Axos Financial, Inc. (AX)
Digital bank with securities clearing and custody. Read November 11, 2026 from the annual report for the period ending June 30, 2026, filed August 20, 2026. Ranked 41 of the 173 Financial Services companies read so far, by the share within reach now.
Within reach now
56%
projected from METR's April 2026 measurement and Epoch's November 2026 index
End of 2028
68%
Employees, annual report
2,191
Leading staffing pattern
Credit Intermediation and Related Activities (5221 and 5223 only)
Share of the working time within reach, long-run pace, four times in five
Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.
- Now56%
- End of 202766%
- End of 202868%
- End of 203069%
What changes for its people by the end of 2028, by its industries' figures
- Stays with people 31%
- Becomes checking a model's work 62%
- Handed over with lighter checks 6%
A bank holding company with a securities business; the filing states one full-time total.
The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.
What follows from the reading
Share of working time within reach of AI, on the long-run pace at four in five: 56% now, 66% at the end of 2027, 68% at the end of 2028, 69% at the end of 2030. By the patterns, the work is about 69% desk work, 23% people work and 8% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 31% of the working time stays with people (conversation, in-person and hands-on work), 62% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.
Headcount
2,191 employees as of June 30, 2026 (stated). The excerpt does not say where employees work.
The filing: “At June 30, 2026, we had 2,191 full-time employees, which does not include seasonal interns.”
The workforce as industry patterns
| Pattern | Share | Reason, from the filing |
|---|---|---|
| Credit Intermediation and Related Activities (5221 and 5223 only) | 85% | By description (c): a bank that lends and takes deposits nationally through digital channels, the larger of its two businesses; no count by business. |
| Securities, Commodity Contracts, and Other Financial Investments and Related Activities | 15% | By description (c): its securities business clears trades for broker-dealers and holds custody for advisors; no count by business. |
What the filing says about the workforce: Full-time employees, not including seasonal interns; 1,989 a year earlier.
Companies read with the same leading pattern
Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.
- JPMorgan Chase (JPM, 318,512 employees)56% now, 70% by 2028
- Citigroup (C, 226,000 employees)57% now, 70% by 2028
- Bank of America (BAC, 213,000 employees)57% now, 69% by 2028
- Wells Fargo (WFC, 205,000 employees)57% now, 69% by 2028
- Capital One Financial Corporation (COF, 76,300 employees)56% now, 68% by 2028
- U.S. Bancorp (USB, 68,520 employees)56% now, 68% by 2028
- The PNC Financial Services Group, Inc. (PNC, 55,333 employees)56% now, 68% by 2028
- Mastercard Incorporated (MA, 39,800 employees)56% now, 68% by 2028
What the filing says about AI
16 sentences in the filing name AI. The filing names the use of AI by cybercriminals and the risks of developing and using new technologies including AI.
- “If any of these risks occur, our business, financial condition or results of operations could be materially and adversely affected. ◦ Changes in interest rates; ◦ General economic and market conditions, including the risk of a significant and/or prolonged period of inflation or economic downturn; ◦ Changes in the value of securities in our investment portfolio; ◦ The soundness of other financia...”
- “Further, the use of artificial intelligence ("AI") by cybercriminals may increase the frequency and severity of cybersecurity attacks against us or our service providers and others on whom we rely.”
- “The development and use of new technologies, including AI, present risks and challenges that may adversely impact our business.”
- “The banking and financial services industry continually experiences technological changes, with frequent introductions of new technology-driven products and services, including recent and rapid developments in AI, including with agentic AI and generative AI.”
- “Both our Company and third-party (or fourth-party) vendors might use AI or other new technologies in some business processes, products, or services.”
