Company: AX
Filing Date: 2025-01-28
Form Type: 424B5
Source: 0001299709-25-000009
Chunk: 16

Company: Axos Financial, Inc.
Filing Date: 2025-01-28
Form: 424B5
Chunk 16
---
 the FDIC or any other government agency.

The date of this prospectus is February 29, 2024</div>

### TABLE OF CONTENTS

### PROSPECTUS
|                                                           |     | Page |
| ABOUT THIS PROSPECTUS                                     |     |    1 |
| WHERE YOU CAN FIND MORE INFORMATION                       |     |    2 |
| CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS |     |    3 |
| DESCRIPTION OF AXOS FINANCIAL, INC.                       |     |    5 |
| RISK FACTORS                                              |     |    6 |
| USE OF PROCEEDS                                           |     |    6 |
| DESCRIPTION OF CAPITAL STOCK                              |     |    6 |
| DESCRIPTION OF DEBT SECURITIES                            |     |   10 |
| DESCRIPTION OF WARRANTS                                   |     |   16 |
| DESCRIPTION OF SUBSCRIPTION RIGHTS                        |     |   18 |
| DESCRIPTION OF UNITS                                      |     |   19 |
| SELLING STOCKHOLDERS                                      |     |   20 |
| PLAN OF DISTRIBUTION                                      |     |   21 |
| VALIDITY OF SECURITIES                                    |     |   24 |
| EXPERTS                                                   |     |   24 |

You should rely only on the information set forth or incorporated by reference in this prospectus or any supplement. No dealer, salesperson or other person is authorized to provide you with information different from that which is set forth or incorporated by reference in this prospectus. You must not rely on any unauthorized information or representations. This prospectus is an offer to sell only the securities it describes, and only under circumstances and in jurisdictions where it is lawful to do so. The information contained in this prospectus is accurate only as of the date of this prospectus, regardless of the time of delivery of this prospectus or prospectus supplement or any sale of a security.

### ABOUT THIS PROSPECTUS
This prospectus is part of a registration statement that we filed with the SEC using a “shelf” registration process. Under this shelf registration statement, we or the selling stockholders may sell:

• common stock;

#### •

preferred stock;

#### •

debt securities;

#### •

warrants to purchase common stock;

#### •

subscription rights; and

#### •

units

This prospectus provides you with a general description of the common stock, preferred stock, debt securities, warrants, subscription rights and units that