Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 5

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 5
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, excluding the exhibits to such documents that are not specifically incorporated by reference therein. Requests should be made by telephone, at (858) 649-2218, or by writing to Axos Financial, Inc., Attention: Investor Relations, 9205 West Russell Road, Suite 400, Las Vegas, Nevada 89148.

### EXTENDED SETTLEMENT
We expect that delivery of the Notes will be made against payment therefor on or about , 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.

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### CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS
Certain statements contained in this prospectus supplement, the accompanying prospectus and the documents incorporated by reference herein, and any other statements made by us from time to time may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Exchange Act. These forward-looking statements can be identified by the use of terminology such as “estimate,” “project,” “anticipate,” “expect,” “intend,” “believe,” “will,” or the negative thereof or other variations thereof or comparable terminology, or by discussions of strategy that involve risks and uncertainties. Forward-looking statements also include the assumptions underlying or relating to any of the foregoing statements. Forward-looking statements are subject to significant business, economic and competitive risks, uncertainties and contingencies, many of which are difficult to predict and beyond our control, which could cause our actual results to differ materially from the results expressed or implied in such forward-looking statements. These and other risks, uncertainties and contingencies are described under “ Risk Factors ” below and in “Item 1A. Risk Factors” of our 2025 Form 10-K, and the Company’s other reports filed with the SEC from time to time.