Its annual reports, year by year
Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector
- Fiscal 20210median 0
- Fiscal 20220median 0
- Fiscal 20230median 1
- Fiscal 202412median 4
- Fiscal 202515median 10
- Fiscal 202616
Headcount by filing year
As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.
| Period | Employees | Filed | Filing |
|---|---|---|---|
| 2026-06-30 | 2,191 | 2026-08-20 | 10-K |
| 2025-06-30 | 1,989 | 2025-08-21 | 10-K |
| 2024-06-30 | 1,781 | 2024-08-22 | 10-K |
| 2023-06-30 | 1,455 | 2023-08-29 | 10-K |
| 2022-06-30 | 1,335 | 2022-09-08 | 10-K |
| 2021-06-30 | 1,165 | 2021-08-26 | 10-K |
| 2020-06-30 | 1,099 | 2020-08-26 | 10-K |
| 2019-06-30 | 1,007 | 2019-08-28 | 10-K |
| 2018-06-30 | 801 | 2018-08-23 | 10-K |
| 2017-06-30 | 681 | 2017-08-24 | 10-K |
| 2016-06-30 | 647 | 2016-08-25 | 10-K |
| 2015-06-30 | 467 | 2015-08-26 | 10-K |
| 2014-06-30 | 366 | 2014-08-28 | 10-K |
| 2013-06-30 | 312 | 2013-09-04 | 10-K |
| 2012-06-30 | 230 | 2012-09-12 | 10-K |
| 2011-06-30 | 173 | 2011-09-13 | 10-K |
| 2010-06-30 | 90 | 2010-09-21 | 10-K |
| 2009-06-30 | 57 | 2009-09-25 | 10-K |
| 2008-06-30 | 44 | 2008-09-23 | 10-K |
| 2007-06-30 | 40 | 2007-09-27 | 10-K |
| 2006-06-30 | not read | 2006-09-25 | 10-K |
| 2005-06-30 | 40 | 2005-09-16 | 10-K |
Limits of this reading
- The filing states full-time employees only.
- No count by business; the securities share is by description.
Source: the company's annual report on EDGAR, accession 0001299709-26-000060, the filing. Read by Claude Fable 5.2 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.
The report on Axos Financial, Inc., $29
This page as a document to keep, with what it does not show: the share within reach at every date on three paces and two reliabilities, a typical workforce of this shape at the stated headcount role by role and task by task (the industries' staffing, never the company's roster), where to start, what changes for the people and what they would learn, every sentence in the filing that names AI, the headcount by year, the companies read with the same leading pattern, the method and a citation line. To print or save as a PDF, open again in your browser for a year.
See the report, $29See the sample first: Walmart's report is free
Questions about this company
- How much of Axos Financial, Inc.'s working time is within reach of AI?
- An estimated 56% now and 68% by the end of 2028, on METR's long-run pace at four in five, from the workforce Axos Financial, Inc.'s own annual report describes and BLS staffing patterns for its industries, never from a roster. It is an estimate with a stated method. It is not a forecast of jobs lost or of savings, and it says nothing about what the company will do.
- How many people does Axos Financial, Inc. employ?
- 2,191 as of June 30, 2026, as its annual report for the period ending June 30, 2026 states.
- What kinds of work make up Axos Financial, Inc.'s workforce?
- Read from its annual report as a blend of 2 industry staffing patterns, the largest Credit Intermediation and Related Activities (5221 and 5223 only); by those patterns the work is about 69% desk work, 23% people work and 8% body work. Each share has a one-sentence reason on this page that can be checked against the filing.
- What does Axos Financial, Inc.'s annual report say about AI?
- 16 sentences in the filing name AI. Its annual reports for fiscal 2021 to 2026 name it in 0, 0, 0, 12, 15 and 16 sentences, year by year. They are counted and quoted on this page, never judged: a count says how much a filing talks about AI, not what the company does with it.
- How is this estimated?
- Claude Fable 5.2 read the annual report under the Index's written rubric (version 1) on November 11, 2026: the stated headcount, the share in the U.S. when stated, and the workforce as a blend of industry staffing patterns. The estimates are the site's industry estimates weighted by those shares, from O*NET tasks with estimated lengths and METR's measurements of how long a task AI models can finish. A company can write to info@stratussc.com to have its reading checked against its filing.
Embed these figures on your site
A small card with the share of working time within reach now and at the end of 2027, 2028 and 2030, the date and a link back. Free under CC BY 4.0; the card carries the credit.