Record-Breaking Revenue and Growth
EZCORP achieved record revenue of $1.3 billion for 2025, up 12% year-over-year, and adjusted EBITDA of $191.2 million, up 26%. Net income surged 30% to $110.7 million.
Expansion in Store Count and Markets
The company expanded its store count from 1,148 in fiscal 2021 to 1,360 by fiscal 2025 year-end, adding 24 stores in the quarter and acquiring additional stores post fiscal year-end.
Strong Financial Position
EZCORP ended the quarter with earning assets of $549.1 million, up 18%, and a cash position of $469.5 million, reflecting a $300 million senior notes offering.
Digital Transformation Success
EZ+ Rewards membership increased by 26% to 6.9 million members, and website traffic rose 49% to 2.6 million visits in the quarter, indicating successful digital engagement.
Innovative Initiatives and Omnichannel Engagement
The company introduced an instant quote tool for electronics, with 66% of U.S. stores using it, and expanded view-online purchase in-store capability to all U.S. stores.
Growth in Latin America
Fourth quarter revenues in Latin America were up 17%, with PLO up 17% to $70.1 million and inventory up 12% to $59.6 million.
Improvement in U.S. Pawn Segment
U.S. Pawn segment revenues increased 13% to $238.9 million, with segment EBITDA up 27% and margins expanding 250 basis points to 23%.