Every material Form 8-K EZCORP has filed with the SEC since August 02, 2023, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
EZCORP reported results for the quarter ended June 30, 2026, with net income attributable to the company up 44% to $38.2 million and diluted EPS up 41% to $0.48 from a year earlier. Total revenues rose 35% to $418.7 million, and the company said it acquired the remaining interest in SMG, which operates 108 stores across 12 countries, shortly after quarter end. The company did not provide guidance in the release, and its earnings call is set for August 6, 2026.
Net income attributable to EZCORP rose 44% to $38.2 million; adjusted net income rose 52% to $37.2 million.
Diluted EPS rose 41% to $0.48 versus $0.34; adjusted diluted EPS was $0.47.
Cash and cash equivalents fell to $311.0 million from $472.1 million a year earlier, mainly due to retiring $134.2 million of SMG third-party debt and acquisition spending.
Earnings conference call is scheduled for August 6, 2026, at 8:00 am Central Time.
EZCORP reported results for the quarter ended March 31, 2026, its fiscal second quarter. Net income attributable to EZCORP rose 93% to $49.1 million and diluted EPS rose 85% to $0.61, with total revenues up 46% to $446.9 million, so the headline profit and revenue measures improved. The results include the Simple Management Group (SMG) acquisition completed January 2, 2026, and the filing gives no updated financial guidance.
Total revenues rose 46% to $446.9 million; gross profit rose 46% to $260.0 million.
Diluted EPS rose 85% to $0.61; adjusted diluted EPS rose 76% to $0.58.
Pawn loans outstanding rose 33% to $349.4 million; the company added 123 stores in the quarter.
Cash and cash equivalents fell to $354.2 million from $505.2 million, mainly from retiring $134.2 million of SMG debt and acquisition spending.
EZCORP reported results for the quarter ended December 31, 2025, with net income rising 43% to $44.3 million and diluted EPS rising 38% to $0.55 on revenue of $382.0 million, up 19%. Management also highlighted two acquisitions closed after quarter end, including Simple Management Group (105 stores) and 12 Texas pawn stores for $27.5 million, and a conference call set for February 5, 2026.
Net income $44.3 million, up 43%; adjusted net income $43.9 million, up 38%
Total revenues $382.0 million, up 19%; gross profit $223.0 million, up 20%
Acquired 87.7% controlling interest in Founders One on January 2, 2026, adding 105 stores; 12 Texas stores acquired for $27.5 million on January 12, 2026
Conference call scheduled for February 5, 2026 at 8:00 am Central Time
EZCORP reported fourth-quarter and full-year fiscal 2025 results for the period ended September 30, 2025, with higher revenue, net income and diluted earnings per share compared with the prior year. The company also said it has a newly authorized share repurchase program, though the filing does not give its size. The results are the company's fiscal 2025 report, and management will discuss them on a conference call on November 14, 2025.
Fourth-quarter total revenues rose 14% to $336.8 million; diluted EPS rose 62% to $0.34 on a GAAP basis.
Full-year net income was $109.6 million, and diluted EPS rose 29% to $1.42.
Full-year adjusted EBITDA rose 26% to $191.2 million; pawn loans outstanding reached $307.5 million, up 12%.
Conference call is set for November 14, 2025, at 8:00 am Central Time.
EZCORP reported results for the quarter ended June 30, 2025, with total revenues up 11% to $311.0 million and net income up 48% to $26.5 million. Diluted earnings per share rose 36% to $0.34, and the company says adjusted EBITDA increased 42% to $45.2 million, supported by pawn loan growth and 52 net store additions.
Total revenues rose 11% to $311.0 million; gross profit rose 10% to $183.6 million.
Net income rose 48% to $26.5 million; diluted EPS rose 36% to $0.34 versus $0.25 a year earlier.
Pawn loans outstanding rose 11% to $291.6 million; cash and equivalents were $472.1 million at quarter end, including $300.0 million (less issuance costs) from Senior Notes due 2032.
Earnings conference call is set for July 31, 2025 at 8:00 am Central Time.
EZCORP reported results for its fiscal second quarter ended March 31, 2025. Total revenues rose 7% to $306.3 million, net income rose 18% to $25.4 million, and diluted earnings per share rose 14% to $0.33 compared with the prior-year quarter. The company also completed a $300.0 million private offering of senior notes due 2032 in March.
Total revenues increased 7% to $306.3 million; gross profit increased 6% to $178.5 million.
Net income increased 18% to $25.4 million; diluted EPS increased 14% to $0.33.
Pawn loans outstanding increased 11% to $261.8 million.
Earnings conference call scheduled for April 29, 2025, at 8:00 am Central Time.
EZCORP issued $300 million of 7.375% senior notes due April 1, 2032, in a private offering and announced the closing on March 28, 2025. The company expects net proceeds of about $292.5 million and plans to use about $103.4 million to repay its 2.375% convertible notes due 2025 at maturity, which affects how the company's debt is structured for shareholders.
Notes: $300 million, 7.375% annual interest, paid semiannually starting October 1, 2025, maturing April 1, 2032
Net proceeds approximately $292.5 million; about $103.4 million earmarked to repay 2.375% convertible notes due 2025
Company may redeem notes before April 1, 2028 at make-whole premium; after that at prices starting at 103.688%
Notes are senior unsecured and guaranteed by certain wholly owned domestic subsidiaries; Truist Bank is trustee
EZCORP reported results for the quarter ended December 31, 2024, its first quarter of fiscal 2025. Total revenues rose 7% to $320.2 million, net income rose 9% to $31.0 million, and diluted earnings per share rose 11% to $0.40 on a GAAP basis. The company will hold an earnings conference call on February 6, 2025.
Pawn loans outstanding rose 13% to $274.8 million; U.S. Pawn loans rose 15%.
