Axos Financial (AX) Beats Q4 Revenue, EPS Estimates; TBVPS Growth Signals Strength

Axos Financial (NYSE:AX) reported Q4 CY2025 revenue of $385.1M, up 25.1% YoY and 12% above consensus, with non-GAAP EPS of $2.25 — 8.5% ahead of estimates. CEO Greg Garrabrants credited strong net interest income and margin expansion for the 23.3% YoY diluted EPS growth. Net interest income accounted for 87.2% of five-year revenue, underpinning predictable earnings. Tangible book value per share (TBVPS) rose 19.3% annually over five years, reaching $47.79 as of Q4 2025, with analysts projecting $56.12 by January 2027. The stock rose 1.4% post-earnings to $96.03 on January 29, 2026.