AX	21.3%	20.3%	3.7%	94.1%
HOMB	31.5%	29.6%	2.0%	90.5%
OZK	28.9%	25.1%	3.8%	114.3%
AUB	104.5%	103.7%	0.9%	663.5%
ABCB	31.7%	30.2%	1.5%	122.0%
HWC	28.5%	27.4%	1.1%	133.3%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
AX	—	—	—	22.7%
HOMB	—	—	—	34.8%
OZK	—	—	—	25.3%
AUB	—	—	—	15.8%
ABCB	—	—	—	26.0%
HWC	—	—	—	21.4%
Industry median	—	67.2%	20.4%	20.6%