19 This information should be read in conjunction with, and not in lieu of, the company's annual, quarterly and other reports filed with the Securities and Exchange Commission. Those reports contain important information about the company's business and performance, including financial statements prepared in accordance with U.S. generally accepted accounting principles ("GAAP"), as well as a description of the important risk factors that may materially and adversely affect our business, financial condition ...

EZCORP, Inc. (NASDAQ:EZPW) Q1 2024 Earnings Conference Call February 1, 2024 9:00 AM ET Company Participants Jean Marie Young - IR, Three Part Advisors Lachlan Given - CEO Timothy Jugmans - CFO Conference Call Participants Ibrahim Kargbo - Jefferies Madison Callinan - Canaccord Genuity Operator Good morning, ladies and gentlemen. Welcome to the EZCORP First Fiscal Quarter 2024 Earnings Call. [Operator Instructions] As a reminder, this call may be recorded. I'd now like to turn the conference over to Jean M ...

AUSTIN, Texas, Jan. 31, 2024 (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, 2023. 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 Net income increased to $28.5 million, an increase of $11.7 milli ...

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 December 31, 2023 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 | | --- | --- | --- | | ( ...

Ezcorp (EZPW) closed the most recent trading day at $8.78, moving +1.5% from the previous trading session. This change outpaced the S&P 500's 0.76% gain on the day. Elsewhere, the Dow saw an upswing of 0.59%, while the tech-heavy Nasdaq appreciated by 1.12%.Coming into today, shares of the consumer financial services company had lost 1.03% in the past month. In that same time, the Finance sector lost 2.01%, while the S&P 500 gained 2.5%.Market participants will be closely following the financial results of ...

Financial Data and Key Metrics Changes - Total revenue for Q4 reached a record $261.4 million, up 12% year-over-year, driven by higher merchandise sales and pawn service charges (PSC) [10][19] - Adjusted EBITDA for the quarter was $31.2 million, reflecting a 26% increase [10][30] - Pawn loans outstanding hit a record $250 million, marking a 14% increase year-over-year [19][29] - Merchandise sales increased by 9% to $145.3 million, with gross profit up 5% despite a margin decrease [59][31] Business Line Data and Key Metrics Changes - US Pawn operations saw PLO rise 17% due to improved customer service and higher demand, with PSC also up 17% [60] - Latin American Pawn operations experienced a 7% growth in PLO, with same-store PLO up 4% [61] - Merchandise sales in the retail segment were up 12%, with a gross profit increase of 11% [32] Market Data and Key Metrics Changes - The macroeconomic environment remains challenging, with inflation and rising interest rates increasing demand for pawn services as consumers seek cash [20][36] - The company reported a 5% increase in global transacting customers and a 16% growth in visits to pawn websites [26] Company Strategy and Development Direction - The company is focused on enhancing its core pawn operating model, improving customer service, and expanding its store footprint [63][73] - A new three-year strategic plan aims to improve culture, operational efficiency, and customer engagement [63][91] - The EZ+ Loyalty Program has grown to over 3.8 million members, indicating strong customer engagement [25][52] Management's Comments on Operating Environment and Future Outlook - Management noted that while the macroeconomic environment poses challenges, demand for secondhand goods remains strong due to their value [49][93] - The company expects continued growth in PLO and PSC, with a focus on maintaining strong inventory turns and limited aged merchandise [46][70] Other Important Information - The company has successfully migrated its data center services to the cloud, enhancing service quality and reducing environmental impact [27] - The company has invested significantly in its earning asset base and has a robust balance sheet to support growth initiatives [72][101] Q&A Session Summary Question: Are you seeing new customers in your stores? - Management confirmed that new customer acquisition is region-dependent, with strong demand for lending services reflecting the current economic conditions [77] Question: How do you keep customers engaged, especially those using multiple pawn shops? - The company is focused on increasing engagement through its rewards program, which has seen significant growth [79] Question: What are the expectations for expenses in fiscal 2024? - Management indicated that while inflationary pressures persist, they expect a more normalized expense environment compared to the previous year [81] Question: Can you provide an update on progress in Latin America? - Management highlighted Latin America as a significant strategic opportunity, with ongoing improvements and a robust acquisition pipeline [82] Question: What are the plans for capital allocation this year? - The company aims to balance growth opportunities with share repurchases, maintaining a strong liquidity position [84][101]

FY23 - U.S. Race & Ethnicity Underrepresented Minority White Global Employees Global Management 11 ($ millions) All figures adjusted for discrete items and constant currency. See Appendix for reconciliations. FINANCIAL RESULTS – U.S. PAWN | --- | --- | --- | --- | --- | --- | --- | --- | |-------|-------------------------------------------------------------------------------------------------------------------|-------------|------------------------|-------|-------------|-------------------------------|----- ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended September 30, 2023 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 ...

EZCORP, Inc. (NASDAQ:EZPW) Q3 2023 Earnings Conference Call August 3, 2023 9:00 AM ET Company Participants Jeff Elliott - Investor Relations Lachlan Given - Chief Executive Officer Timothy Jugmans - Chief Financial Officer Conference Call Participants Brian McNamara - Canaccord Genuity Andrew Chasanoff - Oppenheimer Operator Good morning, ladies and gentlemen and welcome to the EZCORP Third Quarter Fiscal 2023 Earnings Call. [Operator Instructions] As a reminder, this call may be recorded. I would now like ...

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 June 30, 2023 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. ...