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Visual21 Nov 2025
Data center suppliers
EZCORP (EZPW) investor relations material
EZCORP Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary14 Nov, 2025
Executive summary
Achieved record revenue of $1.3 billion for fiscal 2025, up 12% year-over-year, and record Q4 revenue of $336.8 million, up 14%, with net income up 30% for the year and 76% in Q4, reflecting strong operational execution across five countries.
Store count expanded to 1,360, with 81 new locations added through acquisitions and de novo openings, including significant growth in Mexico and Texas.
Digital transformation, including omnichannel engagement and a loyalty program, drove a 26% increase in EZ+ Rewards membership and a 49% rise in website traffic.
The business model remains resilient, focusing on underserved customers and non-recourse loans, supporting robust demand across all regions.
Maintained disciplined capital deployment, high-return store growth, and opportunistic share repurchases.
Financial highlights
Adjusted EBITDA reached $191.2 million for the year, up 26%, and $47.9 million in Q4, up 33%, with EBITDA margin expanding to 14.7% for the year and 14.3% in Q4.
Pawn loans outstanding (PLO) hit a record $307.5 million, up 12% year-over-year, and inventory rose 29% to $248.5 million.
Merchandise sales for the year were $721 million, with gross profit of $746.1 million for the year and $198.6 million in Q4.
Diluted EPS increased 62% to $0.34 in Q4 and 29% for the year to $1.42.
Cash and cash equivalents rose to $469.5 million, mainly due to a $300 million senior notes offering.
Outlook and guidance
Focus remains on growing PLO, improving inventory efficiency, scaling operational best practices, and expanding digital initiatives.
Management expects continued strong earnings momentum, ongoing store growth, and cost efficiency for sustainable long-term value.
Expectation for sequential increase in expenses in 2026, with scrap margins normalizing after recent highs.
M&A pipeline remains robust, with disciplined evaluation of opportunities in existing and potentially new markets.
Capital deployment strategy for new debt
Inventory trends: US vs LatAm aged merchandise
LatAm segment expense growth vs. profitability
What drives expected scrap margin decline in FY26?
How will LatAm average loan size trends evolve?
What initiatives will improve inventory turns in FY26?
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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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