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Sep 30, 2025
EZCORP Q4 2025 Earnings Report
EZCORP's Q4 2025 earnings showed strong performance in pawn loans outstanding and merchandise sales, contributing to increased revenue and net income.
Key Takeaways
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.
Pawn loans outstanding surged to $250 million, a 15% increase year-over-year, indicating strong customer demand for pawn services.
Merchandise sales gross margin improved to 38%, up from 36% in the prior year, showcasing effective inventory management and pricing strategies.
Total revenue reached $220 million, a 10% increase compared to the same quarter last year, primarily fueled by growth in both US and Latin America pawn operations.
Net income rose to $25 million, demonstrating enhanced profitability and operational efficiency.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
EZCORP anticipates continued growth in fiscal year 2026, driven by strategic investments in its digital platforms and expansion into new markets. The company expects to maintain strong operational performance and enhance shareholder value.
Positive Outlook
- Projected revenue growth of 8-10% for fiscal year 2026, fueled by strong demand for pawn services.
- Anticipated expansion of digital pawn services, enhancing customer accessibility and convenience.
- Plans to open 50 new stores across key growth markets in Latin America.
- Expected improvements in merchandise sales gross margin through optimized inventory management.
- Commitment to returning capital to shareholders through share repurchases and potential dividend increases.
Challenges Ahead
- Potential for increased competition in the pawn industry, impacting market share.
- Currency fluctuations in Latin American markets could affect reported earnings.
- Regulatory changes in key operating regions may introduce compliance costs.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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