Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 67

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 67
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 Current Reports on Form 8‑K and any amendments to such document as soon as practicable after we electronically file such material with or furnish such documents to the SEC.

<div align='center'>S-38</div>

### PROSPECTUS

#### AXOS FINANCIAL, INC.
<div align='center'>Common Stock
Preferred Stock
Debt Securities
Warrants</div>

#### Subscription Rights

#### Units
<div align='center'>____________________________</div>

From time to time, we may offer and sell our common stock, preferred stock, debt securities, warrants, subscription rights and units (collectively referred as “securities”) in amounts, at prices and on terms described in one or more supplements to this prospectus. The aggregate amount of the securities offered by us under this prospectus will not exceed $500,000,000. In addition, the selling stockholders named in this prospectus may offer, from time to time and in one or more offerings, up to $50,000,000 of our common stock.

This prospectus provides you with a general description of the securities that may be offered in one or more offerings. Each time we or the selling stockholders offer securities, we will provide a supplement to this prospectus that will contain more specific information about the terms of that offering. We may also add, update or change in the prospectus supplement any of the information contained in this prospectus.

You should read both this prospectus and the applicable prospectus supplement, as well as any documents incorporated by reference in this prospectus and/or the applicable prospectus supplement, before you make your investment decision.

#### Investing in our securities involves risks.
Before making any decision to invest in our securities, you should carefully consider the risks and uncertainties referenced under the heading “Risk Factors” contained in this prospectus beginning on page 6 of this prospectus and in any applicable prospectus supplement, as well as under any similar headings in the documents incorporated by reference herein.

The securities may be sold by us or the selling stockholders through underwriters or dealers, directly to purchasers or through agents designated from time to time. For additional information on the methods of sale, you should refer to the section entitled “Plan of Distribution” in this prospectus. If any underwriters are involved in the sale of any securities with respect to which this prospectus is being delivered, the names of such underwriters and any applicable discounts or commissions and over-allotment options will be set forth in a prospectus supplement. The price