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Axos Financial, Inc. Investor Presentation

Consolidated Fiscal First Quarter 2024 Highlights Compared with Fiscal First Quarter 2023 Asset Growth $ Millions 25,000 20,000 15,000 10,000 5,000 0 $ Millions 100 50 0 18,407 Q1 2023 Net Income 69.6* 58.4 13.1% Q1 2023 18.7% 20,825 Q1 2024 82.6 Q1 2024 $ Millions 20,000 15,000 10,000 5,000 0 $ Diluted EPS 1.40 1.20 1.00 0.80 0.60 0.40 0.20 0.00 Return on Equity = 16.91% Return on Assets = 1.64% Deposit Growth 15,177 15.7% Q1 2023 Diluted EPS 1.15* 0.97 Q1 2023 20.0% axos * Net income and diluted EPS for Q1 2023 exclude a $16.0 million ($11.2 million post tax) accrual as a result of an adverse legal judgement that has not been finalized. 17,566 Q1 2024 1.38 Q1 2024 6

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