Company: AX
Filing Date: 2025-09-25
Form Type: DEF 14A
Source: 0001299709-25-000174
Chunk: 23

Company: Axos Financial, Inc.
Filing Date: 2025-09-25
Form: DEF 14A
Chunk 23
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 Honor Roll Awardee 
 for the fourth consecutive year  |     | Strategicallyandopportunisticallyrepurchased                                                                         
 $58 millionof Company common stock at an average price of$61.40, compared to a price of $88.24 as of the record date |

| 33 |

#### Compensation Discussion & Analysis
The Company continues to increase net income, revenue, diluted EPS and book value per common share as reflected in the graphs below for the presented fiscal years ended June 30.

Return on Average Equity ( 1)

Return on Average Assets (1)

#### Net Income(1)

#### Revenue(1)

#### Diluted EPS(1)

#### Book Value per Share
| 34 |

#### Compensation Discussion & Analysis

#### Loans

#### Deposits
(1) The figures in 2024 include the impact of a one-time $92.4 million pre-tax ($65.4 million after-tax) gain related to the FDIC Loan Purchase. This gain increased return of average equity by 3.15%, return on average assets by 0.30%, net income by $65.4 million, revenue by $92.4 million and diluted EPS by $1.11 per share.

This performance continues the Company’s historical trend of ongoing performance, with continued growth in revenue, loans and deposits. In addition, the Company has achieved strong five-year compound annual growth rates (“CAGR”) in several key areas, including:

| 5-Year CAGR of Net Income:                  
 18.8%                                       |     | 5-Year CAGR of Revenue:  
 16.7%                    |     | 5-Year CAGR of Earnings Per Diluted Common Share: 
 20.0%                                             |
| 5-Year CAGR of Book Value Per Common Share: 
 18.2%                                       |     | 5-Year CAGR of Deposits: 
 13.0%                    |     | 5-Year CAGR of Loans:                             
 14.7%                                             |

| 35 |

#### Compensation Discussion & Analysis

#### Total Returns to Stockholders under our CEO
The following graph compares the total return of our common stock over the last 10 fiscal years with (i) the companies included in the total return for the U.S. NYSE Index (ticker: NYATR), and (ii) the banks included in the ABA NASDAQ Community Bank Total Return Index (“XABQ”). The graph assumes $100 was invested on June 30,