The earnings call reflects a strong positive sentiment, with significant growth in revenue, EBITDA, and expansion of store footprint. However, challenges such as a decline in cash position and inventory management were noted. The overall outlook remains optimistic with a robust acquisition pipeline and strong performance across key regions.

Company Guidance

During EZCORP's Third Quarter Fiscal 2025 Earnings Call, the company highlighted strong financial performance and growth metrics. They reported a record third-quarter revenue of $319.9 million, marking a 14% year-over-year increase. Pawn loans outstanding (PLO) reached an all-time high of $293.2 million, up 12% year-over-year. The adjusted EBITDA grew by 42% to $45.2 million, with the EBITDA margin expanding by 280 basis points to 14.1%. Diluted EPS rose by 38% to $0.33. The company operates 1,336 pawn stores across the United States and Latin America, with 604 located in Mexico. They also added 40 stores in Mexico and 3 in the U.S. during the quarter. Cash reserves ended at $472.1 million, reflecting capital deployment for acquisitions and growth in earning assets. Additionally, EZCORP has been focusing on digital engagement and customer experience, with the EZ+ Rewards program now reaching 6.5 million members globally.

Record Third Quarter Revenue

EZCORP reported a record third quarter revenue of $319.9 million, a 14% increase year-over-year.

Significant Growth in Adjusted EBITDA

Adjusted EBITDA rose 42% to $45.2 million, reflecting strong operational execution and increased operating leverage.

Expansion of Store Footprint

The company acquired 40 stores in Mexico and opened 10 new stores in Latin America, strengthening its presence in these regions.

Strong Performance in Latin America

Revenue in the Latin American segment increased by 21% to $99.9 million, with continued strength across the region.

Growth in Customer Engagement

The EZ+ Rewards program added 300,000 new members during the third quarter, reaching 6.5 million globally.

Robust Acquisition Pipeline

EZCORP's acquisition pipeline remains robust, with plans to deploy capital opportunistically to scale the platform for shareholders.

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.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing