Company: AX
Filing Date: 2025-09-25
Form Type: DEF 14A
Source: 0001299709-25-000174
Chunk: 40

Company: Axos Financial, Inc.
Filing Date: 2025-09-25
Form: DEF 14A
Chunk 40
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| Total Return to Stockholders Relative to XABQ |     | •Link long-term compensation to total return to stockholders and encourage long-term investments that will result in market recognizing long-term value creation 
 •Reward performance relative to XABQ index                                                                                                                       
 •Discourage excessive risk-taking due to long term formulaic negative carryforward and four year vesting period                                                  |     | •Achieved a 33% total return to stockholders, outperforming the XABQ index return of 21%      |

(1) Performance-Based Compensation is in addition to a Salary and 401(k).

• 93.9% of CEO’s Fiscal Year 2025 Compensation is performance based

• 79.9% of Average NEO Fiscal Year 2025 Compensation is performance based

• Strategically and opportunistically repurchased $58 million of Company common stock during fiscal year 2025 at an average price of $61.40, compared to a price of $88.24 as of the record date

• Over a five year period, the common stock of the Company has provided a total return of 344%, significantly outperforming the total NYSE return of 193% and the XABQ return of 180%

| 5-Year CAGR of Net Income: 
 18.8%                      |     | 5-Year CAGR of Revenue: 
 16.7%                   |     | 5-Year CAGR of Book Value Per Common Share: 
 18.2%                                       |

| 48 |

#### Compensation Discussion & Analysis

#### Executive Compensation Tables

#### Summary Compensation Table
The following table shows all compensation earned and equity incentives awarded during fiscal year 2025 and the preceding two fiscal years for our CEO, CFO, and the other three most highly compensated executive officers. All individuals listed in the following table are referred to in this Proxy Statement as the “Named Executive Officers.”

| Name and Title                     |     |      | Year(1) |     |      | Salary(2) |         |     |   |         |     | Non-Equity      
 Incentive Plan  
 Compensation(3) |           |     |   |           |     | Bonus(4) |         |     |   |         |     | Stock     
 Awards(5) |           |     |   |           |     | All Other       
 Compensation(6) |        |     |   |        |     | Total |            |     |