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EZCORP (EZPW) investor relations material
EZCORP Canaccord Genuity’s 45th Annual Growth Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Canaccord Genuity’s 45th Annual Growth Conference summary12 Aug, 2025
Business performance and growth drivers
Achieved record growth driven by management changes and a renewed focus on the pawn business in the US and Latin America.
Growth supported by increasing average loan sizes, higher gold prices, and enhanced digital engagement, including online payments and a rewards program.
Customer base remains broad, with increased participation from consumers unable to access other lending sources.
Retail and lending customer segments are distinct, with the lending side focused on immediate cash needs.
Strategic focus is on maximizing gross profit by balancing pawn service charges and merchandise sales margins.
Risk management and operational strategy
Gold price volatility is managed by adjusting loan amounts and quickly scrapping unsellable inventory.
Inventory management allows for rapid response to market changes, especially for gold items.
Regulatory risks are minimal due to stable state-level regulations, with only minor impacts from recent changes.
Main operational focus is maintaining quality loan balances and efficient inventory turnover.
Regional performance and expansion
US business turnaround led to double-digit growth, with similar strategies now being applied in Latin America.
Latin America is 18–24 months behind the US but showing significant improvements in store execution and online presence.
Jewelry now represents 40% of loan balances in Latin America, up significantly in recent years.
Margins in Latin America are improving, though structural differences such as lower average loan sizes and merchandise values persist.
Lower operating costs in Latin America support ongoing margin improvements, though parity with the US is not expected.
Assess LatAm margin improvement potential.
How does EZCORP manage gold price risk?
Evaluate tariff impact on EZCORP's business.
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Q4 202512 Nov, 2025
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Frequently asked questions
EZCORP Inc is a holding company, which engages in the business of pawn and specialty retail lending services in the United States. The Company operates through three segments: U.S. Pawn, Latin America Pawn and Other Investments. It offers loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods or musical instruments. EZCORP Inc was incorporated in 1989 and is headquartered in Austin, Texas.
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