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Axos Financial cash flow, quarter by quarter

Latest: Q1 FY27 · from the cash-flow statements filed with the SEC

Free cash flow$235M in Q1 FY27 · $417M over twelve months

Operating cash flow$295M
Capital spending−$59.4M
Free cash flow+$235M
Cash / net income2.3×

Analysis

In Q1 FY27, Axos Financial generated $295M of operating cash flow and spent $59.4M on capital projects, leaving free cash flow of $235M. That is $126M more than in Q1 FY26 ($109M).

Over the twelve months to Sep 30, 2026, operating cash flow was $734M; the largest uses were other investing ($4.1B), capital spending ($317M), net borrowing (+) / repaid (−) ($261M); besides operations, cash came from other financing ($3.0B); the cash balance fell by $1.0B.

Operating cash flow was $295M against net income of $130M — 2.3× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$47.2M, depreciation & amortization +$29.2M, stock-based pay +$11.2M.

Free cash flow

Axos Financial: free cash flow by quarterAxos Financial: free cash flow by quarter$156MQ2 FY25$65.1MQ3 FY25$162MQ4 FY25$109MQ1 FY26$85.4MQ2 FY26−$101MQ3 FY26$198MQ4 FY26$235MQ1 FY27
Operating cash flow less capital spending.
Axos Financial: operating cash flow against capital spendingAxos Financial: operating cash flow against capital spendingOperating cash flowCapital spending$163M$6.1MQ2 FY25$73.7M$8.6MQ3 FY25$183M$21.8MQ4 FY25$118M$9.1MQ1 FY26$104M$18.7MQ2 FY26$42.0M$143MQ3 FY26$293M$95.3MQ4 FY26$295M$59.4MQ1 FY27
Latest (Q1 FY27): Operating cash flow $295M, Capital spending $59.4M.

Capital allocation, year by year

Axos Financial: where the cash came from (up) and went (down), by fiscal yearAxos Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingAcquisitionsBuybacksFY22: Operating cash flow $217MFY22: Net borrowing $75.3MFY22: Capital spending −$21.5MFY22: Acquisitions −$54.6M$292MFY22FY23: Operating cash flow $197MFY23: Net borrowing −$84.3MFY23: Capital spending −$30.2MFY23: Acquisitions −$5.5MFY23: Buybacks −$49.0M$197MFY23FY24: Operating cash flow $305MFY24: Net borrowing −$27.2MFY24: Capital spending −$36.0MFY24: Buybacks −$96.3M$305MFY24FY25: Operating cash flow $490MFY25: Capital spending −$54.2MFY25: Buybacks −$58.2M$490MFY25FY26: Operating cash flow $558MFY26: Net borrowing −$197MFY26: Capital spending −$266MFY26: Acquisitions −$474MFY26: Buybacks −$22.0M$558MFY26
Over these 5 years operating cash flow totalled $1.8B; the largest uses were acquisitions ($535M) and capital spending ($408M). Cash-flow statements as filed.

Where the cash came from and went

Axos Financial: sources (+) and uses (−) of cash, Q1 FY27Axos Financial: sources (+) and uses (−) of cash, Q1 FY27Other financing$754MCash drawn (+) / kept (−)−$569MOther investing−$338MOperating cash flow$295MNet borrowing (+) / repaid (−)−$63.9MCapital spending−$59.4MAcquisitions−$7.5MTaxes on employees’ shares−$7.2MBuybacks−$4.0M
Axos Financial: sources (+) and uses (−) of cash, TTM to Q1 FY27Axos Financial: sources (+) and uses (−) of cash, TTM to Q1 FY27Other investing−$4.1BOther financing$3.0BCash drawn (+) / kept (−)$1.0BOperating cash flow$734MCapital spending−$317MNet borrowing (+) / repaid (−)−$261MTaxes on employees’ shares−$28.9MBuybacks−$26.0MAcquisitions−$7.5M

From profit to cash

Axos Financial: net income to operating cash flow, Q1 FY27Axos Financial: net income to operating cash flow, Q1 FY27Net income$130MDepreciation & amortization$29.2MStock-based pay$11.2MDeferred taxes$7.2MGains on investments−$7.1MPrepaid and other assets$47.2MOperating cash flow$295M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q1 FY27$295M−$59.4M−$7.5M−$4.0M−$63.9M−$569M$235M
Q4 FY26$293M−$95.3M—−$22.0M−$84.7M$43.5M$198M
Q3 FY26$42.0M−$143M——−$42.5M−$10.8M−$101M
Q2 FY26$104M−$18.7M——−$84.9M$1.5B$85.4M
Q1 FY26$118M−$9.1M−$474M——−$709M$109M
Q4 FY25$183M−$21.8M—−$32.3M−$63.5M$81.3M$162M
Q3 FY25$73.7M−$8.6M—−$25.9M$18.5M$416M$65.1M
Q2 FY25$163M−$6.1M——$45.0M$130M$156M

Axos Financial: income statement and cash flow

Axos Financial, Q1 FY27: revenue $395M (+22% year over year), operating margin 44.3%. The chart follows the revenue to costs, profit and cash.

Axos Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.