Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 4

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 4
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 only as of the dates when made. Accordingly, such representations, warranties, and covenants should not be relied upon as accurately representing the current state of our affairs.

You should carefully read the Registration Statement (including the exhibits thereto) of which this prospectus supplement and the accompanying prospectus form a part, this prospectus supplement, the accompanying prospectus and the documents incorporated by reference into this prospectus supplement and the accompanying prospectus before investing in the Notes. The incorporated documents are described under “ Incorporation of Certain Documents by Reference ” below.

### INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE
The SEC allows us to “incorporate by reference” much of the information we file with it into this prospectus supplement and the accompanying prospectus, which means that we can disclose certain important information to you by referring you to those publicly available documents we file with the SEC.

This prospectus supplement and the accompanying prospectus incorporate by reference those documents listed below and all documents which we subsequently file with the SEC pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) prior to the termination of the offering of the Notes described in this prospectus supplement; provided, however, that any documents, portions of documents or other information deemed to have been “furnished” and not “filed” with the SEC would not be deemed incorporated by reference:

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• our Annual Report on Form 10‑K for the fiscal year ended June 30, 2025, filed with the SEC on August 21, 2025 (the “2025 Form 10-K”);

• the information specifically incorporated by reference into our Annual Report on Form 10-K for the fiscal year ended June 30, 2024 from our Definitive Proxy Statement on Schedule 14A for the 2024 Annual Meeting of Stockholders, filed with the SEC on September 25, 2024; and

• the description of our common stock contained in our registration statement filed with the SEC pursuant to Section 12 of the Exchange Act, including any amendment or report filed for the purpose of updating such description.

Upon written or oral request, we will provide you without charge a copy of any or all of the documents that are incorporated by reference into this prospectus supplement and the accompanying prospectus but not delivered with this prospectus supplement or the accompanying prospectus