Company: AX
Filing Date: 2025-01-28
Form Type: 424B5
Source: 0001299709-25-000009
Chunk: 3

Company: Axos Financial, Inc.
Filing Date: 2025-01-28
Form: 424B5
Chunk 3
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 representations, warranties and covenants should not be relied on as accurately representing the current state of our affairs.

Unless otherwise mentioned or unless the context requires otherwise, all references in this prospectus supplement and accompanying prospectus to “Axos,” “the Company,” “we,” “us,” and “our” refer to Axos Financial, Inc., a Delaware corporation and its subsidiaries.

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### INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE
The SEC allows us to “incorporate by reference” information that we file with the SEC into this prospectus supplement and accompanying prospectus, which means we can disclose important information to you by referring you to another document. The information incorporated by reference is considered to be part of this prospectus supplement and accompanying prospectus from the date on which we file that document. Any reports filed by us with the SEC (i) on or after the date of filing of the registration statement and (ii) on or after the date of this prospectus supplement and accompanying prospectus and before the termination of the offering of the securities by means of this prospectus supplement and accompanying prospectus will automatically update and, where applicable, supersede information contained in this prospectus supplement and accompanying prospectus or incorporated by reference into this prospectus supplement and accompanying prospectus. We incorporate by reference the following documents:

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Our Annual Report on Form 10‑K for the fiscal year ended June 30, 2024, filed with the SEC on August 22, 2024;

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Our Quarterly Report on Form 10-Q for the fiscal quarter ended September 30, 2024, filed with the SEC on October 30, 2024;

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Our Definitive Proxy Statement on Schedule 14A for the 2024 Annual Meeting of Stockholders, filed with the SEC on September 25, 2024, and our Definitive Additional Materials on Schedule 14A, also filed with the SEC on September 25, 2024;

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Our Current Reports on Form 8-K filed with the SEC on September 26, 2024 (with respect to Item 5.02) and November 15, 2024 (with respect to Item 5.07);

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The description of our common stock contained in our Registration Statement filed with the SEC pursuant to Section 12 of the Exchange Act, including any amendment or report filed for the purpose of updating such description