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EZCORP, Inc. (EZPW) Q4 2025 Earnings Call Transcript
EZCORP, Inc. ( EZPW ) Q4 2025 Earnings Call November 14, 2025 9:00 AM EST Company Participants Lachlan Given - CEO & Director Timothy Jugmans - Chief Financial Officer Conference Call Participants Sean Mansouri - Elevate Ir Brian McNamara - Canaccord Genuity Corp., Research Division David Scharf - Citizens JMP Securities, LLC, Research Division Kyle Joseph - Stephens Inc., Research Division Raj Sharma Andrew Scutt - ROTH Capital Partners, LLC, Research Division Presentation Operator Good morning, ladies and gentlemen. Welcome to the EZCORP Fiscal Fourth Quarter and Full Year 2025 Earnings Call.
Ezcorp (EZPW) Q4 Earnings and Revenues Surpass Estimates
Ezcorp (EZPW) came out with quarterly earnings of $0.34 per share, beating the Zacks Consensus Estimate of $0.29 per share. This compares to earnings of $0.26 per share a year ago.
EZCorp: More Room To Run, As The Bullish Wave Continues
EZCORP continues to trade at a discount to its U.S.-listed public peers, despite the pawn shop operator's strengths, including its further expansion into Latin America. However, shares have started to rally again recently, as investors catch on that the situation is changing. The recent redemption of convertible debt, coupled with continued strong results, is helping to reverse past negative investor perceptions about this company and its management.
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EzCorp Inc. Profile
| Financial Services Industry | Financials Sector | Lachlan P. Given BBus CEO | NASDAQ (NGS) Exchange | 302301106 CUSIP |
| US Country | 8,000 Employees | 4 Feb 2000 Last Dividend | 12 Dec 2006 Last Split | 27 Aug 1991 IPO Date |
Overview
EZCORP, Inc., established in 1989 and headquartered in Austin, Texas, stands as a leading provider of pawn services across the United States and Latin America. The company's operations are segmented into U.S. Pawn, Latin America Pawn, and Other Investments. Through its extensive network, EZCORP extends a variety of financial services and retail options, catering to customers' needs by leveraging tangible personal property as collateral for pawn loans. The brand's commitment to convenience and accessibility is evident in its diverse brand portfolio, including EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo, each tailored to meet the unique preferences and demands of its broad customer base.
Products and Services
Pawn Loans: At the heart of EZCORP's offerings are pawn loans, which are quick, non-recourse loans provided to customers with tangible personal property used as collateral. These items range widely, from jewelry and consumer electronics to tools, sporting goods, and musical instruments, ensuring a broad appeal to various customer needs and preferences.
Retail Merchandise: Beyond its lending services, EZCORP also engages in the retail of merchandise. This inventory primarily consists of items forfeited from pawn operations and pre-owned merchandise procured directly from customers. The retail aspect allows EZCORP not only to recoup value from unredeemed loans but also to offer customers a wide array of quality, pre-owned goods at competitive prices.
EZ+ Web Application: In response to the growing demand for digital convenience, EZCORP has introduced EZ+, a sophisticated web-based application. This platform enables customers to seamlessly manage their pawn transactions, layaways, and loyalty rewards online, representing a significant step forward in enhancing customer service and accessibility. Through EZ+, EZCORP is able to engage with its customers on a digital front, offering convenience, efficiency, and an improved user experience.
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