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 | | --- | --- | --- | | ( ...

EZCORP, Inc. (NASDAQ:EZPW) Q4 2022 Results Conference Call November 17, 2022 8:00 AM ET Company Participants Jean Marie Young - IR Lachlan Given - CEO Tim Jugmans - CFO Conference Call Participants Brian Nagel - Oppenheimer John Hecht - Jefferies Jean Marie Young - Three Part Advisors Operator Good morning, ladies and gentlemen. Welcome to the EZCORP Fourth Quarter and Full Year Fiscal 2022 Earnings Call. [Operator Instructions] As a reminder, this call may be recorded. I'd now like to turn the conference c ...

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, 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 (State or other jurisdiction of incorp ...

EZCORP, Inc. (NASDAQ:EZPW) Q3 2022 Results Conference Call August 4, 2022 8:00 AM ET Company Participants Jean Marie Young - IR, Three Part Advisors Lachie Given - CEO Tim Jugmans - CFO Conference Call Participants Sagiv Hartmayer - Jefferies Marla Backer - Sidoti Operator Good morning, ladies and gentlemen. Welcome to the EZCorp Third Quarter Fiscal 2022 Earnings Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow ...

THIRD QUARTER FISCAL 2022 EARNINGS AUGUST 2022 PRELIMINARY STATEMENTS FORWARD LOOKING STATEMENTS This presentation contains certain forward-looking statements. These statements are based on the company's current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address activities or results that the company plans, expects, believes, projects, estimates or anticipates will, should or may occur in the future are forward-looking statemen ...

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, 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 (State or other jurisdiction of inc ...

INVESTOR PRESENTATION JUNE 2022 1 PRELIMINARY STATEMENTS | --- | --- | --- | |------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|- ...

Financial Data and Key Metrics Changes - Pawn loans outstanding (PLO) increased by 38% year-over-year, reaching the highest level ever for the second quarter [5][21] - EBITDA rose by 61% for the second quarter, totaling $32.1 million [6][21] - Net income increased by 75% year-over-year, amounting to $16.6 million [6][10] Business Line Data and Key Metrics Changes - U.S. pawn operations saw PLO rise by 40%, with PSE up 19% year-over-year [22] - Latin American pawn operations experienced a 31% growth in PLO for the second quarter, with PSE up 29% [24] - Merchandise sales increased by 16% overall, with a 57% rise in Latin America [21][24] Market Data and Key Metrics Changes - The company operates 1,152 stores across the U.S. and Latin America, with a focus on expanding its geographic footprint [7] - The total expenses as a percentage of net revenues decreased from 93% to 82% year-over-year [11] Company Strategy and Development Direction - The company is focused on strengthening its core pawn business while driving operational efficiencies and enhancing return on capital [9] - A share buyback program of up to $50 million has been approved to return cash to shareholders [6][28] - Digital initiatives are aimed at attracting new customers, particularly younger demographics interested in secondhand goods [37] Management's Comments on Operating Environment and Future Outlook - Management anticipates continued increases in PLO levels as the business normalizes post-government stimulus [25] - Inflationary and wage pressures are expected to rise in the second half of the year, impacting costs [26] - The company is excited about returning to pre-COVID levels of profitability with a superior operating model [26] Other Important Information - The company has launched a loyalty program, EZPlus, which has enrolled over 930,000 customers [14] - The company procured over 1.5 million pre-owned items and sold approximately 1.4 million items during the quarter [17] Q&A Session Summary Question: How to balance expense base against inflationary pressures? - Management indicated that while costs will rise in dollar terms, they expect to maintain good performance as a percentage of net revenue [30] Question: Customer behavior changes related to inflation? - Management noted that inflation, changes in customer service, and tax credit impacts are influencing customer behavior [31] Question: Pipeline for acquisitions and overall market conditions? - The acquisition pipeline remains robust in both the U.S. and Latin America, with expectations of declining multiples [32] Question: Underperforming stores and potential closures? - Management conducts regular reviews of underperforming stores but currently sees no candidates for closure [35] Question: Direction of digital initiatives? - Digital initiatives are primarily aimed at attracting new customers and improving service for existing customers [36][37]

SECOND QUARTER FISCAL 2022 EARNINGS MAY 2022 PRELIMINARY STATEMENTS FORWARD LOOKING STATEMENTS This presentation contains certain forward-looking statements. These statements are based on the company's current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address activities or results that the company plans, expects, believes, projects, estimates or anticipates will, should or may occur in the future are forward-looking statements ...