Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 26

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 26
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 |           |     |          |     |                  |
| Capital surplus                        |     |             548,895 |     |           |     |          |     |                  |
| Retained earnings                      |     |           2,618,525 |     |           |     |          |     |                  |
| Accumulated other comprehensive income |     |                 348 |     |           |     |          |     |                  |
| Treasury stock                         |     |            -487,802 |     |           |     |          |     |                  |
| Total Stockholders’ Equity             |     |           2,680,677 |     |           |     |          |     |                  |
| Total Debt and Stockholders’ Equity    |     |                     |     | 3,054,232 |     |          |     |                  |

(1) Subordinated debentures, subordinated notes and subordinated loans are shown gross of any debt issuance costs.

### CONSOLIDATED CAPITAL RATIOS
The following table sets forth our consolidated regulatory capital ratios at June 30, 2025(i) on an actual basis and (ii) on an as adjusted basis to give effect to the sale of $ aggregate principal amount of Notes offered hereby and the use of the proceeds of that sale to redeem all of the outstanding 2030 Notes.

|                                 |     | As of June 30, 2025 |     |             |
|:--------------------------------|:----|:--------------------|:----|:------------|
|                                 |     | Actual              |     | As Adjusted |
| Tier 1 leverage ratio           |     | 10.73%              |     |             |
| Common equity Tier 1 ratio      |     | 12.52%              |     |             |
| Tier 1 risk-based capital ratio |     | 12.52%              |     |             |
| Total risk-based capital ratio  |     | 15.28%              |     |             |

### DESCRIPTION OF NOTES
The following summary of the Notes does not purport to be complete and is qualified in its entirety by the Subordinated Indenture (as defined below), including the definitions therein of certain terms. Unless otherwise specified, capitalized terms used in this summary have the meanings specified in the Subordinated Indenture. For purposes of this “Description of Notes,” references to the “Company,” “Axos Financial,” “we,” and “us” include only Axos Financial, Inc.