Investor Presentation Q1 2026 NASDAQ: EZPW 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. ...

Exceptional Operating Performance Drives Outstanding Earnings GrowthAUSTIN, Texas, Feb. 04, 2026 (GLOBE NEWSWIRE) -- 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, 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 year. FIRST QUARTER HIGHLIG ...

Core Viewpoint - EZCORP, Inc. is set to release its first quarter fiscal 2026 results on February 4, 2026, after market close, indicating ongoing transparency and communication with investors [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 [4]. - The company also engages in selling pre-owned and recycled merchandise, primarily from collateral forfeited from pawn lending operations [4]. - EZCORP is publicly traded on NASDAQ under the symbol EZPW and is included in the S&P 1000 Index and Nasdaq Composite Index [4]. Upcoming Events - A webcast and conference call will be held on February 5, 2026, at 9:00 a.m. Eastern time to discuss the financial results, showcasing the company's commitment to investor engagement [2]. - Presentation slides will be available on the Investor Relations section of the company's website after the market close on February 4, 2026 [2]. - A replay of the conference call will be accessible shortly after the live event concludes [3].

Core Insights - EZCORP, Inc. reported record revenue and pawn loans outstanding (PLO) for fiscal year 2025, driven by strong demand for cash solutions and secondhand goods [5][6] - The company achieved a 26% increase in adjusted EBITDA to $191.2 million and a 27% rise in adjusted diluted EPS to $1.43 [5][9] - The growth strategy included disciplined acquisitions and de novo store openings, resulting in a total of 1,360 stores across five countries [6][7] Fourth Quarter Highlights - Total revenues for Q4 increased by 14% to $336.8 million, with gross profit rising by 13% to $198.6 million [9][10] - Net income surged by 76% to $26.7 million, while diluted EPS increased by 62% to $0.34 [9][10] - Pawn loans outstanding reached $307.5 million, a 12% increase, reflecting higher average loan sizes and strong demand [12] Full Year 2025 Highlights - Full year total revenues rose by 10% to $1,274.3 million, with gross profit increasing by 9% to $746.1 million [9][10] - Net income for the year was $109.6 million, a 32% increase, with diluted EPS up 29% to $1.42 [9][10] - The company expanded its footprint by 81 stores, including 52 acquisitions and 40 de novo openings [9][10] Segment Results - In the U.S. pawn segment, PLO increased by 9% to $233.8 million, driven by higher average loan sizes and improved operational performance [11] - Latin America pawn segment saw PLO improve by 23% to $73.7 million, with total revenues up 11% on a constant currency basis [13] - Jewelry scrap sales in Q4 increased by 91%, contributing to a gross margin increase of 1,010 basis points to 29% [12] Financial Position - Cash and cash equivalents rose significantly to $469.5 million from $170.5 million, primarily due to a $300 million issuance of Senior Notes [12] - The company maintained a flexible balance sheet, focusing on high-return growth and opportunistic share repurchases [7][12] - Total assets increased to $1,951.2 million, up from $1,493.2 million year-over-year [22][23]

Core Points - EZCORP, Inc. will release its fourth quarter and full year fiscal 2025 results on November 13, 2025, after market close [1] - A conference call and webcast to discuss the results will take place on November 14, 2025, at 9:00 a.m. Eastern time [2][3] Company Overview - EZCORP, formed in 1989, is a leading provider of pawn transactions in the United States and Latin America, also selling pre-owned and recycled merchandise [4] - The company focuses on meeting the short-term cash needs of consumers who are cash and credit constrained, emphasizing an industry-leading customer experience [4]

Core Insights - EZCORP, Inc. is a leading provider of pawn transactions in the United States and Latin America, focusing on satisfying short-term cash needs for consumers [3] Company Overview - EZCORP was formed in 1989 and has grown significantly in the pawn transaction industry [3] - The company also sells pre-owned and recycled merchandise, primarily from collateral forfeited from pawn lending operations [3] - EZCORP is traded on NASDAQ under the symbol EZPW and is a member of the S&P 1000 Index and Nasdaq Composite Index [3] Upcoming Investor Events - EZCORP will participate in the Canaccord Genuity 45 Annual Growth Conference in Boston from August 12–14, 2025, with CFO Tim Jugmans participating in a fireside chat on August 12 [4] - The BTIG Consumer Finance Corporate Access Day will take place on September 17, 2025, where CEO Lachie Given and CFO Tim Jugmans will host one-on-one meetings [4] - The Stephens Midwest Non-Deal Roadshow is scheduled for September 18–19, 2025, with CFO Tim Jugmans meeting institutional investors in Chicago and Milwaukee [4]

Core Viewpoint - EZCORP, Inc. is set to release its third quarter fiscal 2025 results on July 30, 2025, after market close, indicating ongoing operations and financial performance in the pawn transaction industry [1]. Group 1: Financial Results Announcement - The third quarter fiscal 2025 results will cover the period ending June 30, 2025 [1]. - A webcast and conference call will be held on July 31, 2025, at 9:00 a.m. Eastern time to discuss the results [2]. - Presentation slides will be available on the Investor Relations section of the company's website after the market close on July 30, 2025 [2]. Group 2: Company Overview - EZCORP has been a leading provider of pawn transactions in the United States and Latin America since its formation in 1989 [4]. - The company also engages in selling pre-owned and recycled merchandise, primarily from collateral forfeited from pawn lending operations [4]. - EZCORP focuses on meeting the short-term cash needs of consumers who are cash and credit constrained, emphasizing an industry-leading customer experience [4].

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]

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].