Axos Financial Q4 adjusted EPS beats estimates on loan growth

Axos Financial

30/07/2026 21:19

Overview
US digital bank's fiscal Q4 adjusted EPS rose 30% yr/yr, beating analyst expectations
Adjusted net income for fiscal Q4 also beat analyst expectations
Company repurchased $22 mln in shares and closed Jenius Bank acquisition, adding $2.3 bln in deposits

Outlook
Company did not provide specific guidance for the current quarter or full year

Result Drivers
NET INTEREST INCOME - Growth was primarily due to increased interest income from loans, partially offset by higher funding costs
NON-INTEREST INCOME - Increase driven by Verdant Commercial Capital acquisition and higher prepayment penalty income
LOAN GROWTH - Solid loan growth across consumer and commercial lending categories supported results, per CEO Greg Garrabrants

Company press release: ID:nBwbRWNbya

Key Details
Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Adjusted EPS
Beat
$2.53
$2.16 (6 Analysts)
Q4 EPS
 
$2.16
 
Q4 Adjusted Net Income
Beat
$146.17 mln
$126.79 mln (6 Analysts)
Q4 Net Income
 
$124.95 mln
 
Q4 Net Interest Income
 
$317.89 mln
 

Analyst Coverage
The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 6 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"
The average consensus recommendation for the banks peer group is "buy"
Wall Street's median 12-month price target for Axos Financial Inc is $110.00, about 12% above its July 29 closing price of $98.18
The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 9 three months ago

Reuters Recommended Reads
July 29 - SoFi's unchanged profit forecast tempers record quarter, revenue outlook lift
July 29 - First US Bancshares Q2 profit rises on loan growth, lower deposit costs
July 30 - Citizens Financial Q2 profit rises 20% on higher interest income

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)