The earnings call reflects strong financial performance and growth in key areas, including record revenue and expanded store footprint. The company showcases significant earnings growth, operational leverage, and successful digital engagement initiatives. However, challenges such as inventory growth outpacing PLO and increased expenses in Latin America were noted. Despite these lowlights, the overall sentiment is positive due to the significant highlights.

Company Guidance -

Q4 2025

During the EZCORP Third Quarter Fiscal 2025 Earnings Call, the company reported record third-quarter revenue of $319.9 million, marking a 14% increase year-over-year. They achieved an all-time high in Pawn Loans Outstanding (PLO) of $293.2 million, reflecting a 12% year-over-year growth. The company noted strong earnings growth, with adjusted EBITDA rising 42% to $45.2 million and diluted EPS increasing by 38% to $0.33. EZCORP's network expanded to 1,336 pawn stores across the United States and Latin America, including 604 in Mexico. The acquisition of 40 stores in Mexico contributed to a total of $520 million in earning assets. The company ended the quarter with $472.1 million in cash, down from $505.2 million last quarter, due to capital deployment into acquisitions and asset growth, while maintaining strong operating cash flow. They also repurchased $3 million worth of shares and provided an additional $3 million secured loan to Founders One. The company's strategic focus remains on leveraging its balance sheet to continue scaling its platform and delivering long-term value for shareholders.

Record Third Quarter Revenue

EZCORP delivered record third quarter revenue of $319.9 million, up 14% year-over-year, marking significant growth in earnings.

Strong EBITDA and EPS Growth

Adjusted EBITDA rose 42% to $45.2 million and diluted EPS increased 38% to $0.33, driven by operating leverage and significant growth in earnings.

Expansion and Growth in Store Footprint

EZCORP acquired 40 stores in Mexico and opened 10 new locations across Latin America, increasing their store footprint and broadening their market.

Strong Operating Leverage and Margin Expansion

EBITDA margin expanded by 280 basis points to 14.1%, reflecting the operating leverage captured as the company scales.

Successful Digital Engagement Initiatives

The EZ+ Rewards program grew to 6.5 million members, and digital engagement increased significantly, with 20% of layaways in Mexico completed digitally.

Strong Cash Position

EZCORP ended the quarter with $472.1 million in cash, enabling continued funding for growth and potential acquisitions.

EZCORP (EZPW) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

EZPW Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 12, 2025	2025 (Q4)	0.29 / -	0.26	―	―	―
Jul 30, 2025	2025 (Q3)	0.25 / 0.33	0.23	43.48% (+0.10)
Apr 28, 2025	2025 (Q2)	0.31 / 0.34	0.28	21.43% (+0.06)
Feb 05, 2025	2025 (Q1)	0.37 / 0.42	0.36	16.67% (+0.06)
Nov 13, 2024	2024 (Q4)	0.26 / 0.26	0.23	13.04% (+0.03)
Jul 31, 2024	2024 (Q3)	0.21 / 0.23	0.2	15.00% (+0.03)
May 01, 2024	2024 (Q2)	0.26 / 0.28	0.23	21.74% (+0.05)
Jan 31, 2024	2024 (Q1)	0.28 / 0.36	0.28	28.57% (+0.08)
Nov 15, 2023	2023 (Q4)	0.17 / 0.23	0.15	53.33% (+0.08)
Aug 02, 2023	2023 (Q3)	0.15 / 0.20	0.16	25.00% (+0.04)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

EZPW Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$13.32	$14.32	+7.51%
Apr 28, 2025	$16.30	$15.93	-2.27%
Feb 05, 2025	$12.24	$12.36	+0.98%
Nov 13, 2024	$11.85	$12.02	+1.43%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does EZCORP Inc (EZPW) report earnings?

EZCORP Inc (EZPW) is schdueled to report earning on Nov 12, 2025, After Close (Confirmed).

What is EZCORP Inc (EZPW) earnings time?

EZCORP Inc (EZPW) earnings time is at Nov 12, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is EZPW EPS forecast?

EZPW EPS forecast for the fiscal quarter 2025 (Q4) is 0.29.

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