EZCORP Earnings Reports

EZCORP delivered a robust fourth quarter in fiscal year 2025, driven by significant growth in pawn loans outstanding and merchandise sales. The company reported a substantial increase in revenue and net income, reflecting strong operational execution across its US and Latin America pawn segments.

EZCORP delivered record Q3 revenue and achieved all-time high Pawn Loans Outstanding (PLO), reflecting strong demand for immediate cash solutions and secondhand goods. The company's disciplined execution and efficiency gains translated into significant earnings growth, with adjusted EBITDA increasing by 42% and diluted EPS growing by 36%. Strategic expansion, including 52 new stores, further contributed to the positive performance.

EZCORP delivered strong operational and financial performance in Q2 Fiscal 2025, with record Pawn Loans Outstanding (PLO) and a significant increase in profitability. Net income rose 18% to $25.4 million, and diluted EPS increased 14% to $0.33. Total revenues grew 7% to $306.3 million, and gross profit increased 6% to $178.5 million. The company also completed a $300 million senior notes offering, enhancing financial flexibility.

EZCORP reported a net income of $31.016 million for the three months ended December 31, 2024, an increase of 9% compared to the same period last year. Total revenues reached $320.170 million, up from $299.991 million in the prior year. Basic earnings per share were $0.57, and diluted earnings per share were $0.40.

EZCORP reported a strong fourth quarter with a 9% increase in total revenues to $294.6 million and a 12% increase in pawn loans outstanding (PLO) to $274.1 million. Net income increased by $4.9 million to $15.2 million, and diluted earnings per share rose to $0.21 from $0.15. The company's performance reflects improved pawn service charge revenues and merchandise sales, driven by higher average PLO and strategic store expansion.

EZCORP reported a strong third quarter with record Q3 revenues and the highest level of PLO in company history. Total revenues increased by 10%, and pawn loans outstanding rose by 14%. The company expanded its footprint by adding twelve new stores and demonstrated its commitment to returning capital to shareholders by repurchasing $3.0 million worth of shares.

EZCORP reported a strong second quarter with record revenues, driven by high consumer demand and excellent customer service. Net income increased significantly, and diluted earnings per share improved from a loss to a profit. The company continued to expand its store network and enhance customer engagement through its loyalty program and online payment options.

EZCORP reported a strong first quarter for fiscal year 2024, with record revenues and significant increases in net income and diluted earnings per share. The company's growth was driven by increased demand for pawn loans and merchandise sales.

EZCORP reported a strong fourth quarter and full year fiscal 2023, with total revenue increasing 16% for the quarter and 18% for the full year. Pawn loans outstanding increased by 17% to $245.8 million. Net income for the quarter was $10.3 million, an increase of $2.9 million.

EZCORP's third quarter fiscal 2023 saw a 19% increase in total revenue and a 15% increase in gross profit. Pawn loans outstanding were up 12% to $229.4 million, and net income increased by $6.0 million to $18.2 million.

EZCORP reported a 20% increase in total revenue and a 16% increase in gross profit for the second quarter of fiscal year 2023. Pawn loans outstanding rose by 19% to $206.1 million. However, the company experienced a net loss of $6.8 million, primarily due to a share of a one-time, non-cash goodwill impairment recognized by Cash Converters International.

EZCORP reported a strong first quarter with a 20% increase in total revenue and a 15% increase in gross profit. Pawn loans outstanding rose by 19%, and the company achieved its highest ever quarterly sales result. Net income for the quarter was $16.8 million, an increase of $1.1 million, with diluted earnings per share of $0.25.

EZCORP reported a strong fourth quarter and full year, with pawn loans outstanding up 19% to a record high of $210.0 million. Total revenue increased 21% for both the quarter and the full year, while net income for the quarter was $7.3 million, an increase of $5.8 million, and $50.2 million for the year, an increase of $41.5 million.

EZCORP reported a strong third quarter with pawn loans outstanding up 30% to a record high of $204.2 million, driving significant increases in pawn service charges and earnings improvement. Total revenue increased 24%, and net income was $12.2 million, an increase of $14.8 million.

EZCORP reported a strong second quarter with significant growth in pawn loans outstanding (PLO), total revenue, and net income. The company's PLO reached its highest level at the end of Q2 and is approaching pre-pandemic levels. The Board of Directors authorized a new share repurchase program for up to $50 million.

EZCORP's first quarter results for 2022 showed significant growth, with pawn loans outstanding up 19%, total revenue increasing by 24%, and net income up by 266%. The company's diluted earnings per share also saw a substantial increase, and the return on earning assets remained strong.

EZCORP reported a strong fourth quarter with significant improvements in key financial metrics. Pawn Loans Outstanding increased 34%, total revenue rose by 15%, and net revenue increased by 33%. Diluted earnings per share was $0.03, compared to a diluted loss per share of $0.42, and on an adjusted basis, diluted earnings per share was $0.11, compared to diluted earnings per share of $0.08.

EZCORP reported a net revenue increase of 6% and a significant rise in pawn loans outstanding by 39%. The company completed a major acquisition in Mexico, expanding its store count. While merchandise sales decreased, gross profit improved due to effective inventory management. Net loss was reduced compared to the previous year, and adjusted EBITDA more than doubled.

EZCORP reported a decrease in total revenues by 17% to $184.9 million, primarily due to lower pawn service charges and merchandise sales. However, merchandise sales gross profit improved by 12%, driven by effective inventory management. Diluted earnings per share was $0.10, and adjusted EPS was $0.17, consistent with the prior-year quarter.

EZCORP reported a decrease in total revenues by 20% due to a decline in pawn service charges (PSC) and merchandise sales. However, diluted earnings per share increased to $0.08 compared to $0.02 in the prior-year quarter. The company focused on expense control, leading to a 15% decrease in total operating expenses.

EZCORP reported a decrease in total revenues by 22% to $166.9 million and a net loss of $23.3 million, impacted by lower pawn service charges and COVID-19 effects. Strategic initiatives to reduce costs are underway, with expected annual corporate expense reductions of over $12 million and store-level operating cost reductions of $14 million. PLO increased $18.0 million during the quarter as compared to the third quarter of fiscal 2020.

EZCORP reported a 4% increase in total revenues to $210.2 million, driven by strong retail sales growth of 31%. However, net revenues decreased by 12% due to a 34% decline in pawn service revenue, which was attributed to lower pawn loan demand influenced by stimulus payments and restrictions in Latin America. The company's loss before taxes was $10.2 million, and diluted loss per share was $0.10.

EZCORP reported a 4% increase in total revenues, driven by strong retail demand, but experienced a decrease in income before taxes due to a non-cash asset impairment charge. The company's cash position remained strong.

EZCORP reported a 3% increase in total revenues to $222.4 million for the first quarter of fiscal year 2020. Diluted earnings per share were $0.02, compared to a loss of $0.06 in the prior-year quarter. The company focused on reducing aged inventory and optimizing systems, while also launching its Lana digital platform.