Financial Performance - Net income increased 43% to $44.3 million, with adjusted net income rising 38% to $43.9 million[7] - Total revenues grew 19% to $382.0 million, while gross profit increased 20% to $223.0 million[7] - Adjusted EBITDA increased 36% to $70.3 million, reflecting improved operational performance[7] - Net income for the three months ended December 31, 2025, was $44,304,000, a 42.5% increase compared to $31,016,000 in the same period of 2024[23] - Total revenues for the three months ended December 31, 2025, reached $382,019,000, compared to $382,019,000 in the previous year, indicating stable performance[25] - Gross profit for the same period was $222,966,000, reflecting a strong margin despite increased costs[25] - Consolidated revenues for the three months ended December 31, 2025, increased to $382.0 million, reflecting a 19% year-over-year growth[33] - The gross profit for the same period in 2025 was $223.0 million, marking a 20% increase compared to the previous year[33] Pawn Loans and Lending Activities - Pawn loans outstanding (PLO) rose 14% to $314.4 million, driven by higher average loan sizes and strong demand[7] - Pawn loans increased to $314,353,000 as of December 31, 2025, compared to $274,824,000 in 2024, indicating growth in lending activities[21] Acquisitions and Expansion - The company expanded its footprint by 23 stores, including 17 acquired stores and 7 new stores[7] - Acquired an 87.7% controlling interest in Founders One, adding 105 stores across 12 countries, including the U.S., Costa Rica, and Panama[7] - Completed the acquisition of 12 pawn stores in Texas for $27.5 million, enhancing presence in a key market[7] - The company made acquisitions totaling $9,147,000 during the quarter, indicating ongoing investment in growth opportunities[23] - The company opened 7 new locations and acquired 17 locations during the three months ended December 31, 2025, bringing the total store count to 1,383[28] Cash and Liquidity - Cash and cash equivalents increased to $465.9 million from $174.5 million as of December 31, 2024, primarily due to a $300 million issuance of Senior Notes[7] - Cash and cash equivalents at the end of the period were $486,121,000, up from $183,892,000 year-over-year, showing improved liquidity[23] Costs and Expenses - Store expenses increased 14%, primarily due to labor costs, including minimum wage increases in Latin America[8] Assets and Inventory - Total assets increased to $1,987,480,000 as of December 31, 2025, up from $1,499,133,000 a year earlier, representing a 32.5% growth[21] - The company reported a consolidated net inventory of $253.4 million as of December 31, 2025, a 27% increase from the previous year[33] Segment Performance - The company reported a segment contribution of $93,658,000 before income taxes for the three months ended December 31, 2025[25] - Latin America Pawn gross profit reached $62.3 million for the three months ended December 31, 2025, a 33% increase year-over-year[33] - The Latin America Pawn segment profit before tax was $20.1 million for the three months ended December 31, 2025, a 32% increase year-over-year[33] Financial Measures - The company utilizes non-GAAP financial measures to provide additional insights into its operations, particularly in evaluating its Latin America Pawn operations[29]

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 ...

Acquisition Details - The total consideration for the acquisition of Founders One, LLC is approximately $64.4 million, including $45.0 million in preferred equity, $10.0 million in Demand Promissory Notes, and $9.4 million in cash[81]. - The company expects the acquisition of Founders to be immediately accretive to earnings and to significantly contribute to financial results going forward[81]. - The acquisition of Founders One, LLC was completed for approximately $64.4 million, enhancing geographic presence and expected to be immediately accretive to earnings[81]. - The company expects to consolidate Founders' financial results going forward, enhancing overall financial performance[81]. Financial Performance - Pawn service charges in the U.S. Pawn segment increased by 8% to $95.2 million for the three months ended December 31, 2025, compared to $87.9 million in the same period of 2024[98]. - Merchandise sales in the U.S. Pawn segment also rose by 8% to $139.0 million, with gross profit from merchandise sales increasing by 13% to $53.4 million[98]. - Segment contribution for the U.S. Pawn increased by 30% to $70.7 million, primarily driven by higher pawn service charges and merchandise sales[101]. - U.S. Pawn segment gross profit increased by 16% to $160.7 million, driven by an 8% rise in pawn service charges and merchandise sales[98]. - Gross profit increased by 33% to $62.3 million, with a 24% increase on a constant currency basis[106]. - Segment contribution increased by $21.7 million or 30% year-over-year, primarily due to improved operating results in the U.S. Pawn and Latin America Pawn segments[110]. Store Operations - The total number of pawn store locations increased to 1,383 as of December 31, 2025, with 17 new locations added during the quarter[95]. - The company opened 7 new stores and acquired 14 stores, resulting in a net store count increase of 21[105]. - The store count in the U.S. Pawn segment increased to 836, with 7 new locations opened and 14 acquired[95]. Cash Flow and Expenses - Net cash provided by operating activities increased by 51% to $39.1 million compared to the prior year[115]. - Cash and cash equivalents balance was $465.9 million at December 31, 2025, slightly down from $469.5 million at September 30, 2025[114]. - Store expenses increased by 34% to $39.6 million, with a 25% increase on a constant currency basis[107]. - The company anticipates that cash flows from operations will be adequate to fund ongoing operations and strategic investments over the next twelve months[120]. - The net increase in cash, cash equivalents, and restricted cash was $1.4 million during the current year-to-date period[118]. Interest and Loan Metrics - Interest expense surged by 159% to $8.2 million, primarily due to the issuance of 2032 Senior Notes[110]. - The average monthly ending pawn loan balance per store increased by 8% to $427 for the three months ended December 31, 2025[98]. - The average yield on pawn loans outstanding decreased by 100 basis points to 13%[98]. Share Repurchase Program - The Board of Directors approved a new share repurchase program allowing for the repurchase of up to $50 million of Class A Non-Voting common shares over the next three years[79]. - The Board approved a new share repurchase program authorizing up to $50 million for Class A Non-Voting common shares over the next three years[79]. Market Trends - Jewelry scrap sales surged by 129% to $35.5 million, with gross margin on jewelry scrap sales increasing from 22.8% to 34.2% due to rising gold prices[100]. - Pawn service charges increased by 26% to $36.7 million, with an 18% increase to $34.5 million on a constant currency basis[106]. - Merchandise sales rose by 24% to $71.1 million, with a 15% increase on a constant currency basis and a 16% increase on a same-store basis[106].