Diluted EPS was $0.40, up from $0.36; on an adjusted basis, EPS rose 17% to $0.42.
Merchandise sales gross margin was 35%, down from 36%; net inventory rose 21%.
Latin America Pawn PLO rose 4% as reported and 19% on a constant currency basis.
EZCORP appointed Michael Croney as Chief Accounting Officer, effective February 10, 2025, replacing Robert J. Hicks, who will stay as Deputy Chief Accounting Officer until the end of February 2025. Croney previously worked at the company from March 2019 to October 2023 as Vice President and Global Controller, and his pay package includes a $330,000 salary and a $180,000 signing bonus.
Michael Croney, age 46, becomes Chief Accounting Officer and principal accounting officer effective February 10, 2025
Croney's pay includes a $330,000 annual salary, a $165,000 short-term incentive target and a $105,000 long-term incentive target
A $180,000 signing bonus is payable in three installments, subject to continued employment and an 18-month repayment period
Robert J. Hicks, in the role since December 2021, departs as Deputy Chief Accounting Officer at the end of February 2025
EZCORP reported fiscal 2024 results for the year ended September 30, 2024, with total revenues up 11% to $1,161.6 million and GAAP net income of $83.1 million, up $44.6 million from the prior year. Diluted earnings per share were $1.10, compared with $0.53, and fourth-quarter net income rose to $15.2 million from $10.3 million. Headline revenue and profit both improved, but cash and cash equivalents fell 23% to $170.5 million, and the company will discuss the results on a conference call on November 14, 2024.
Full-year total revenues rose 11% to $1,161.6 million; full-year net income was $83.1 million, up $44.6 million.
Full-year diluted EPS was $1.10 versus $0.53; on an adjusted basis, diluted EPS was $1.12 versus $0.93.
Fourth-quarter net income was $15.2 million versus $10.3 million, and diluted EPS was $0.21 versus $0.15.
Cash and cash equivalents were $170.5 million at quarter end, down 23%, mainly due to the 2024 convertible debt maturity and payoff.
EZCORP reported results for the quarter ended June 30, 2024, with total revenues up 10% to $281.4 million and diluted earnings per share of $0.25, up from $0.24. Net income was $18.0 million, compared with $18.2 million a year earlier. The company also reported that pawn loans outstanding rose 14% to $261.7 million.
Total revenues rose 10% to $281.4 million; gross profit rose 12% to $166.7 million.
Diluted EPS was $0.25 versus $0.24; net income was $18.0 million versus $18.2 million.
On an adjusted basis, diluted EPS was $0.23 versus $0.20, and adjusted net income rose $2.2 million or 14%.
Company repurchased $3.0 million of shares in the quarter and settled convertible notes after quarter end for $34.4 million in cash and 77,328 shares.
EZCORP reported results for the fiscal second quarter ended March 31, 2024, showing net income of $21.5 million, compared with a net loss of $6.8 million a year earlier. The prior-year loss included EZCORP's share of a one-time, non-cash goodwill impairment at Cash Converters International, so the year-over-year comparison is distorted, but total revenues still rose 11% to $285.6 million.
Net income $21.5 million vs. net loss $6.8 million; diluted EPS $0.29 vs. diluted loss of $0.12
Total revenues $285.6 million, up 11%; gross profit $167.6 million, up 12%
Adjusted net income $20.7 million, up from $17.1 million; adjusted diluted EPS $0.28 vs. $0.23
Management will host an earnings conference call on May 2, 2024, at 8:00 am Central Time
EZCORP reported results for the quarter ended December 31, 2023, showing higher revenue, net income and diluted earnings per share from a year earlier. Net income rose to $28.5 million from $16.8 million, and diluted EPS was $0.36 versus $0.25, which points to improved profitability for shareholders. The company will hold an earnings call on February 1, 2024.
Total revenues rose to $300.0 million from $264.3 million, up 13%.
Net income was $28.5 million versus $16.8 million; diluted EPS was $0.36 versus $0.25.
Pawn loans outstanding rose 16% to $243.3 million.
Earnings conference call is scheduled for February 1, 2024, at 8:00 am Central Time.
EZCORP reported results for the quarter and full year ended September 30, 2023. Fourth-quarter revenue rose 16% to $270.5 million and net income rose to $10.3 million, but full-year net income fell to $38.5 million from $50.2 million, mainly due to its share of a one-time, non-cash goodwill impairment recorded by Cash Converters International. The company also disclosed a new employment contract with CEO Lachlan Given, which it says mirrors his existing U.S. terms to comply with U.K. employment law.
Fourth-quarter diluted EPS was $0.15 versus $0.11 a year earlier; full-year diluted EPS was $0.53 versus $0.70.
Full-year total revenues were $1.049 billion, up 18% from $886.2 million, while full-year income before taxes fell to $51.6 million from $67.7 million.
Pawn loans outstanding rose 17% to $245.8 million; the company added 21 stores in the quarter.
The earnings conference call is scheduled for November 16, 2023 at 8:00 a.m. Central Time.
EZCORP reported results for the third fiscal quarter ended June 30, 2023. Revenue rose 19% to $255.8 million, net income rose to $18.2 million from $12.2 million, and diluted earnings per share were $0.24 versus $0.17. For the nine months, net income fell to $28.2 million from $42.8 million, and nine-month diluted EPS was $0.38 versus $0.59.
Pawn loans outstanding rose 12% to $229.4 million, which the company described as a record.
Adjusted diluted EPS was $0.20, up from $0.16 a year earlier, excluding certain items.
Nine-month net income was $28.2 million, down from $42.8 million in the prior-year period.
Management will hold an earnings conference call on August 3, 2023, at 8:00 am Central Time.
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