分组1 - Ezcorp reported quarterly earnings of $0.42 per share, exceeding the Zacks Consensus Estimate of $0.35 per share, and showing an increase from $0.36 per share a year ago, representing an earnings surprise of 20% [1] - The company posted revenues of $320.17 million for the quarter ended December 2024, which was 2.12% below the Zacks Consensus Estimate, and an increase from $299.99 million year-over-year [2] - Over the last four quarters, Ezcorp has surpassed consensus EPS estimates three times but has only topped revenue estimates once [2] 分组2 - The stock has underperformed the market, losing about 1.2% since the beginning of the year compared to the S&P 500's gain of 2.7% [3] - The current consensus EPS estimate for the upcoming quarter is $0.30 on revenues of $312.7 million, and for the current fiscal year, it is $1.26 on revenues of $1.27 billion [7] - The Financial - Consumer Loans industry, to which Ezcorp belongs, is currently in the top 35% of Zacks industries, indicating a favorable outlook compared to the bottom 50% [8]

Austin, Texas (February 5, 2025) — EZCORP, Inc. (NASDAQ: EZPW), a leading provider of pawn transactions in the United States and Latin America, today announced results for its first quarter ended December 31, 2024. Unless otherwise noted, all amounts in this release are in conformity with U.S. generally accepted accounting principles ("GAAP") and comparisons shown are to the same period in the prior year. FIRST QUARTER HIGHLIGHTS CEO COMMENTARY AND OUTLOOK EZCORP Reports First Quarter Fiscal 2025 Results Re ...

Core Insights - EZCORP, Inc. reported strong first-quarter results for fiscal 2025, with record revenues and pawn loans outstanding (PLO) driven by high customer demand for cash solutions and secondhand goods [3][4][6]. Financial Performance - Total revenues increased by 7% to $320.2 million compared to $300.0 million in the same period last year [5][6]. - Gross profit rose by 7% to $185.4 million, up from $172.6 million [5][6]. - Net income increased by 9% to $31.0 million, with adjusted net income rising by 14% to $32.6 million [6][8]. - Diluted earnings per share (EPS) grew by 11% to $0.40, while adjusted diluted EPS increased by 17% to $0.42 [6][8]. - Adjusted EBITDA rose by 12% to $53.0 million [6][8]. Segment Performance - In the U.S., PLO grew by 15%, attributed to strong loan demand and higher average loan sizes [4][6]. - Latin America saw PLO increase by 19% on a constant currency basis, with revenues up 18%, reflecting robust demand for loans and secondhand goods [4][6]. - The EZ+ Rewards program accounted for 77% of all transacting customers, indicating strong customer engagement [4]. Operational Metrics - Pawn loans outstanding (PLO) reached $274.8 million, a 13% increase year-over-year [6][8]. - Merchandise sales gross margin decreased slightly to 35% from 36% [8]. - Net inventory increased by 21%, with inventory turnover decreasing to 2.7x from 3.0x [8]. Strategic Outlook - The company plans to continue driving growth through organic initiatives and strategic mergers and acquisitions (M&A) [4]. - EZCORP remains committed to enhancing customer service and shareholder value, positioning itself for another record year in fiscal 2025 [4].

Core Insights - EZCORP, Inc. reported strong financial results for the first quarter of fiscal 2025, with record revenues and growth in pawn loans outstanding (PLO) driven by high customer demand for cash solutions and secondhand goods [3][4][5]. Financial Performance - Total revenues increased by 7% to $320.2 million compared to $300.0 million in the same period last year [5][6]. - Gross profit rose by 7% to $185.4 million, up from $172.6 million [5][6]. - Net income increased by 9% to $31.0 million, with adjusted net income rising by 14% to $32.6 million [6][8]. - Diluted earnings per share (EPS) grew by 11% to $0.40, while adjusted diluted EPS increased by 17% to $0.42 [6][8]. - Adjusted EBITDA rose by 12% to $53.0 million [6][8]. Segment Performance - In the U.S., PLO grew by 15% to $220.2 million, driven by strong loan demand and higher average loan sizes [4][8]. - Latin America PLO increased by 19% on a constant currency basis, with revenues up 18%, reflecting robust customer demand [4][8]. - Pawn service charge (PSC) revenues increased by 10% due to higher average PLO [8][13]. Operational Highlights - The EZ+ Rewards program accounted for 77% of all transacting customers, indicating strong customer engagement [4]. - Net inventory increased by 21%, attributed to the rise in PLO and a decrease in inventory turnover [8][13]. - Store expenses increased by 5%, while general and administrative expenses rose by 13%, primarily due to labor costs [8][13]. Strategic Outlook - The company aims to continue driving growth both organically and through strategic mergers and acquisitions (M&A) [4]. - EZCORP remains committed to enhancing customer service and shareholder value, positioning itself for another record year in fiscal 2025 [4].