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].

The market expects Ezcorp (EZPW) to deliver a year-over-year decline in earnings on higher revenues when it reports results for the quarter ended December 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report. On the other hand, if they miss, the ...

Core Viewpoint - EZCORP has acquired a controlling interest in Founders One, LLC, enhancing its position in the pawn industry and expanding its geographic footprint in key markets [1][2]. Acquisition Details - The acquisition includes EZCORP converting $45 million of preferred equity and $10 million of notes receivable into common equity in Founders, along with an additional cash contribution of $9.4 million [3]. - Following the transaction, EZCORP owns an 87.7% interest in Founders, which controls Simple Management Group, Inc. (SMG) with an 85.1% ownership interest [3]. Financial Impact - The transaction is expected to add immediate earnings accretion to EZCORP's financial results and will allow for the consolidation of SMG's financial results going forward [2][3]. - Founders reported revenue of $127 million and gross profit of $66 million for the nine months ended September 30, 2025, and $147 million in revenue and $79 million in gross profit for the full fiscal year 2024, reflecting growth of approximately 34% and 29% compared to fiscal 2023 [4]. Market Expansion - The acquisition allows EZCORP to operate a total of 1,488 pawn stores across 16 countries, significantly increasing its market presence [4].

Core Insights - EZCORP has seen a significant increase in share price, with a year-to-date rise of approximately 56% in 2025, marking a second consecutive strong performance for the company [1] Company Performance - The strong price run-up for EZCORP is attributed to favorable market conditions and operational performance [1] Market Context - The pawn shop industry, represented by EZCORP, is experiencing a positive trend, contributing to the company's stock performance [1]

Core Insights - EZCORP has seen a significant increase in share price, with a year-to-date rise of approximately 56% in 2025, marking a second consecutive strong performance for the company [1] Company Performance - The strong price run-up for EZCORP is attributed to favorable market conditions and operational performance [1]

Core Insights - EZPAWN has launched an Instant Quote tool that allows customers to receive fast and accurate online quotes for their electronic items before visiting a store [1][4] - The tool supports 15 key electronics categories, including game consoles, laptops, tablets, smartphones, LED TVs, and smartwatches [2] - Customers can access the tool via the EZPAWN website, where they enter details about their items to receive an estimated value range based on current market trends [7] Company Overview - EZPAWN is part of EZCORP, Inc., a leading provider of pawn services in the United States and Latin America, operating in 19 states [4][5] - The company focuses on satisfying short-term cash needs through pawn transactions and the sale of pre-owned merchandise [5] - EZCORP is publicly traded on NASDAQ under the symbol EZPW and is a member of the S&P 1000 Index and Nasdaq Composite Index [5]

Core Insights - EZCORP, Inc. (NASDAQ:EZPW) is recognized as a promising small-cap stock, particularly favored by Reddit investors due to its resilience amid rising inflation and credit challenges in the US [1][2] - The stock has experienced a significant increase of 48% year-to-date [1] - The company reported better-than-expected quarterly results, with US pawn revenue showing double-digit growth and an expansion to over 1,300 locations across five countries [2] Company Performance - EZCORP's recent quarterly results exceeded expectations, driven by strong pawn revenue growth in the US [2] - The company is focusing on digital initiatives, omnichannel expansion, and improving inventory efficiency, which are expected to contribute to future growth [2] - The issuance of convertible senior notes was announced to restructure the balance sheet favorably, indicating proactive financial management [3] Market Position - EZCORP is viewed as a defensive stock, attracting investors due to its counter-cyclical demand, especially as discretionary income declines [3] - The company serves as a source of consumer credit, which becomes increasingly important in challenging economic conditions [3]