Axos Financial, Inc. Fixed Income Investor Presentation
Efficient Operations and Stable Margins Lead to
Superior Profitability
Efficiency Ratio
36.08%
39.58%
2017 2018
1.68% 1.68%
51.12%(¹)
2019
2017 2018
47.50% 48.84% 48.74%
II
Return on Average Assets
2020
2019
2021 Q2 2022
1.51% 1.53% 1.52%
III
2020
1.65%
2021 Q2 2022
1.60%
3.90% 3.84% 3.76% 3.83% 3.92%
2017
Net Interest Margin
1.91%
2017
2018 2019
17.78% 17.05%
2.40%
2018
0.08%
axos
2020
2019
Fed Funds Rate
INIM (Excluding HRB)(²)
Return on Average Equity
0.10%
2020
4.16%
0.07%
2021 Q2 2022
15.40% 15.65% 16.51% 16.51%
Note: Company uses a June 30 fiscal year-end. Q2 2022 data is for the 6 months ended December 31, 2021.
(1) Securities segment added in third quarter of 2019.
(2) The Company partnered with H&R Block Bank (HRB) to provide HRB branded financial services products. The partnership was terminated on
December 8, 2020.
2021 Q2 2022
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