Financial Performance - Pawn service charges (PSC) increased by 11% to $87.9 million for the three months ended December 31, 2024, compared to $79.1 million in the same period of 2023[99]. - Gross profit for the U.S. Pawn segment rose by 9% to $138.7 million, up from $127.4 million year-over-year[99]. - Total revenues for the company increased by 7% (18% on a constant currency basis) with gross profit rising by 4% (14% on a constant currency basis)[106]. - Latin America Pawn segment gross profit increased by 4% to $46.7 million, with a 14% increase on a constant currency basis[106]. - Segment contribution for Latin America Pawn increased by 14% to $11.6 million (24% on a constant currency basis)[107]. - Segment contribution for Other Investments increased by 28% to $2.2 million, primarily due to an increase in equity in net income of unconsolidated affiliates[109]. - Net cash provided by operating activities increased by 21% year-over-year to $25.99 million[116]. - Cash and cash equivalents balance was $174.5 million at December 31, 2024, up from $170.5 million at September 30, 2024[114]. Operational Metrics - The average monthly ending pawn loan balance per store increased by 10% to $396, compared to $359 in the prior year[99]. - The total number of pawn stores increased to 1,283 as of December 31, 2024, from 1,237 a year earlier, with 4 new locations opened in the U.S.[96]. - The company announced an acquisition agreement for 53 pawn stores in Mexico, expected to close by October 31, 2024[86]. - Net inventory increased by 17%, aligning with the growth in pawn loans outstanding (PLO), which ended the quarter at $220.2 million, up 15%[100]. - Net inventory increased by 35% (57% on a constant currency basis), while inventory turnover decreased to 3.1x from 3.8x[107]. - The company reported a decrease in inventory turnover to 2.5x from 2.7x, indicating slower sales relative to inventory levels[101]. Sales and Margins - Jewelry scrapping sales gross profit surged by 131% to $3.5 million, reflecting a gross margin increase from 12% to 23%[99]. - Merchandise sales increased by 7% to $57.5 million, with a gross margin decrease to 30% from 32%[106]. - The gross margin on merchandise sales remained flat at 37%, with merchandise sales increasing by 3% to $128.8 million[99]. - Total revenues for the U.S. Pawn segment increased by 7%, driven by higher PSC and merchandise sales[100]. Expenses and Contributions - Store expenses rose by 8%, primarily due to increased labor costs, while segment contribution increased by 11% to $52.9 million[102]. - The company maintains a focus on expanding its operations through new store openings and acquisitions in both the U.S. and Latin America[90]. Forward-Looking Statements - The company includes forward-looking statements in its quarterly report, which are subject to risks and uncertainties[126]. - Actual results may differ materially from those expressed in forward-looking statements due to various risks beyond the company's control[126]. - The company disclaims any responsibility to publicly update forward-looking statements except as required by law[127].

AUSTIN, Texas, Feb. 04, 2025 (GLOBE NEWSWIRE) -- EZCORP, Inc. ("EZCORP" or the "Company") (NASDAQ:EZPW), a leading provider of pawn transactions in the United States and Latin America, will issue first quarter fiscal 2025 results (period ended December 31, 2024) on Wednesday, February 5th, 2025, after the market close. The Company will host a webcast and conference call at 9:00 a.m. Eastern time on Thursday, February 6th, 2025, to discuss its results. The presentation slides will be posted to the Investor R ...

Since last writing about EZCORP (NASDAQ: EZPW ) on Nov. 4 , shares in the pawn shop operator have experienced only modest levels of price appreciation, with EZPW stock rising by about 5.29%. Given how strongly thisAnalyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than ...

Growth investors focus on stocks that are seeing above-average financial growth, as this feature helps these securities garner the market's attention and deliver solid returns. However, it isn't easy to find a great growth stock.That's because, these stocks usually carry above-average risk and volatility. In fact, betting on a stock for which the growth story is actually over or nearing its end could lead to significant loss.However, the Zacks Growth Style Score (part of the Zacks Style Scores system), whic ...

Ezcorp (EZPW) closed the last trading session at $11.92, gaining 2.8% over the past four weeks, but there could be plenty of upside left in the stock if short-term price targets set by Wall Street analysts are any guide. The mean price target of $15.67 indicates a 31.5% upside potential.The average comprises three short-term price targets ranging from a low of $13 to a high of $19, with a standard deviation of $3.06. While the lowest estimate indicates an increase of 9.1% from the current price level, the m ...

Ezcorp (EZPW) came out with quarterly earnings of $0.26 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.23 per share a year ago. These figures are adjusted for non-recurring items.A quarter ago, it was expected that this consumer financial services company would post earnings of $0.22 per share when it actually produced earnings of $0.23, delivering a surprise of 4.55%.Over the last four quarters, the company has surpassed consensus EPS estimates three times.Ezcorp, whi ...