Risk factors

Axos Financial (AX) risk factors

Item 1A of every Axos Financial, Inc. 10-K on file, and what changed from one year to the next.

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  • FY2026 10-K risk factors

    53 risks, 4 new, 2 dropped, 8 reworded since the prior year. Commercial and industrial loans rose to $9.5 billion, or 36.4% of loans, increasing exposure to borrower and collateral losses.

    Filed Aug 20, 2026
  • FY2025 10-K risk factors

    51 risks. Axos Financial's risk profile is dominated by real estate market exposure, particularly in California and New York, and interest rate sensitivity.

    Filed Aug 21, 2025