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, 2021 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 2021 Results Conference Call August 5, 2021 8:00 AM ET Company Participants Michael Keim - Investor Relations Jason Kulas - Chief Executive Officer Tim Jugmans - Chief Financial Officer Conference Call Participants John Hecht - Jefferies Greg Pendy - Sidoti Operator Good morning, ladies and gentlemen. Welcome to the EZCORP Third Quarter Fiscal 2021 Earnings Call. At this time all participants are in a listen-only mode. Later we will conduct a question-and-answer session and ins ...

Table of Contents Non-accelerated Filer ☐ Smaller Reporting Company ☒ Emerging Growth Company ☐ 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, 2021 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 spe ...

EZCORP, Inc. (NASDAQ:EZPW) Q2 2021 Earnings Conference Call May 6, 2021 8:00 AM ET Company Participants Michael Keim – Investor Relations Jason Kulas – Chief Executive Officer Tim Jugmans – Chief Financial Officer Conference Call Participants John Hecht – Jefferies Greg Pendy – Sidoti Operator Good morning, ladies and gentlemen, and welcome to the EZCORP Second Quarter Fiscal 2021 Earnings Conference Call. At this time all participants are in a listen-only mode. Later we will conduct a question-and-answer s ...

Second Quarter Fiscal 2021 Earnings May 6, 2021 Preliminary Statements Forward Looking Statements This document 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 forwardlooking statements. ...

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, 2021 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 in ...

EZCORP, Inc. (NASDAQ:EZPW) Q1 2021 Earnings Conference Call February 4, 2021 8:00 AM ET Company Participants Michael Keim - Investor Relations Jason Kulas - President & CEO Tim Jugmans - Interim Chief Financial Officer Conference Call Participants Greg Pendy - Sidoti John Hecht - Jefferies Operator Good morning, ladies and gentlemen, and welcome to EZCORP's First Quarter Fiscal 2021 Earnings Conference Call [Operator Instructions]. As a reminder, this call may be recorded. I would now like to turn this con ...

First Quarter Fiscal 2021 Earnings February 4, 2021 Preliminary Statements Forward Looking Statements This document 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 forwardlooking statemen ...

Table of Contents Large Accelerated Filer ☐ Accelerated Filer ☒ Non-accelerated Filer ☐ Smaller Reporting Company ☒ Emerging Growth Company ☐ 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, 2020 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. 0-1 ...

