Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 7

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 7
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• The effectiveness of our risk management processes and procedures;

• Our reliance on technology innovation, including the development and use of artificial intelligence;

• Our dependence on third-party service providers for core banking and securities transactions technology;

• Privacy concerns relating to our technology that could damage our reputation or deter customers from using our products and services;

• Information security incidents;

• Risk of systems failure and disruptions to operations;

• Possible exposure to environmental liability;

• The outcome or impact of current or future litigation involving the Company;

• Extreme weather conditions, a natural disaster, rising sea levels, acts of war or terrorism, civil unrest, public health issues, or other adverse external events; and

• The additional risks referred to in the section entitled “ Risk Factors .”

You should not place undue reliance on any forward-looking statements. Forward-looking statements speak only as of the date they are made, and we undertake no obligation to update or revise them in light of new information, future events or otherwise except to the extent required by federal securities laws. All written and oral forward-looking statements made by us, which are attributable to us or persons acting on our behalf, are expressly qualified in their entirety by the foregoing information.

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| PROSPECTUS SUPPLEMENT SUMMARY                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
 This summary highlights selected information from this prospectus supplement and in the accompanying prospectus and in the documents we incorporate by reference. This summary is not complete and may not contain all the information that is important to you or that you should consider before investing in the Notes. You should carefully read this summary together with the entire prospectus supplement and the accompanying prospectus, and the other documents that we include in and/or have incorporated by reference in this prospectus supplement and the accompanying prospectus in their entirety, before making an investment decision. You should carefully consider, among other things, the matters discussed in the section titled “Risk Factors” in this prospectus supplement, the section of the accompanying prospectus under the heading “Risk Factors” and risk factors discussed in our 2025 Form 10-K.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
 Axos Financial, Inc. and Subsidiaries                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
 Axos Financial, Inc. is a technology-driven, diversified financial services company with approximately $24.8 billion in assets and approximately $39.4 billion of assets under custody and/or administration at our