Company: AX
Filing Date: 2025-09-17
Form Type: 424B5
Source: 0001299709-25-000159
Chunk: 11

Company: Axos Financial, Inc.
Filing Date: 2025-09-17
Form: 424B5
Chunk 11
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 and to support growth initiatives at the Company’s subsidiaries and for general corporate purposes.  See “Use of Proceeds.”                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| Material U. S. Federal Income Tax Considerations |     | You should carefully review the section “Material U.S. Federal Income Tax Considerations”in this prospectus supplement and discuss the tax consequences of your particular situation with your tax advisor.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| Certain ERISA Considerations                     |     | For a discussion of certain prohibited transactions and fiduciary duty issues pertaining to purchases by or on behalf of an employee benefit plan, you should read “Certain ERISA Considerations.”                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| Global Note; Book-Entry System                   |     | The Notes offered hereby will be evidenced by a global note deposited with the trustee for the Notes, as custodian for DTC. Beneficial interests in the global note will be shown on, and transfers of those beneficial interest can only be made through, records maintained by DTC and its participants. See “Description of Notes—Form, Denomination, Transfer, Exchange and Book-Entry Procedures.”                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |

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| Risk Factors      |     | Investing in the Notes involves risks. Potential investors are urged to carefully read and consider the risk factors relating to an investment in the Notes set forth under “Risk Factors” of this prospectus supplement and the accompanying prospectus, as well as the risk factors and other information included or incorporated by reference in this prospectus supplement and the accompanying prospectus, including those under Item 1A “Risk Factors” in our 2025 Form 10-K. |
| Governing Law     |     | The Notes and the Subordinated Indenture pursuant to which we will issue the Notes will be governed by the laws of the State of New York.                                                                                                                                                                                                                                                                                                                                            |
| Trustee           |     | U.S. Bank Trust Company, National Association.                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| Calculation Agent |     | We will appoint a calculation agent for the Notes prior to the commencement of the floating rate period. We will act as the initial calculation agent.                                                                                                                                                                                                                                                                                                                               |

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### RISK FACTORS
An investment in the Notes is subject to various risks that may adversely affect their value. Before making an investment decision, you should carefully consider the risk factors and other information described in this prospectus supplement and the accompanying prospectus