Company: AX
Filing Date: 2025-09-17
Form Type: 424B5
Source: 0001299709-25-000159
Chunk: 68

Company: Axos Financial, Inc.
Filing Date: 2025-09-17
Form: 424B5
Chunk 68
---
 against payment therefor on or about September 19, 2025, which will be the third business day following the date of pricing of the Notes, or “T+3 .” Under Rule 15c6-1 of the Exchange Act, trades in the secondary market generally are required to settle in one business day, unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the Notes prior to the delivery of the Notes will be required, by virtue of the fact that the Notes initially settle in T+3, to specify an alternate settlement arrangement at the time of any such trade to prevent a failed settlement. Purchasers of the Notes who wish to trade the Notes prior to their date of delivery hereunder should consult their advisors.

### LEGAL MATTERS
The validity of the Notes being offered by this prospectus will be passed upon by our legal counsel, Thompson Coburn LLP, St. Louis, Missouri. Certain legal matters relating to this offering will be passed upon for the underwriters by Freshfields US LLP, New York, New York.

### EXPERTS
The consolidated financial statements as of June 30, 2025 and 2024 and for each of the three years in the period ended June 30, 2025 and management’s assessment of the effectiveness of internal control over financial reporting as of June 30, 2025, incorporated by reference in this prospectus have been so incorporated in reliance on the reports of BDO USA, P.C., an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

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### WHERE YOU CAN FIND MORE INFORMATION
We are subject to the information requirements of the Exchange Act. Accordingly, we file annual, quarterly and current reports, proxy statements and other information with the SEC and filed a registration statement on Form S‑3 under Section 27A of the Securities Act of 1933, as amended, relating to the Notes offered by this prospectus. This prospectus, which forms part of the Registration Statement, does not contain all of the information included in the Registration Statement. For further information, you should refer to the Registration Statement and its exhibits.

You may read and copy the Registration Statement and any document we file with the SEC at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further information