Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 68

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 68
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 to the public of such securities and the net proceeds we expect to receive from such sale will also be set forth in a prospectus supplement.

Our common stock is quoted on the New York Stock Exchange (“NYSE”) under the symbol “AX.”

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None of the Securities and Exchange Commission (the “SEC”), the Office of the Comptroller of the Currency (the “OCC”), the Federal Deposit Insurance Corporation (the “FDIC”), the Board of Governors of the Federal Reserve System (“Federal Reserve Board”) or any state securities commission or any other federal or state bank regulatory agency has approved or disapproved of these securities or passed upon the adequacy or accuracy of this prospectus. Any representation to the contrary is a criminal offense.

The securities offered by this prospectus are not savings accounts, deposits or other obligations of any bank and are not insured or guaranteed by the FDIC or any other government agency.

The date of this prospectus is February 29, 2024</div>

### TABLE OF CONTENTS

### PROSPECTUS
|                                                           |     | Page |
| ABOUT THIS PROSPECTUS                                     |     |    1 |
| WHERE YOU CAN FIND MORE INFORMATION                       |     |    2 |
| CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS |     |    3 |
| DESCRIPTION OF AXOS FINANCIAL, INC.                       |     |    5 |
| RISK FACTORS                                              |     |    6 |
| USE OF PROCEEDS                                           |     |    6 |
| DESCRIPTION OF CAPITAL STOCK                              |     |    7 |
| DESCRIPTION OF DEBT SECURITIES                            |     |   11 |
| DESCRIPTION OF WARRANTS                                   |     |   18 |
| DESCRIPTION OF SUBSCRIPTION RIGHTS                        |     |   21 |
| DESCRIPTION OF UNITS                                      |     |   22 |
| SELLING STOCKHOLDERS                                      |     |   22 |
| PLAN OF DISTRIBUTION                                      |     |   24 |
| VALIDITY OF SECURITIES                                    |     |   27 |
| EXPERTS                                                   |     |   27 |

You should rely only on the information set forth or incorporated by reference in this prospectus or any supplement. No dealer, salesperson or other person is authorized to provide you with information different from that which is set forth or incorporated by reference in this prospectus. You must not rely on any unauthorized information or representations. This prospect