Operations and Locations - As of September 30, 2020, EZCORP operated a total of 1,005 locations, including 505 in the U.S., 368 in Mexico, and 132 in Guatemala, El Salvador, Honduras, and Peru[10]. - The company closed its CASHMAX financial services stores in Canada as part of a review of growth strategies and cost optimization initiatives[32]. - EZCORP aims to grow its number of locations through new openings and acquisitions in both Latin America and the U.S.[43]. - In fiscal 2020, the company opened 23 new stores in Latin America, increasing its total to 500 stores, which now represent 50% of its total pawn stores[44]. - As of September 30, 2020, over 60% of the company's U.S. pawn stores were located in Texas (43%) and Florida (19%), significantly impacting revenues and profitability[86]. - As of September 30, 2020, the company operated a total of 1,005 stores, with 505 located in the U.S. and 500 in Latin America[148]. Financial Performance - Total revenues for fiscal year 2020 were $822.8 million, a decrease from $847.2 million in 2019[159]. - Net revenues for fiscal year 2020 were $449.2 million, down from $494.4 million in 2019, reflecting a decline of approximately 9.1%[159]. - Pawn loan balances decreased by $51.1 million (32%) in U.S. Pawn and $16.7 million (40%) in Latin America Pawn compared to the prior year[165]. - The company recorded a goodwill impairment charge of $41.3 million in the second quarter of fiscal 2020 due to lower future cash flow forecasts[166]. - Cash balance increased to $312.6 million at the end of fiscal 2020, supported by increased merchandise sales and liquidity initiatives[165]. - The company has a long-term debt of $251.0 million as of September 30, 2020, compared to $238.4 million in 2019[160]. - The company incurred operating losses in Q4 of fiscal 2020 due to the COVID-19 pandemic and expects these losses to continue into fiscal 2021[77]. - Net revenues for fiscal 2020 were $449.2 million, a decrease of 9% compared to $494.4 million in fiscal 2019, primarily due to a 17% decline in pawn service charges[176]. - Pawn loans outstanding decreased by 34% during fiscal 2020, reflecting lower loan demand and increased loan redemptions related to federal economic stimulus measures[176]. Revenue Sources - The closing pawn loan principal balance was $131.3 million, with pawn service charges accounting for approximately 33% of total revenues and 61% of net revenues in fiscal 2020[24]. - Pawn service charges represented 63% of net revenues in fiscal 2020, with merchandise sales gross profit at 34%[16]. - The redemption rate for U.S. pawn loans was 88% in fiscal 2020, an increase from 84% in the previous year, while Latin America pawn loans maintained a redemption rate of 78%[30]. - U.S. Pawn segment net revenues decreased by 7% to $359.2 million, with pawn service charges down 15% due to a decline in new loan originations[183]. - Pawn service charges decreased by 21% to $62.6 million, while merchandise sales increased by 9% to $106.3 million in fiscal 2020[194]. Strategic Initiatives - The company implemented strategic initiatives to refocus on core pawn business and optimize cost structure for sustainable growth[170]. - The company has invested in a digital platform to enhance customer relationships, but there is no assurance of its success or acceptance by customers[93]. - The company faces significant competition from other pawn stores and consumer lending companies, which could adversely affect operations[105]. - The company faces significant competition from other pawn stores, banks, and credit service organizations, with customer service and convenience being key competitive factors[46]. Regulatory and Risk Factors - The company is subject to various regulations, including those related to anti-money laundering and consumer protection, which impact its operations[56][59]. - The pawn business in Mexico is regulated by PROFECO, which imposes significant fines for non-compliance with its rules[65]. - The company has a significant firearms business in the U.S., exposing it to increased regulatory risks and potential liabilities[99]. - The company faces risks from litigation and regulatory proceedings that could adversely affect results of operations and reputation[130]. - Public health issues, including pandemics, could limit the ability to supply products and services, adversely affecting financial condition[126]. - Cybersecurity breaches could lead to reputational damage and financial liabilities due to the sensitive customer information stored[142]. - Business operations could be interrupted by natural disasters or other adverse events, impacting financial condition and growth[143]. Asset Management - A significant portion of the company's collateral for pawn loans is gold jewelry, and fluctuations in gold values could materially impact earnings and financial position[88]. - The company has a 34.75% investment in Cash Converters International, and any decline in its fair value may require impairment, adversely affecting results of operations[109]. - As of September 30, 2020, the carrying value of goodwill was $257.6 million, representing approximately 22% of total assets[117]. - A goodwill impairment charge of $41.3 million was recorded in the second quarter of fiscal 2020 due to the impact of COVID-19, which included a significant decline in pawn loan balances[118]. - The company has $316.3 million of outstanding convertible notes, which could adversely affect liquidity if holders elect to convert[120]. - Approximately 10.4 million shares of Class A Common Stock were available for issuance as of September 30, 2020, limiting the ability to conduct future financings[125]. Employee and Operational Impact - The company employs approximately 5,900 team members across its operations in the U.S., Mexico, Guatemala, El Salvador, Honduras, Peru, and Canada[36]. - The company incurred pre-tax charges of $6.4 million for severance and payroll-related costs due to workforce reductions, and $4.9 million related to the closure of the CASHMAX business[170]. - Operating expenses decreased by 6% to $422.6 million, driven by a $21.0 million reversal in accrued incentive compensation and cost-cutting initiatives[178]. - The company recorded $54.7 million in impairment charges for goodwill and other assets during fiscal 2020[179].