Item 2.02 Results of Operations and Financial Condition

On January 26, 2023, Axos Financial, Inc. (the "Registrant") issued a press release announcing its second quarter results of operations for the period ended December 31, 2022. The press release is furnished as Exhibit 99.1. In addition, the Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.2 and 99.3.

Pursuant to General Instruction B.2. of Form 8-K, the information in this Item 2.02 of Form 8-K, including Exhibit 99.1, 99.2 and 99.3 is being furnished pursuant to Item 2.02 and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise be subject to the liabilities of that section, nor is it incorporated by reference into any filing of the Registrant under the Securities Act of 1933 or the Securities Exchange Act of 1934, whether made before or after the date hereof, regardless of any general incorporation language in such filing.

Item 9.01 Financial Statements and Exhibits.



(d)  Exhibits.

Exhibit                   Description
99.1                        Press Release
99.2                        Press Release Earnings Supplement
99.3                        Press Release Earnings Supplement PDF
                          Cover Page Interactive Data File (embedded within the Inline XBRL
104                       document)

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