Ezcorp (EZPW) closed the most recent trading day at $8.78, moving +1.5% from the previous trading session. This change outpaced the S&P 500's 0.76% gain on the day. Elsewhere, the Dow saw an upswing of 0.59%, while the tech-heavy Nasdaq appreciated by 1.12%.Coming into today, shares of the consumer financial services company had lost 1.03% in the past month. In that same time, the Finance sector lost 2.01%, while the S&P 500 gained 2.5%.Market participants will be closely following the financial results of ...

FY23 - U.S. Race & Ethnicity Underrepresented Minority White Global Employees Global Management 11 ($ millions) All figures adjusted for discrete items and constant currency. See Appendix for reconciliations. FINANCIAL RESULTS – U.S. PAWN | --- | --- | --- | --- | --- | --- | --- | --- | |-------|-------------------------------------------------------------------------------------------------------------------|-------------|------------------------|-------|-------------|-------------------------------|----- ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-19424 EZCORP, INC. (Exact name of registrant as specified in its charter) | Delaware | | 74-2540145 | | --- | --- | --- | | | | (I ...

Financial Data and Key Metrics Changes - Pawn loans outstanding reached a record $223.8 million, up 10% for the quarter and 7% on a same-store basis [5][24] - Total Q3 revenue hit a record $249.5 million, up 16% year-over-year, driven by higher PSC and sales volumes across all regions [5][12] - Adjusted EBITDA for the quarter was $27 million, an increase of 8% [12][18] - EBITDA margin decreased to 12% for the last 12 months ending June 2023, down from 13% in the previous year due to inflationary pressures [13] Business Line Data and Key Metrics Changes - U.S. Pawn operations saw PLO rise 12%, driving PSC up 16% year-over-year [18] - Merchandise sales in the U.S. were up 9%, with merchandise sales gross profit increasing by 3% [18] - Latin American Pawn EBITDA improved by 10% to $8.6 million, primarily due to higher gross profit [19] Market Data and Key Metrics Changes - The macroeconomic environment remains challenging, with consumers seeking cash and value for secondhand products [6] - The company operates 1,212 stores in the U.S. and Latin America, having added 13 stores in the quarter [6] Company Strategy and Development Direction - The company is focused on operational excellence and executing its 3-year strategic plan, which has yielded strong financial results [5] - Investment in recruitment, retention, and technology is prioritized to enhance team engagement and customer experience [7][14] - The company aims to improve customer experience and grow its customer base through personalized marketing and enhanced digital platforms [15][22] Management's Comments on Operating Environment and Future Outlook - Management noted that the macroeconomic environment continues to be tough, but they are seeing growth in both store and online customers [32] - The company expects continued growth in PLO and PSC, with record numbers anticipated by the end of Q4 [34][26] - Inflationary pressures are expected to persist, impacting expenses, but the company is focused on driving revenue growth to maintain profitability [48] Other Important Information - The company has a strong and liquid balance sheet, allowing for significant growth in earning assets and share repurchase programs [9] - The EZ+ Loyalty Program has grown to 3.3 million customers, up 14% sequentially [11][22] - The company has launched a reimagined philanthropic strategy to support financial literacy and community well-being [16] Q&A Session Summary Question: Insights on new customer trends and drivers - Management observed strong website activity and growth in new customers due to the challenging macroeconomic environment [32] Question: Expectations for PLO and inventory ratio - Management expects continued growth in PLO, with the inventory ratio remaining around 1.3x to 1.5x [34][36] Question: Discussion on merchandising margin pressures - Management indicated that increased inventory and customer choice are putting pressure on margins, with macroeconomic conditions also affecting pricing [41][42] Question: Views on share price valuation - Management expressed frustration with the current share price, stating it is undervalued relative to the company's strong financial results [46][47] Question: Future expectations for inflationary impacts on expenses - Management anticipates some inflationary pressures will continue into fiscal 2024, particularly in Latin America [48]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-19424 EZCORP, INC. (Exact name of registrant as specified in its charter) | Delaware | | 74-2540145 | | --- | --- | --- | | (I.R. ...

EZCORP, Inc. (NASDAQ:EZPW) Q2 2023 Earnings Conference Call May 4, 2023 9:00 AM ET Company Participants Jean Young - Three Part Advisors Lachlan Given - CEO, Director & Chief Strategy, M&A and Funding Officer Timothy Jugmans - CFO Conference Call Participants William Dossett - Oppenheimer Brian McNamara - Canaccord Genuity John Hecht - Jefferies Operator Good morning, ladies and gentlemen. Welcome to the EZCORP Second Quarter Fiscal 2023 Earnings Call. [Operator Instructions]. As a reminder, this call may b ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-19424 EZCORP, INC. (Exact name of registrant as specified in its charter) | Delaware | | 74-2540145 | | --- | --- | --- | | (I.R ...

EZCORP, Inc. (NASDAQ:EZPW) Q1 2023 Earnings Conference Call February 2, 2023 9:00 AM ET Company Participants Jean Marie Young - Investor Relations, Freeport's Advisors Lachlan Given - Chief Executive Officer Tim Jugmans - Chief Financial Officer Conference Call Participants Brian Nagel - Oppenheimer John Hecht - Jefferies Brian McNamara - Canaccord Genuity Alexander Villalobos - Jefferies Operator Good morning, ladies and gentlemen. Welcome to the EZCORP First Quarter Fiscal 2023 Earnings Call. At this time ...

Discrete Adjustments — — — — — — U.S. Pawn EBITDA 31.4 23.1 19.2 10.4 84.1 23.5 28.4 20.8 23.6 96.2 37.1 36.4 32.3 33.7 139.6 42.0 In addition to the financial information prepared in conformity with generally accepted accounting principles in the United States ("GAAP"), we provide certain other non-GAAP financial information on a constant currency basis ("constant currency"). We use constant currency results to evaluate our Latin America Pawn operations, which are denominated primarily in Mexican pesos, Gu ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 0-19424 EZCORP, INC. (Exact name of registrant as specified in its charter) | Delaware | | 74-2540145 | | --- | --- | --- | | ( ...