Company: AX
Filing Date: 2025-09-25
Form Type: DEF 14A
Source: 0001299709-25-000174
Chunk: 48

Company: Axos Financial, Inc.
Filing Date: 2025-09-25
Form: DEF 14A
Chunk 48
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 Average Summary Compensation Table Total for Non-PEO NEOs and Average CAP to Non-PEO NEOs                                                   |     | $           |    760,621 |     | $    |  590,990 |     | $    |  161,241 |     | $    | -510,209 |     |      |     | $ | 1,363,144 |

(4) Axos Total Shareholder Return and Peer Group Total Shareholder Return assumes $100 was invested in Company common stock and in the ABAQ Total Return Index (ticker: XABQ), respectively, on June 30, 2020.

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#### Compensation Discussion & Analysis
The charts and narrative below are based on the information above in order to present the relationship between Company’s PEO’s CAP and the Company’s Average CAP for Non-PEO NEO with the indicated measure of financial performance, for the last five fiscal years.

Compensation Actually Paid versus Company and Peer Group Total Stockholder Returns

| PEO CAP                     |     | Average CAP for Non-PEO NEO    |
| Company Shareholder Returns |     | Peer Group Shareholder Returns |

Axos total shareholder return and peer group total shareholder return are impacted by external factors related to broader equity markets. PEO CAP and Average CAP for Non-PEO NEO include significant equity components and are calculated using the fiscal year-end share prices, which inherently are impacted by external factors related to broader equity markets.

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#### Compensation Discussion & Analysis
Compensation Actually Paid versus Net Income

| PEO CAP |     | Average CAP for Non-PEO NEO |     | Net Income |

Excluding the impact of a one-time gain recognized related to a loan purchase in fiscal year 2024, the Company’s net income has increased in each of the past five fiscal years reflecting the successful leadership of the PEO and the Non-PEO NEOs. However, net income is dependent on a variety of factors, some of which are not directly linked to how compensation actually paid to the Company’s executive officers is determined for purposes of this disclosure, including the share price of the Company’s common stock during the applicable fiscal year.

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#### Compensation Discussion & Analysis
Compensation Actually Paid versus Return on Average Common Equity

| PEO CAP |     | Average CAP for Non-PEO NEO |     | Average Common Equity |

The Company’s return on average common equityhas ranged from 15.61% to 21