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. Readings are automated and can be wrong; check the filing for the exact wording.

Open AX in Gloom →
Axos Financial's chart, financials and news, free in your browser.Open AX in Gloom →
  • FY2026 10-K risk factors
    53 risks4 new2 dropped8 reworded

    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