EZCORP Reports Second Quarter Fiscal 2025 Results Record Q2 PLO & Revenues Drive Strong Increase in Profitability Austin, Texas (April 28, 2025) — EZCORP, Inc. (NASDAQ: EZPW), a leading provider of pawn transactions in the United States and Latin America, today announced results for its second quarter ended March 31, 2025. 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 ...

Core Insights - EZCORP reported a strong second quarter for fiscal 2025, with record pawn loans outstanding (PLO) and significant revenue growth, leading to increased profitability [1][3][6] - The company experienced a 7% increase in total revenues to $306.3 million and a 6% rise in gross profit to $178.5 million compared to the same period last year [6][7] - Adjusted EBITDA rose by 23% to $45.1 million, driven by strong operational performance and effective cost management [3][7] Financial Performance - Total revenues increased by 7% to $306.3 million, with a gross profit of $178.5 million, reflecting a 6% increase [6][7] - Net income grew by 18% to $25.4 million, while adjusted net income increased by 25% to $26.1 million [7] - Diluted earnings per share rose by 14% to $0.33, with adjusted diluted earnings per share increasing by 21% to $0.34 [7] Segment Performance - In the U.S., PLO and adjusted EBITDA increased by 15%, attributed to strong loan demand and disciplined cost management [4][6] - Latin America saw a 17% increase in PLO on a constant currency basis, with adjusted EBITDA growing by 36% due to robust demand for loans and secondhand goods [4][6] - Merchandise sales gross margin decreased slightly to 34%, while aged general merchandise increased to 2.4% of total inventory [9] Capital Management - The company completed a $300 million private offering of senior notes, enhancing financial flexibility and capital structure [5][6] - Cash and cash equivalents at the end of the quarter were $505.2 million, significantly up from $170.5 million as of September 30, 2024 [9] Operational Highlights - Pawn loans outstanding increased by 11% to $261.8 million, driven by higher average loan sizes and strong pawn demand [7][9] - Store expenses increased by 2%, while general and administrative expenses rose by 8%, primarily due to labor costs [9] - The company maintained a store count of 542 in the U.S. and 741 in Latin America, with a net addition of 1 store during the quarter [32]

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, 2025 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 ...

Core Viewpoint - EZCORP, Inc. is set to release its second quarter fiscal 2025 results on April 28, 2025, after market close, indicating ongoing operations and financial performance in the pawn transaction industry [1]. Group 1: Company Overview - EZCORP, formed in 1989, is a leading provider of pawn transactions in the United States and Latin America, focusing on meeting the short-term cash needs of consumers [3]. - The company also engages in selling pre-owned and recycled merchandise, primarily from collateral forfeited from pawn lending operations [3]. - EZCORP is publicly traded on NASDAQ under the symbol EZPW and is included in the S&P 1000 Index and Nasdaq Composite Index [3]. Group 2: Upcoming Events - The company will host a webcast and conference call on April 29, 2025, at 9:00 a.m. Eastern time to discuss its financial results [2]. - Presentation slides will be available in the Investor Relations section of the company's website after the market close on April 28, 2025 [2]. - A replay of the conference call will be accessible online shortly after the live event concludes [2].

Three major U.S. indexes the Nasdaq Composite, the S&P 500 and the Dow Jones Industrial Average closed deeply in red by 9.89%, 9.58% and 8.78% respectively, last week. The stocks have taken a beating after the implementation of President Donald Trump’s reciprocal tariff policies with major trading partners on April 2, 2025. Uncertainty over the impact of such policies on the U.S. economy has stoked fear of a near-term recession among market participants.Analysts are expecting a slowdown in economic growth a ...

Group 1 - The article discusses the impact of President Trump's recent reciprocal tariff announcements on the stock market, noting that U.S. stocks lost over 4% on April 3rd due to the unexpected severity of these tariffs [1] - Analysts express concern over the market's reaction to trade policies, highlighting the surprise element of the tariffs and their potential implications for investors [1] Group 2 - The author of the article has a long position in EZPW shares, indicating a personal investment interest in the stock mentioned [2] - The article is presented as an opinion piece, with no compensation received for the content, emphasizing the author's independent analysis [2] - Seeking Alpha clarifies that past performance does not guarantee future results, and the views expressed may not reflect the platform's overall stance [3]

Company Overview - Ezcorp (EZPW) shares increased by 5.4% to close at $15.52, with notable trading volume exceeding typical levels, contributing to an overall gain of 8.7% over the past four weeks [1][2] - The stock reached a 52-week high of $16.35, driven by expectations of sustained high interest rates, which are likely to support demand for pawn services in the upcoming quarters [2] Earnings Expectations - Ezcorp is projected to report quarterly earnings of $0.33 per share, reflecting a year-over-year increase of 17.9%, with revenues anticipated at $309.75 million, an 8.4% rise from the previous year [3] - The consensus EPS estimate for Ezcorp has been revised 1.6% higher in the last 30 days, indicating a positive trend that typically correlates with stock price appreciation [4] Industry Context - Ezcorp operates within the Zacks Financial - Consumer Loans industry, where Credit Acceptance (CACC) also operates, having closed 1.4% higher at $523.52, with an 8.2% return over the past month [4] - Credit Acceptance's EPS estimate has seen a significant change of -31% over the past month, but it still represents a 103% increase compared to the previous year [5]

Core Points - EZCORP, Inc. has successfully closed a private offering of $300 million in senior notes due 2032 [1][4] - The notes carry an interest rate of 7.375% per annum, with interest payments starting on October 1, 2025 [2] - The net proceeds from the offering are approximately $292.5 million, which will be used primarily to repay existing convertible senior notes [3] Company Overview - EZCORP is a leading provider of pawn transactions in the United States and Latin America, established in 1989 [7] - The company also engages in selling pre-owned and recycled merchandise, primarily from collateral forfeited from pawn lending operations [7] - EZCORP is listed on NASDAQ under the symbol EZPW and is part of the S&P 1000 Index and Nasdaq Composite Index [7]

AUSTIN, Texas, March 24, 2025 (GLOBE NEWSWIRE) -- EZCORP, Inc. (NASDAQ:EZPW) (the "Company"), a leading provider of pawn transactions in the United States and Latin America, announced today the pricing of its private offering of $300,000,000 aggregate principal amount of its senior notes due 2032 (the "Notes"). The Notes were offered in a private offering to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933 (the "Securities Act") or outsi ...

AUSTIN, Texas, March 24, 2025 (GLOBE NEWSWIRE) -- EZCORP, Inc. (NASDAQ: EZPW) (the “Company”), a leading provider of pawn transactions in the United States and Latin America, announced today that it intends to offer, subject to market conditions and other factors, $300,000,000 aggregate principal amount of its senior notes due 2032 (the “Notes”) in a private offering. The Notes will be senior unsecured obligations of the Company and will be fully and unconditionally guaranteed by certain of the Company’s wh ...