Company: AX
Filing Date: 2025-01-28
Form Type: 424B5
Source: 0001299709-25-000009
Chunk: 13

Company: Axos Financial, Inc.
Filing Date: 2025-01-28
Form: 424B5
Chunk 13
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 contribution to the Distribution Agents with respect to certain civil liabilities, including liabilities under the Securities Act.

The offering of our shares of common stock pursuant to the Equity Distribution Agreement will terminate upon the earlier of (i) the sale of all common stock subject to the Equity Distribution Agreement or (ii) the termination of the Equity Distribution Agreement as permitted therein.

This summary of the material provisions of the Equity Distribution Agreement does not purport to be a complete statement of its terms and conditions. A copy of the Equity Distribution Agreement will be filed as an exhibit to a Current Report on Form 8-K and incorporated into this prospectus supplement by reference.

The Distribution Agents and their affiliates may in the future provide various investment banking, commercial banking and other financial services for us and our affiliates, for which services they may in the future receive customary fees. In the course of their business, the Distribution Agents may actively trade our securities for their own accounts or for the accounts of customers, and, accordingly, the Distribution Agents may at any time hold long or short positions in such securities.

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#### Other Jurisdictions
Other than in the United States, no action has been taken by us or the Distribution Agents that would permit a public offering of the securities offered by this prospectus supplement in any jurisdiction where action for that purpose is required. The securities offered by this prospectus supplement may not be offered or sold, directly or indirectly, nor may this prospectus supplement or any other offering material or advertisements in connection with the offer and sale of any such securities be distributed or published in any jurisdiction, except under circumstances that will result in compliance with the applicable rules and regulations of that jurisdiction. Persons into whose possession this prospectus supplement comes are advised to inform themselves about and to observe any restrictions relating to the offering and the distribution of this prospectus supplement. This prospectus supplement does not constitute an offer to sell or a solicitation of an offer to buy any securities offered by this prospectus supplement in any jurisdiction in which such an offer or a solicitation is unlawful.

### LEGAL MATTERS
The validity of the securities being offered by this prospectus supplement and the accompanying prospectus will be passed upon by our legal counsel, Thompson Coburn LLP, Saint Louis, Missouri. The Distribution Agents have been represented by Freshfields US LLP, New York, New York.

### EXPERTS
The consolidated financial statements as of June 30, 2024 and 2023 and for each of the three years in the period ended June